--- title: "Car Title Loan Cost Calculator (and APR) | Desert Rock Capital" url: "https://www.desertrockcapital.com/calculators/title-loan" description: "See a title loan's total cost and equivalent APR from the monthly fee and term. Educational; DRC does not offer title loans and never takes your car." --- Cost-of-credit tool # Understand the cost of a car title loan. Title loans are secured by your vehicle and usually charge a monthly finance fee on the amount borrowed. Enter the figures to see the cost and the equivalent annual rate. See if you qualify All calculators **Desert Rock Capital does not offer title loans.** We are a licensed Utah installment lender, with personal loans of $100 to $3,000, no credit check, and fixed biweekly payments. This calculator is provided for general education so you can understand and compare costs honestly. Amount borrowed $ Monthly finance fee rate % Enter the monthly finance fee rate from your quote or loan agreement. Days in the term days Number of months Vehicle value (optional) $ Optional; shows how much of your car's value is at risk. ### Results Fill in the fields to see the result. The math runs instantly in your browser; nothing you type is saved or sent. A general-purpose math tool. It runs standard math on the numbers you enter, including a rate you choose yourself. Nothing is pre-filled. It is not an offer, quote, rate, approval, or estimate of any Desert Rock Capital loan. Desert Rock Capital does not offer title loans, and with a Desert Rock Capital loan your vehicle is never collateral. This is a neutral educational tool. The calculator above is a general math tool and is separate from any Desert Rock Capital loan. Desert Rock Capital lends $100 to $3,000 in Utah with no credit check and fixed biweekly payments; the amount offered, if approved, is shown to you up front, and every payment is in writing before you sign. ## How the math works APR = (monthly rate / days) x 365 x 100 Title loan fees are usually quoted per month. Restating a monthly fee as a yearly rate (APR) annualizes it, so the annual figure is larger than the monthly one. This calculator uses the APR method described by the CFPB. Desert Rock Capital is a licensed Utah consumer lender. Our product is a personal installment loan of $100 to $3,000, with no credit check, no collateral, and fixed biweekly payments, for Utah residents. This calculator shows the cost of a car title loan, which Desert Rock Capital does NOT offer, and a Desert Rock Capital loan is unsecured so your vehicle is never at risk. It is general and educational, not an offer. Other lenders and products calculate costs differently, and your actual terms depend on your own agreement. We use the standard formula cited below so the math is transparent and not our invention. Source: [CFPB: single-payment vehicle title lending](https://www.consumerfinance.gov/data-research/research-reports/single-payment-vehicle-title-lending/) ## Questions, answered plainly ### Does Desert Rock Capital offer title loans? ### How is a title loan different from a Desert Rock Capital loan? ### What rate should I enter? Enter the monthly fee rate from your actual quote or loan agreement. Nothing is pre-filled, so the result reflects only the figures you provide. Payday Loan Line of Credit Home Loan / Mortgage What you need to apply Ready for the real number? ## Book a time at a Utah branch. We will walk the real schedule with you, in writing, before you sign anything. Booking a time is not a loan decision. No credit check, and a clear decision usually in about 30 minutes. Step 1 of 3 Branch & details ## Which branch, and who's coming in? Pick the location that works for you. Booking a time is not a loan decision. Choose a branch First name * Last name * Email * Phone * I accept the Terms of Service and Privacy Policy * By checking this box, I acknowledge that I have reviewed and agree to be bound by Desert Rock Capital's Terms of Service and Privacy Policy . This includes: - The Mandatory Arbitration Agreement, which requires disputes to be resolved through individual arbitration rather than court or class action - The terms governing contact, communications, and use of my information - All other terms and conditions applicable to my inquiry and any future loan relationship I understand I may opt out of the Arbitration Agreement within 30 days by sending written notice to help@desertrockcapital.com . I consent to receive calls, texts, and emails * I authorize Desert Rock Capital to contact me at the phone number(s) and email address I provide for marketing, informational, and service-related purposes. This consent is not required as a condition of purchasing any goods or services from Desert Rock Capital. This contact may include: - Voice calls, including calls placed using automatic telephone dialing systems (ATDS), artificial intelligence (AI), predictive dialers, or prerecorded/artificial voice messages - Text messages (SMS/MMS) sent via automated systems - Emails related to my inquiry and loan products I understand: - Contact frequency varies; I may receive an average of 5 to 10 text messages per week and multiple voice calls per week - Standard message and data rates charged by my wireless carrier may apply - I can revoke this consent at any time by replying "STOP" to text messages or calling [801-377-3333](tel:+18013773333) - I may be contacted even if my phone number is on a state or federal Do Not Call registry - My wireless carrier is not liable for delayed or undelivered messages By providing my contact information and checking this box, I am providing my express written consent to be contacted as described above. Prefer to talk first? Call 801-377-3333 ## The math is free. So is a straightforward decision. Apply online or visit a branch in Salt Lake City, Orem, or St. George. No credit check, not based on your credit score, and you get a clear decision in about 30 minutes. Start your application