Unlock Your Vehicle Equity
in Minutes
Simply scan your vehicle title and Xtitulo AI will instantly extract your information and estimate your available credit line.
No long applications. AI-powered title scanning. Fast pre-qualification. Funding completed in-store at Préstamos Rápidos de Pablo in Salt Lake City and West Valley, Utah.
A Smarter Way to Borrow
Xtitulo offers a title-secured revolving line of credit worth up to 60% of your vehicle's estimated auction or wholesale value. Starting APRs go as high as 99% and can fall as low as 44% as you build a positive payment history. Final approval and funding are completed in-store at one of our Utah locations.
How It Works
Snap a photo of your title — Xtitulo AI reads it instantly.
AI estimates your vehicle value and credit line in seconds.
Bring your vehicle, title, and ID to finalize funding.
Walk out with cash and access to your line of credit.
Rates & Terms
Transparent pricing. No hidden fees. Rewards for on-time payment.
Starting APRs as high as 99%. Earn rate reductions with strong payment history.
Credit line based on 60% of your vehicle's estimated auction or wholesale value.
A revolving line of credit backed by your vehicle title. Draw, repay, repeat.
Pre-qualify online. Final approval and funding happen in person at our Utah locations.
*Annual Percentage Rate. All offers subject to final approval and verification. Rates and terms vary based on vehicle valuation, income review, customer history, and applicable lending requirements.
Why Utah Customers Trust Xtítulo
Modern fintech tools backed by real neighborhood lending offices in Utah.
AI-Powered Underwriting
Instant pre-qualification with smart risk scoring based on your vehicle's real auction value.
Local Bilingual Support
Friendly English and Español support from staff who live and work in your community.
Real In-Store Funding
Final approval and funds handed to you in person at our Préstamos Rápidos de Pablo locations.
Fast Approvals
Get pre-qualified online in minutes, then walk into a store the same day to finalize.
Flexible Credit Lines
Borrow up to 60% of your vehicle's auction value with revolving access to your equity.
Established Local Business
Proudly serving Utah families through trusted, 5-star-rated storefronts in Salt Lake County.
See Your Credit Potential
- Vehicle Auction Value
- $20,000
- Max Credit Line (60% LTV)
- $12,000
- Starting APR Example
- 99%
- Lower APR Potential
- down to 44%
*Example only. Actual offer subject to final approval and verification.
Payment History Progress
On-time payments can lead to higher credit lines and lower rates over time.
Funded In-Store at Préstamos Rápidos de Pablo
Apply online with Xtítulo and complete your funding at one of our trusted Préstamos Rápidos de Pablo locations.
Disclaimer: Pre-qualification is not a final approval. Final loan terms depend on vehicle inspection, title verification, income review, customer history, and applicable lending requirements. Xtitulo operates in partnership with Préstamos Rápidos de Pablo in Salt Lake City and West Valley, Utah.