Can Someone Else Make Payments on my Title Loan for Me if I am Unable?

Let's get started

Get your cash today by filling out this form or for instant pre-approval call (855) 561-56262

  • 1
    Car Information
  • 2
    Your Information
  • 3
    Free Estimate
By tapping or clicking “Get Your Estimate”, you acknowledge and agree to the Terms of Use, FCRA Policy, Electronic Consent and Privacy Policy. You acknowledge and agree that you are providing express written consent for Tradition Media Group LLC to share information you've provided, and for TMG and/or up to six partners to contact you with marketing and other messages via email and/or at the phone number provided via automatic dialing systems, recurring autodialed and prerecorded calls, or SMS/MMS messages (charges may apply), even if my telephone number is listed on a Federal, State, or other jurisdiction Do-Not-Call list. You acknowledge that consent to these communications is not a condition to utilizing these services.

Thank you!

Your application has been submitted.

For faster service call us now!


Next steps

Confirm there are no errors on your credit reports! Your credit score is not a factor but your information must be accurate.

Application Submitted

join our contest win big

Click here for a chance to win

Thanks for Applying

Congrats! We received your application. You might need car insurance for your loan. Click here to compare rates.

Click to Find Insurance

* Clicking the button will direct you to our partner for Car Insurance.

Application Submitted

While we process your info we recommend also applying for a personal loan or credit card to get more money!

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We don't offer title loans in your state might be able to help with a personal loan or credit card.

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We got your application. If you need immediate cash try a personal loan or credit card offer and we will call you 1st thing in the morning.

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We have found a great match for Car Financing!

Get My Financing

* Clicking the button will direct you to our partner for Car Financing.

Thanks For Applying!

We have found a great re-financing match with CarZing!

Get My Financing

* Clicking the button will direct you to our partner for Car Refinancing.


Want to know how much your payments will be? Use our title loan calculator to find out.

Max Cash Calculator
Big Phone Icon - Transparent and Black

Instant Pre-Approvals

Call us anytime seven days a week for instant pre-approvals! 2

(855) 561-5626

If applying for a car title loan is on your radar, you might be wondering- “Can someone else can make payments on my title loan for me?” Car title loans are kind of like beds, they are comfy and easy to get into, but there comes a time when you need to get up and start moving.

Auto title loans can be expensive when not managed properly. That can lead to a person becoming unable to make their monthly payments. If you do not have sufficient funds to cover the monthly payment, you can ask someone else to continue making payments on your behalf. With some loan options, you may be able to have a co-signer, and that individual can continue making the monthly payments until you are able. If you don’t have a cosigner, you are encouraged to ask your spouse, a close friend, or a family member to continue making payments on your behalf.

What Are My Options If I Can’t Make Payments on My Title Loan?

If you find yourself in financial hardship and believe you are unable to keep up with your loan payment, there are a couple of things that you can do. Start by talking to your lender and look at the possibility of adding a co-signer to your loan. Or, you can consider:

  • Refinancing,
  • Negotiating,
  • Or a second job/income. 

Add a Co-Signer To Your Loan 

A co-signer is a person whose name is also on the auto title loan contract. They are just as responsible as the borrower for paying back the loan in a timely manner. In the event that you do not make a monthly payment, the co-signer will be held responsible for paying back the loan. Anyone that meets the eligibility requirements to get a loan can apply to be a co-signer. Be cautious about the impact this can have on your relationship with the cosigner, however.

People will often take finances and credit ratings seriously. Adding a second person to the car title loan can change your qualification factors for a new loan in the future. Always review the other person’s financial strength carefully before making a move. Ideally, adding or removing someone from the title should improve the strength of your loan request overall, but this is not always the case. It is important to make sure they understand what a cosigner is and everything it entails. It is equally important to make sure they are willing and able to take on the risk of paying off the loan in the event you are unable to.

Can I Refinance if I Can’t Make Payments on My Title Loan?

Many people choose to refinance an existing title loan to get better terms, a better payment plan, lower monthly payments, and lower interest rates with their new loan. This can be a great option to consider if you are having trouble paying back your loan. Title loan refinance will entail finding a new lender that you want to work with, getting approved for the new loan, and then using it to pay off your existing loan.

Make sure to look for a lender that cares about you and your loan. At Max Cash® Title Loans, we make it easy to connect with flexible and affordable lenders all across the nation. Whenever you are ready to apply for a car title loan, start with the #1 nationwide online title loan marketplace. To start, simply head to our website or give us a call today at 855-561-5626!

Negotiate and Know Your Options

The fact that you signed a loan contract does not mean that you are stuck with the same title loan company forever. Negotiating the terms of a contract is common when it comes to your finances. Your existing lender might be willing to work with you, so it’s worth trying to negotiate. It’s important to make it known to the lender what amount you can pay, and for what timeframe. Negotiation doesn’t always work, but they may accept your offer. Again, this doesn’t always happen, but it’s worth a shot. 

Consider a Second Job and Extra Income

There are a lot of individuals that have a side gig or second job to meet the cost of living in their state. Look for something that works for your schedule, is flexible, and makes you some extra cash to pay off your debt. If you take that paycheck and put it all towards your balance, that will more than likely help you get the loan paid off quicker.

There are plenty of side jobs one could do to make some extra money in a crunch. You could work as a server, drive for a third-party car service, pick up groceries and deliver, or even sell stuff online. Use your imagination and pick something that you like, so that it is easy to accomplish. It can be short-term or long-term, but you will have to decide when the time comes to let it go. For all you know, you may love having some extra cash and decide to keep the second source of income. 

How Can I Ask For Help if I Can’t Make Payments on My Car Title Loan?

The refinance process for a loan is simple. Essentially, you will take out a new loan in order to pay off an existing loan. The goal of this process is for borrowers to get better repayment terms and interest rates. If you are struggling to repay an existing loan, this may be the best option for you. Max Cash Title Loans can be the best place to start!

Here are a few benefits that could come with working with our team and our network of third party title lenders: 

  • Lower Interest Rates4
  • Affordable Monthly Payments4
  • No Hidden Fees or Finance Charges
  • Flexible Loan Terms4
  • Fast Application Process

Apply with Max Cash Title Loans to Refinance today!

Max Cash Title Loans has years of experience in the title loan industry and helped thousands of people find better loan terms than they have with their current lender. To get started, simply head to our website, and apply for an online car title loan. Once approved for a title loan, the funds can be made available in as little as 24 hours. 1,2