X TítuloWhere title loans end and car credit begins.
Just use X. We help you move from title-loan credit toward better vehicle financing opportunities over time.
Same-day decisions and funding may be available when verification and lender requirements are completed in time.
X Título is a financial technology platform, not a bank or a lender. Financing is provided by a participating lender and is subject to underwriting, verification and disclosures.
X works to connect you with available participating-lender options and a path toward lower-cost financing as your profile improves. In Utah, our initial participating lender is Préstamos Rápidos de Pablo. The initial X Rate product is 99% APR when configured and available.
How It Works
Scan or enter
Scan or enter your title/VIN. If the scan fails you can type the VIN and your application still saves.
Talk and apply
Talk with X or a live specialist and complete the application.
Review the option
Review an available participating-lender option, subject to underwriting and verification.
Get funded and build
Get funded and start building your X Score toward better financing opportunities.
X Título connects you with participating lenders and helps track your progress toward better credit options. X Score is X Título’s internal payment-performance rating — it is not a FICO® Score or a credit-bureau score. Rate improvements are subject to eligibility and lender approval.