Title Pawn Software
Your single-source solution for title pawn operations
Manage title pawn accounts, contracts, payments, customer records, and reporting in one browser-based system built for day-to-day operations.
Starting at $129/month · no long-term commitment.
See Title Pawn in action
Tell us about your business and we'll walk you through it.
Simple, easy-to-use features
Everything your title pawn business needs
Reduce manual processes and duplicate entry with tools for contracts, account management, payments, and reporting in one browser-based program.
Browser-based & multi-location
A responsive platform that puts the details of your title pawn operation at your fingertips on phones, tablets, and desktop computers using supported modern browsers.
Built-in pawn contracts
Produce and manage pawn contracts while keeping customer, transaction, and account history together in one place.
Interest calculator
Calculate interest, final balances, and payment schedules from the account terms and save quotes until customers are ready.
Detailed reporting
Use reports to track activity and make informed decisions across your title pawn operation.
Who it's for
Built for dealers managing title pawn operations
Buy here pay here dealers
Dealers already managing customer accounts and payments can add title pawn operations using familiar account-management workflows.
Dealers adding title pawn services
Manage title pawn accounts alongside your dealership operations with tools for payments, balances, customer records, and reporting.
New title pawn operators
Starting a title pawn operation? Use one system to manage contracts, account terms, payments, customer records, and reporting.
How the workflow works
Manage each title pawn from setup through payment
Keep the customer, vehicle, title, account terms, payment activity, and account history together as you manage each title pawn through its lifecycle.
1. Set up the title pawn
Record the vehicle, title, customer details, amount advanced, and account terms in one place.
2. Manage payments
Track scheduled payments, balances, customer activity, and account status throughout the life of the title pawn.
3. Monitor the account
Keep payment history, notes, title information, and reporting together so your team can manage active accounts consistently.
Title pawn workflow
Manage the full process in one place
Wayne Reaves Title Pawn software gives you tools to manage contracts, payments, customer records, reporting, and day-to-day title pawn operations in one system.
- Manage active title pawn accounts and payments
- Track vehicles, titles, balances, and customer activity
- Keep contracts, notes, and account history together
- Support consistent payment and collection workflows
- Use built-in contract and reporting tools
- Affordable monthly software pricing with no long-term commitment
Third-party funding
Ask about available funding options
Some qualified dealers may have access to funding through an independent third-party provider. Availability, eligibility, approval, terms, and geographic restrictions are determined by the funding provider.
- Funding may be available for qualified dealers
- Eligibility and terms are determined by the funding provider
- Availability may vary by state and business profile
- Wayne Reaves software can be used to manage funded title pawn accounts
How it works
- 1
Tell us about your dealership and your interest in adding title pawn services.
- 2
If a third-party funding option is available, you can discuss eligibility, terms, and requirements directly with the provider.
- 3
If approved, dealers can use third-party funding to support their title pawn operation and manage those accounts with Wayne Reaves software.
Funding, if available, is provided by an independent third party and is subject to that provider's approval, eligibility criteria, terms, and geographic availability. Wayne Reaves Software does not make funding decisions.
Trusted by dealers
What customers say about Wayne Reaves
"Wayne Reaves has made my day MUCH easier! Thank you guys for making compliance a little less of a headache."
"There is no other DMS that is this user friendly, with excellent customer service representatives. For the cost, there is no comparison."
Questions & answers
Common questions about title pawn
What is a title pawn?
A title pawn is a transaction in which a customer receives funds based on the equity in a vehicle they own and provides the vehicle title as collateral while continuing to use the vehicle. Terms, fees, payment requirements, and other rules vary by state.
Is title pawn legal in my state?
Legality and requirements vary by state. Different states use the terms title pawn, title loan, or title pledge, and not every state permits these transactions. Where allowed, maximum interest rates, fees, licensing requirements, disclosures, and contract terms can differ significantly. Verify your state's rules and consult a qualified attorney before originating title pawn, title loan, or title pledge agreements.
Do I need a lot of capital to start?
Through our relationship with an investor group, qualified dealers already established in Buy Here Pay Here may be able to receive backing to launch or grow a book of business without using all of their own reserves. Funding is subject to the investor group's approval and terms.
How much does the software cost?
Wayne Reaves Title Pawn software starts at $129/month with no long-term commitment. Reach out for a demo and we'll walk you through what a plan looks like for your business.
Can it handle contracts and compliance paperwork?
Yes. The software produces pawn contracts and keeps customer, pawn, and payment history together with reporting. Your dealership remains responsible for following all applicable federal, state, and local laws.
Ready to learn more
See how Title Pawn software fits your business
Talk to our team about your title pawn operation and see how Wayne Reaves can support your day-to-day account management.
Disclaimer: Title Pawn, Title Loans, and Title Pledge are heavily regulated, and rules vary by state. Not all states permit these transactions. Where allowed, maximum interest rates, fees, licensing requirements, and contract terms can differ significantly. Wayne Reaves Software provides software tools only and does not provide legal, financial, tax, or compliance advice. Your dealership is responsible for confirming and complying with all applicable federal, state, and local laws. Consult a qualified attorney before originating title pawn, title loan, or title pledge agreements.