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Car title loans are a way to borrow money using your paid-off or mostly paid-off vehicle as collateral. You hand over the title to a lender, and in exchange, you get cash—often within a day or so. The loan amount is based on your car's value, not your credit score, which makes them available to people with bad credit or no bank account. The catch is you have to repay quickly, usually in 30 days, and the interest rates can be sky-high, trapping some borrowers in a cycle of debt. If you fail to p…