Borrowers typically get the money they need within 24 hours. The time it takes to get a title loan varies depending on several factors. These include the lender, the borrower’s creditworthiness, and the type of vehicle. The first step in getting a title loan is to fill out an application with the lender. It involves providing personal and financial information and details about the vehicle. The lender reviews the application and determines if the borrower is eligible for the loan. Once approved, the lender provides a loan agreement.