Everything You Need to Know about Car Title Loans. You can give any vehicle title – cars, motorcycles, or trucks – and use it as a bond for your loan. Also, the vehicle that serves as collateral will determine the amount of loan the lender can give you. You are given an amount of money that you should pay within the agreed period time. Usually, you must repay the loan within 30 days or so. They also require you to pay a lender fee for the service they offer for borrowing the money.