How To Get A Title Loan in 4 Easy Steps

In order to receive a Title Loan, you need to choose a lender, fill out a form, wait for funding and receive money.


  • Apply completely Online
  • Get cash same day
  • Keep driving your vehicle
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Title Loan Is What You Need!

If you find yourself in a difficult life situation, you are probably looking for funding to cope with it. This can be anything from medical treatment to an unexpected bill or rent. It can of course be difficult to find suitable financing quickly, especially if you have poor or poor credit history, however there are a large number of options now. The first thing that comes to mind is a loan, however banks and credit unions do not work with bad credit borrowers. Is there a chance to get funding in a difficult life situation? Certainly.

If you fully own the title of the vehicle in your name, you can apply and receive a Title Loan. This loan allows borrowers with any type of credit to get money for their needs. Most often, a credit check is not required so you can get financing as quickly as possible.

Title Loans Main Information

A Title Loan is a simple secured type of financing designed to enable borrowers with any type of credit to apply for and receive financing. Most often, Title Loans are paid on the day of your next paycheck, however now there are lenders who also provide Installment Title Loans.

Since this loan is secured, the car is collateral for the loan. Thus, you must transfer the title to the creditor until the debt with interest is fully paid off.

With a Title Loan you can get from 25% to 50% of the cost of the car. Average loans range from $ 100 to $ 5000. People prefer to apply for a Title Loan because it is an easy and safe way to get funding in an emergency.

Reasons To Apply For A Title Loan Online

Of course, every person has his own reasons why he is applying for funding. However, it is important to understand that a Title Loan is a rather risky type of financing, therefore it is worth applying only in a difficult life situation.

If you have time, explore alternative options such as asking for an advance at work, reaching out to friends and family, finding a part-time job, and more. However, if you find yourself in an emergency and no one can help you, then a Title Loan is a great option for you.

4 Easy Steps To Get A Title Loan

Now getting a loan has become as easy as possible. Many lenders offer both online and offline applications, so you can choose the one that suits you best. Learn a few simple steps how you can get a Title Loan as quickly as possible:

  1. Choose a lender. There are now a huge number of lenders on the internet that offer Title Loans. You need to compare different loan offers and choose the most profitable one for you. It is important to pay attention not only to interest rates, but also additional commissions and payments.
  2. Submit your application. You need to visit the site of the selected lender and fill out a simple and convenient online form, which will not take you more than 10 minutes. You need to provide some information about yourself and your vehicle. After making sure that the data is entered correctly, send a request.
  3. Wait for approval. Title lenders approve applications quickly enough, so most likely you will receive a response on the same day you filled out the form. The lender will contact you to discuss loan terms and its repayment.
  4. Get paid. After you carefully review the contract and sign it, you can receive funding. As a rule, the deposit will be available in your bank account within one business day.

Title Loan Requirements

Since each lender has different eligibility criteria, you should review them in advance to ensure that you are eligible to apply. Of course, they can vary depending on the lender and state laws, but the main ones remain the same:

  • Be a US citizen or official resident
  • Be at least 18 years of age or older
  • Have a regular monthly source of income
  • Have an active bank account for the deposit
  • Provide social security number
  • Provide government issued ID
  • Provide contact details such as phone and e-mail

Bad Credit Title Loans

More often than not, borrowers with bad or poor credit feel that they are not eligible for financing, but this is not true. Even if you have had problems repaying loans in the past, you can still apply and receive a Title Loan. Since this loan is secured by collateral, the lender has a kind of guarantee that it will be repaid on time, therefore, they often do not ask for a credit check at all. However, you still need to meet basic eligibility criteria, the most important of which is income.

Title Loans FAQ

How Much Can I Get With A Title Loan?

The amount of the loan you will receive will vary depending on the lender and state laws, however, you will usually be able to receive between 25% and 50% of the value of the car.

Is It Possible To Get A Title Loan Without Title?

Unfortunately no. Car title is a collateral for the loan, so you must be the sole owner of the car title in your name to be eligible to apply and receive funding.

Is It Risky To Apply For A Title Loan?

Yes, this type of financing is quite risky. If you are unable to pay the debt with interest on time, you will be faced with additional interest and payments. Moreover, the lender will be able to pick up your car in order to consolidate the loan debt. Therefore, it is not advisable to apply if you can explore alternative options. However, if you find yourself in an emergency, then Title Loan is your best choice.

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