XTítulo

How It Works

Scan your title. We verify your vehicle and current loan information, then help connect you with an available participating-lender option. Utah launch only for now.

  1. Step 1

    Scan Your Title

    Take or upload a photo of your title. We pull the VIN, title and lien information where readable, and you confirm or correct it.

  2. Step 2

    Verify Your Option

    We verify the vehicle, Utah eligibility, wholesale/auction valuation, your current payoff if you already have a title loan, and the essential application details.

  3. Step 3

    Review Available Financing

    A participating lender reviews your file. If an actual offer exists, you see the lender, amount, APR and the applicable payment, term and total-cost disclosures.

  4. Step 4

    Get Funded / Build Forward

    If approved, you get clear store instructions and next steps. After funding, X Título tracks your payment progress and XCredit and can help route eligible customers toward lower-cost financing later.

What X Título Offers

Title scan & VIN verification

Photo or PDF of your title, read automatically where possible and always confirmed by you.

Current title-loan payoff workflow

We collect your current lender and payoff details and verify them before anything moves forward.

Participating-lender matching

Your verified file is presented to participating Utah lenders. Approval is never guaranteed.

Utah in-store funding

Approved customers receive instructions for funding at a configured participating location.

XCredit payment tracking

An internal X Título payment-performance rating. It is not a FICO® Score or a credit-bureau score.

Rate-review pathway

As payment history builds, eligible customers can be reviewed for lower-cost financing options.

Live staff & AI support

X Concierge answers questions 24/7 and hands off to a specialist when one is actually available.

Secure documents & status

Upload documents securely and see exactly where your file stands at any time.

Rates, value and transparency

  • Your actual APR comes from the participating lender's offer, not from X Título. The initial Utah partner program does not accept marketplace offers above the configured 99% APR ceiling.
  • The 70% LTV limit uses a verified wholesale/auction underwriting value — never a retail asking price.
  • If verified wholesale data is unavailable, the status shows Valuation Required. We do not show a guessed value.
Read disclosures