Can You Get a Title Loan with Just the Bill of Sale?

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

Are you considering a car title loan for some emergency cash? A car title loan could be a quick and easy way to get cash. If you only recently purchased your car, then you may be wondering if you can get a title loan with just the bill of sale!

Since a title is meant to prove that you own a car, you might think there isn’t much to differentiate it from a bill of sale. Max Cash® Title Loans can help you distinguish the two and help you figure out exactly what you need to do to qualify for a car title loan.

Is It Possible to Get a Title Loan with a Bill of Sale?

Unfortunately, you can’t obtain a car title loan with just the bill of sale. You need to have a title of ownership in your name to qualify. Having the title to the car that you want to get a title loan on is necessary for you to be approved because of the very nature of how title loans work.

Thankfully, it is possible to use your bill of sale to get an official title for a loan so that you can qualify for a car title loan with the help of Max Cash Title Loans. But first, let us give you a run-down of how car title loans work why exactly just the bill of sale won’t cut it.

How Car Title Loans Work

Your car’s title is absolutely necessary to get a title loan. Car title loans are a kind of secured installment loan that uses the equity value in your car as collateral. In order to use the value as collateral, the lender needs to place a lien on the title of ownership to the vehicle. When an installment loan is secured in this way, it allows more people to qualify. Candidates may even qualify with a poor credit history!1

Here is how the basics of how car title loans work and why the title of ownership is central to the process:

Loan Approval

If you qualify for a car title loan, then after you sign your contract, you will be asked to hand over the title to your car. This is so that the lender can place a lien on it. You will be able to get your funding directly after. You can drive your car during the repayment process if you continue to make your payments on time.

The lender, who is now the lienholder, will continue to hold on to the title. 

Pay Off the Loan

The contract will have stipulated the terms according to which you will make monthly payments throughout the duration of the loan.

Title Returned

Once you have repaid the loan fully, the lienholder will remove the lien that was placed on your car’s title. Then it is returned to you free and clear!

What Is a Bill of Sale? 

A bill of sale is an official deed of transfer record that releases the right of ownership of a car to a different person for monetary payment.

The basic elements that should always be included in a bill of sale include:

  • The buyer and seller’s full names
  • Payment amount for the ownership transfer
  • Date of purchase
  • Description of the vehicle transferred
  • Disclaimer that the property was in good condition when sold
  • A warranty
  • Signatures of the seller, buyer, and a witness

How to Get a Title with a Bill of Sale

If all you have is a bill of sale, but you want to obtain a car title loan, all you need to do is use that bill of sale to get a bonded title for your car. Here is how you can do so:

  1. Go to Your Local DMV

Head to the DMV with your bill of sale and some official identification. The DMV agents will let you know exactly how much the vehicle surety bond will cost that you will need to buy from an approved insurance provider.

  1. Get a Surety Bond

Purchase the necessary surety bond from the approved insurance provider to ensure that your vehicle is clear of any problems so that you can be listed as the new owner.

  1. Secure Your Bonded Title

After purchasing the surety bond, you will have a specified window of time in which you can apply for a bonded title. The secretary of state will review your surety bond and grant you a title that lists you as an owner.

  1. Register Your Car

Once you have the bonded title, you will be able to register your car in the state you live in, buy insurance, etc.

Easy 3-Step Process for Car Title Loan Pre-Approval

Once you have your title of ownership, you are ready to see if you qualify for a car title loan! The process for a car title loan is so quick and easy, you could do it in one afternoon. Just follow this simple three-step process to get started:

First Step: Give us some basic information about yourself! Fill in our online form by providing us with your name, your address, and your current income. Additionally, provide the make, model, year, mileage, and condition of your car.

Second Step: After submitting the online form, you will be asked to provide some documents. These documents include a government-issued ID, your car’s title, and proof of residence. You will also need paperwork that provides proof of income and a few pictures of your car. In some cases, a few references are also required.

Third Step: Not long after sending in your documents, you should find out if you are approved or not. You can also find out how much you qualify for. After reviewing your contract, you may be able to pick up your money as quickly. It could be as soon as the very next business day!