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Title loans apply, car title loans, auto title loans

Car title loans are a great funding option if you are someone looking for a financial boost but are having trouble finding funding elsewhere, or if you just need quick cash for short-term needs. If you are looking for fast and convenient funding, try a car title loan with the help of Max Cash® Title Loans! Max Cash Title Loans is proud to be the #1 Nationwide Title Loan Marketplace. Allow our expert loan agents to help you find a great deal on an online car title loan.2

How do Car Title Loans Work?

Car title loans, also known as auto title loans, are secured loans that place a lien on the borrower’s car title. When you take out a secured loan like this, you get the efficient funding you need, and you will also be able to use your vehicle as you normally would while you pay back the loan. 

title loan on car, car title loan, auto title loan

What are the Interest Rates for a Car Title Loan?

Auto title loans are short-term loans taken out for short-term needs. Because of this, the interest rate percentages you see will vary, but can lean towards the higher end.4 Fortunately, the title loan companies we work with at Max Cash Title Loans offer competitive rates on interest, meaning we can help you find the monthly payments and interest rates that work best with your budget.4 If you want to get an idea of what your monthly payments may look like with a car title loan, you can look at our loan calculator. This tool is extremely useful when budgeting with a car title loan.

What Documents are Required for a Car Title Loan?

When you are ready to inquire about a car title loan, you will need to provide a few documents in order to help finalize loan eligibility for both you and your vehicle. Some requirements may differ depending on the state you live in. Here are the basics of what you may need:

  • Qualifying Vehicle Title with Your Name on it
  • Government Issued Photo ID
  • Social Security Card (a document that displays your name and Social Security number will also work)
  • 3 Personal and/or Professional References (should be of no relation to you)
  • Proof of Income
  • Proof of Residence
  • Current Vehicle Insurance (not required in every state)
  • Photos of your Vehicle (include all 4 sides, odometer, and VIN)

What Should My Credit Score Be for a Car Title Loan?

One of the many benefits to a car title loan is that you use the vehicle as a form of collateral, meaning that your credit score may not impact your eligibility as it may for other loans. Bad credit often prevents people from applying for any type of loan, but with a car title loan found through Max Cash Title Loans, you may still be eligible!2 5 Some lenders may perform a hard credit check in order to verify if you are currently in the bankruptcy process. They may also do this to see if you are in active counseling before beginning the bankruptcy process.

What are the Benefits of Obtaining a Car Title Loan Through Max Cash Title Loans?

Max Cash Title Loans is here to help you with any questions you may have about a car title loan. Talk to us before, during, and after you begin the loan process. We are available to you 7 days a week, and can be reached via phone, email, and even text message! You can find our contact information here. We also have a handy FAQ page that may answer your questions as well. 

Do I Need to Be Employed to Get Approved for a Car Title Loan?

On a basic level, you need to have some source of monthly income. Your title lender will be more concerned that you have the means to pay the car title loan back rather than if you are actively employed. This means you can be self-employed or receive an income from a source that is not an employer.   

What is the Car Title Loan Process Like?

Max Cash Title Loans wants the loan process to be simple, secure, and fast so you can get the quick cash you need as soon as possible. The loan process is meant for you to be able to apply, get approved, and get the amount of money you need in the same day or the next business day.1 5 Some of these steps may vary slightly depending on your state, but this is what you can usually expect from the application process:

Car Title Loan Process

1. Complete an Online Application. This pre-approval loan application consists of a few basic questions about you and your vehicle. Shortly after submitting your online application, a Max Cash Title Loans representative will reach out to you and let you know if you have been pre-approved. If you have been, we will look through our database of title loan companies to find the right title lender for your financial needs. 

2. Get Approved.5 When your title lender has approved you for a car title loan, you will need to agree on loan terms. Your loan terms include the loan amount, loan duration, interest rates, and monthly payments.4 Keep in mind, to avoid repossession of your vehicle, only take out a loan amount that you are confident you can pay back. Once your loan terms have been agreed upon, you will sign a loan agreement with your title lender. 

3. Get your Cash Fast! After you have signed your loan agreement, all you have left to do is get your funds. When it comes time to get your money, your title lender will usually give you a couple of options. You can choose to pick up your cash at your nearest MoneyGram location, or you can have the funds deposited directly into your bank account. There are also typically options of wire transfer, or receving a check in the mail. 

What Happens if I Can’t Make My Car Title Loan Payments?

title loans South Holland IL

The first thing is, don’t panic. It is vitally important that if you cannot make your payment for the month, you contact your title lender as soon as possible, as they may be able to help you. The best thing you can do for this situation is to always stay in open contact with your title lender and be proactive to avoid repossession of your vehicle. Something important to note is that car title loan lenders only repossess vehicles as a last resort. 

How is My Car Valued for a Car Title Loan?

Your lender will use some basic information about your car to help determine the overall equity of your vehicle, which can affect not only your approval but also the loan amount you may receive. They may also use a program such as Black Book, Kelly Blue Book, or software of their own. Here are the basic things lenders usually look at when determining vehicle value:

  • Make
  • Year
  • Model
  • Mileage
  • Trim package and/or extras added since purchase

How Do I Make My Monthly Payments for a Car Title Loan?

Often, title lending companies will have a website with a customer service portal, similar to that of a bank or other financial institutions, that lets you keep track of your loan balance, what you still owe, and make monthly payments. Many lenders also have a mobile app, so you can make your payments straight from your smartphone. Talk to your lender about what may be easiest for you!

Can I Make Payments on my Car Title Loan Early? 

Should you choose, you usually have the option to repay your car title loan back earlier than the agreed-upon loan duration, without the fear of additional fees or penalties.4  Max Cash Title Loans works with lenders that don’t charge early payment fees, because why would we want to punish you for being responsible with your loan?!4 Knowing you have the option to pay the loan back early can help ease your mind. This makes a car title loan a great option for those shopping around for short-term loans. Max Cash Title Loans works with lenders that want to work with you, so you can get the funding you need. 

Will I Be Required to Bring My Car in For an In-Person Vehicle Inspection to Get a Car Title Loan?

Many times when seeking title loans, you will see a requirement to bring your vehicle in for an in-person inspection, but that is not the case when you look for a loan through Max Cash Title Loans!2 What the title loan companies we work with will usually require are some basic photos instead of requiring an in-person vehicle inspection. You can even take the photos straight from your smartphone and text them in! 

How Much Money Can I Get from a Car Title Loan?

Lenders determine eligibility for loan approval typically by looking at the ability to pay the loan back, and the overall value of the car itself. The maximum and minimum loan amounts you will see may differ depending on the state you live in. Because at Max Cash Title Loans we work with a variety of lenders, we will do the best we can to fit your financial needs.2 It is always important to remember to only take out a loan amount that will cover your needs and that you are confident you can pay back to your lender comfortably. 

Do I Have the Option to Refinance a Car Title Loan?

If you have a pre-existing loan, you may still apply for a car title loan refinance through Max Cash Title Loans.2 5 The way this typically looks is that the remaining balance is settled with the prior loan lender, and is transferred over into your new balance with the refinanced loan.1 2 5  You could still receive the quick cash you need the same day you apply or within 24 hours!1 Some benefits of doing this include extended time to complete payment and highly competitive rates on interest and principal.4

Get cash fast with an auto title loan! car title loan, fast cash

If a car title loan sounds like exactly what you need to give yourself a financial boost, reach out to Max Cash Title Loans at (855) 561-5626, or visit us online to begin the process. One of our friendly representatives will help you determine if this is the right option for you. Let us do the hard work for you and find your perfect title lender!