borrow cash today

If you own a Car, Truck, Boat, RV, Motorcycle, ATV...you can get cash today.

  • No Credit Check
  • No Job Requirements
  • 30 or 60 day repayment terms
  • No Prepayment Penalties
  • Strictly Confidential
  • Get Money Within the Hour!
  • Loans on older cars
What are you waiting for?

Your vehicle is your credit. 

Take advantage of our title loans which offer funding in as little as one hour, with- out the hassle of a credit check.

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Title loan qualifications
  • 1    You must be nineteen years of age or older
  • 2    You must have a vehicle (car, truck, van, s.u.v.) that is no more than ten (10) years old (Some exceptions apply -- Call us to find out if your car qualifies)
  • 3    You must have clear title to your vehicle
  • 4    You must have both collision and comprehensive insurance on your vehicle
  • 5    You must have the vehicle both registered and insured in your name
  • 6    A valid driver's license
  • 7    A proof of residency: any piece of computer-generated mail that has been sent to you at your address
  • 8    Your vehicle's registration and insurance
  • 9    A second set of keys to your vehicle


For loans on older cars, motorcycles, boats, atv's or if you don't have adequate insurance, You Need:
  • 1    To be nineteen years of age or older
  • 2    Have clear title to your vehicle
  • 3    Have the vehicle registered and in your name
  • 4    A valid driver's license
  • 5    Your vehicle's registration
  • 6    Keys to your vehicle

Leave your vehicle in our secured sales lot and leave with cash in under an hour!


Disclosure

Can I renew my loan?
Maybe. On the day we issue you the loan, we will provide you with a payment schedule. As long as you make the minimum payment on the due date, we may extend your current loan or write up a new one. We do NOT charge any fees (other than interest) for extending or renewing your loan but we reserve the right to refuse to extend or renew the loan at our discretion for any reason. Our loans do not automatically renew.

Implications of non-payment or late payment.
We understand that people's circumstances can change. If this is the case, you must let us know as soon as possible and we will do our best to help. Please be aware that unless payment is received, we will consider all options permitted by applicable law to pursue collection of the debt, including the right to repossess your vehicle and sell it to repay your debt. If you are having problems making a payment, contact us and we can discuss your options.

The two most important things are:
- Don't borrow more than you need
- Don't borrow more than you can pay back on time

If you do not repay your entire loan on or before the loan due date, you will be in default and risk having your vehicle repossessed. In the event that you do not repay your loan, you will not be permitted to borrow from us again until you repay your outstanding loan.

Although we do not presently report loan non-repayment to credit reporting agencies, we reserve the right to do so. Loan non-repayment by you, if reported to a credit reporting agency, could have a negative impact on your credit score.

The collections process

If you are having problems making a payment, please contact us so that we can discuss your options. Two days before your payment due date you will receive an reminder email or phone call from us. If you do not make your payment on the due date, you will be in default. If you default on your loan without contacting us, we will pass your details to a vehicle recover company who will repossess your vehicle.

Policy on responsible lending

Top Dog Title Loans complies with all provincial and federal regulations including the Criminal Code of Canada, s. 347 and the British Columbia Personal Property Security Act, [RSBC 1996] Chapter 359.