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Pros and Cons of Car Title LoansApply for fast and easy title loans in Minnesota, regardless of your credit score. Direct lenders only. An auto title loan is a short-term cash loan, in which the consumer's title to the vehicle (car, truck, motorcycle) serves as collateral. EZ Title Loans offers quick cash in Minnesota cities like Minneapolis, St. Paul, & Rochester. Get easy auto title loans, even with bad credit. Apply now!