Best Car Title Loan Alternatives in New York of July 2024

Ray Prince
Last Update: September 25, 2023 Personal Loans by States and Cities

When it comes to predatory lending types, car title loans are at the top of the list. Outrageously high 300% APRs and putting up collateral may place New York’s bad credit borrowers (its target audience) in a precarious position. However, with the average debt cycle time of 200 days and 20% of auto title loan New York borrowers losing their vehicles, it’s a chance no one should take.

Luckily, there are many auto title loan New York alternatives.. These include personal loans with sub 35.99% APRs offering loans up to $100,000.

Keep reading to learn more about car title loan alternatives in New York, including what title loans are, how the auto title loan New York business works and our top picks for other options.

Lender:Loan Amount:APR:Min. Credit Score:Best For:
NextDayPersonalLoan$100 – $40,0005.99% – 35.99%0Bad credit
LifeLoans$100 – $40,000Not Listed0Bad credit
Upgrade$1,000 – $35,0008.49% – 35.99%560No prepayment fees on an unsecured loan
SoFi$5,000 – $100,0005.74% – 20.28%680No-fee unsecured loans
ZippyLoan$100 – $15,00012.00% – 35.99%0Bad or no credit
BadCreditLoans$1500 – $10,0005.99% – 35.99%UndisclosedSmaller loans
First Tech Federal Credit UnionUp to $35,0008.89% – 12.89%UndisclosedFirst Tech Federal Credit Union customers
Bethpage Federal Credit Union Up to $35,0007.49% – 18%UndisclosedBethpage Federal Credit Union customers
Navy Federal Credit Union$250 – $50,0007.49% – 18%UndisclosedNavy Federal Credit Union
Mariner Finance $1,000 –  $25,00018% – 35.99%UndisclosedMariner Finance customers
Credit Union 1Up to $2,000,00 for HELCNo more than 18%UndisclosedCredit Union 1 customers

Our Marketplace