California-based lending platform

Borrow with your car's title.
Lend for real returns.

LendVault connects borrowers who have assets but hit a credit wall with investors who want better returns than the market offers. No credit score required. Your vehicle is the collateral.

$52B US P2P lending market in 2026
24.5% Projected market CAGR through 2035
6–15% Estimated lender annual returns

How it works

Three sides to the equation

Borrowers

Submit your vehicle title and a valid driver's license. No credit check. Your car stays with you while you repay. Interest rates set by the market, not a bank.

Lenders

Browse loan listings backed by vehicle collateral. Set your own minimum rate. Diversify across multiple loans. Earn 6–15% annually on your capital.

LendVault

We verify identities, hold the lien on the title, process payments, and handle collections if needed. You get a monthly subscription. Lenders get a secure platform.

Security first

Your asset stays protected.
Your data stays private.

Every borrower submits a valid California driver's license or state ID, verified through encrypted identity checks. The vehicle title is held as lien by LendVault until the loan is repaid in full. If a borrower defaults, the lien gives the lender a clear legal path to the collateral.

Driver's license + ID verification
Vehicle title held as lien
Encrypted data & secure payments
No credit score required to borrow
Collateral ratio
150%
Average loan is 150% covered by vehicle value
Verification
ID + Title
Both required before any loan goes live

The gap in the market

Better than a title loan.
More fair than a bank.

Car Title Loan
Bank Loan
LendVault
Credit check required
No
Yes
No
Collateral backed
Usually no
Vehicle stays with you
Yes
Yes
Yes
Interest rate cap
None (often 20–30%/mo)
Regulated
Market-driven, transparent
Subscription fee (platform)
Hidden in rate
N/A
Flat monthly, disclosed
Lender gets diversification
No
N/A

Why it works

The credit system failed millions of people.
Collateral didn't.

Your car has value. Your income has stability. Neither of those shows up on a FICO score, so the system tells you no. LendVault changes that. Borrowers prove their intention through assets, not a number. Lenders earn real returns on real security.

Built for people who got passed over.