American Title Loans franchise: cost, fees & unit track record
Opening an American Title Loans franchise takes $253,294 – $434,459 all-in, per its franchise disclosure filings (data as of 2026-05). The initial franchise fee is $45,000. Ongoing, franchisees pay a royalty of 5% on sales plus an ad-fund contribution of up to 2%. To qualify, American Title Loans asks for $300,000 in liquid cash and a $500,000 net worth. Anything the filings do not state is marked "Not disclosed" below — never estimated.
American Title Loans franchise costs and fees
| Verification mark | Cost item | Low | High | Range |
|---|---|---|---|---|
| Initial franchise feeOne-time, paid to the franchisor at signing | $45,000 | $45,000 | $45,000 | |
| Initial investment (all-in)FDD Item 7-derived range: build-out, equipment, opening costs | $253,294 | $434,459 | $253,294 to $434,459 | |
| Net worth requiredFranchisor's stated qualification minimum | $500,000 | $500,000 | $500,000 | |
| Liquid cash requiredFranchisor's stated qualification minimum | $300,000 | $300,000 | $300,000 | |
| Cash to open (all-in range) | $253,294 | $434,459 | $253,294 to $434,459 |
| RoyaltyOngoing, % of sales | 5% |
|---|---|
| Ad fundOngoing, % of sales | Up to 2% |
| Initial termLength of the first franchise agreement | 5 years |
See the full American Title Loans cost breakdown — what's in that number and what isn't
How American Title Loans's cost compares
A dollar figure means more with a yardstick. Here is where American Title Loans's disclosed cost sits against the Professional Services category:
- Minimum startup cost of $253,294 — about 3× the Professional Services median of $84,700.
- Initial franchise fee of $45,000 — about in line with the Professional Services median of $39,700.
Category medians are computed from the Professional Services brands in our data that disclosed each figure — a benchmark for scale, not a quality judgment. See all Professional Services franchises
Free info kit — costs, fees, and unit track record. You choose who may follow up.
Figures look outdated? Report outdated info.
How American Title Loans's units have held up
Openings and closures from FDD Item 20-style unit history, 2014–2015: began the window at 0 units; 19 units opened, 1 closed, ending at 18 units.
Not enough history to compute a survival figure — we need at least three years of unit data, and we don't extrapolate.
What about earnings?
We don't publish per-brand earnings figures — for American Title Loans or anyone else. The only primary source is Item 19 of the brand's own franchise disclosure document (FDD), and no law requires a franchisor to publish one, so the "average owner income" numbers circulating elsewhere are usually unsourced or survivorship-biased. Ask American Title Loans for its current FDD and read Item 19 yourself — and if there is no Item 19, that silence is information too.
What this data can't tell you
Everything on this page comes from disclosure filings — fees, ranges, and unit counts. Four questions that matter just as much are not in any filing we can source, so we say so instead of guessing:
- The hours and the labor
- No dataset field says whether American Title Loans is a manage-from-a-laptop business or a 60-hour week in disguise. Item 15 of the FDD states whether you're obligated to run the business personally, and Item 11 lists what the franchisor actually does for you — then ask current owners what their week looks like (validation calls), not the sales team.
- How hands-on the ownership really is
- "Semi-absentee" is a pitch, not a filing field. Treat any hands-off claim as unverified until it's consistent with Item 15 and with what multiple current franchisees tell you — what absentee ownership actually means.
- Your territory — whether it's protected, and whether it's open
- Two territory questions sit outside our data. Whether American Title Loans grants a protected or exclusive area is set in Item 12 of the FDD and varies brand to brand — some grant none, and the carve-outs (online sales, national accounts) matter as much as the map. And filing data can't say what's open in your market this month; only American Title Loans can confirm current availability. Ask both before you inquire, and get the answer in writing.
- What owners earn
- Covered honestly above: our dataset has no earnings fields, the only primary source is the brand's own Item 19, and here is how to read that evidence.
About the American Title Loans franchise
American Title Loans is a professional services franchisor with 18 units at the end of 2015 (FDD Item 20-style unit history). Between 2014 and 2015, it began the window at 0 units; its filings record 19 unit openings and 1 closures, ending at 18 units. Its parent company is ATL Franchises, Inc..
No franchise-related lawsuits reported in the disclosure data we hold (FDD Item 3, as of 2026-05) — an absence in our sources, not a guarantee; confirm against the brand's current FDD.
From the franchisor's materials
At American Title Loans, our mission is to offer highly competitive services while treating each customer with a superior level of respect and understanding. Great customer service isn't our goal, it's our passion. We are passionate about creating a personal connection with each of our customers. We understand and take very seriously the fact that we represent the working families of America; families who periodically experience an unexpected need for short-term funds. Our car title loans kee...
American Title Loans franchise: quick answers
- How much does an American Title Loans franchise cost?
- $253,294 – $434,459 all-in to open, per American Title Loans's franchise disclosure filings (data as of 2026-05).
- How many American Title Loans units are there?
- 18 units at the end of 2015 (FDD Item 20-style unit history).