Use the equity in your vehicle to access cash. Keep driving your car, get a decision quickly, and repay on terms designed to keep you in the driver's seat.
Cash backed by your vehicle, structured to be manageable.
Qualifying applications can be approved and funded the same day at a Retail Center.
Keep your vehicle and continue driving as long as you stay current on the loan.
Structured payments over multiple periods — not one large lump-sum due date.
Rates that beat typical title-loan storefronts. RMO members qualify for the lowest tier.
A responsible alternative to traditional title-loan storefronts.
From application to funding in a single visit when documentation is in order.
Transparent rates, installment payments, and no hidden rollover traps.
Built for RMO members who need cash today and want a respectable lender behind it.
Short-term loan pricing varies significantly by state, loan amount, term, and applicable federal protections. RMO discloses your exact APR, total finance charge, and payment schedule before you sign anything . Factors that determine your cost: State of residence — states have different APR caps, fee schedules, and rollover rules. Loan amount and term — smaller amounts and shorter terms typically have higher APRs. Federal Military Lending Act (MLA) — for active-duty servicemembers and their dependents, MAPR is capped at 36% . Your overall credit profile — affects pricing within state-allowed ranges. How short-term loans compare to alternatives: Short-term / cash advance: Higher APR,…
An RMO Cash Advance is a small, short-term loan designed to cover an unexpected expense before your next paycheck. Cash advances are higher-cost than traditional personal loans and are intended for short-term use only. How an RMO Cash Advance works: Apply online through MyRMO or in branch. Eligibility is reviewed quickly — same-day funding is common. Loan amounts and terms vary by state. Repayment is typically due within 14–30 days. Important cost-of-credit note: APRs on cash advances are significantly higher than traditional credit products. The federal Military Lending Act caps the Military Annual Percentage Rate at 36% for active-duty servicemembers and their dependents . State…
A title loan is a secured loan that uses your vehicle as collateral. The lender holds the vehicle title until the loan is repaid in full. Title loans carry higher APRs than unsecured installment loans and are subject to state regulation. How an RMO Title Loan works: Your vehicle must be owned outright (or close to paid-off) and in your name. The loan amount is a percentage of the vehicle's appraised value. You retain use of the vehicle during the loan term. RMO holds the title until the loan is repaid. If you default, the vehicle can be repossessed. Where RMO offers title loans: Only in states where RMO is licensed. Subject to that state's APR cap, fee schedule, and disclosure…
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