Do I Have to Sign my Title Loan Contract in Person?

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Title loans can be a suitable option when you need quick cash for an upcoming bill or emergency. If you are looking to apply for a loan that offers fast money and convenience, you can use your vehicle’s title to get it! If you’re exploring the convenience of an online option, you might wonder: Do I have to sign my title loan contract in person?

The good thing about title loans is that they’re offered online.

How Do Title Loans Work Online? 

You start with an application. First, you fill out the application online, or over the phone with a representative. Next, you would need to provide your vehicle’s vehicle identification number, also known as the VIN. The VIN acts as the car’s fingerprint, as no two cars have the exact VIN. A VIN is composed of 17 characters (digits and letters) that act as a distinctive identifier for the car. A VIN displays the car’s features, specifications, and manufacturer. 

During this inquiry process, you will provide basic information about your vehicle and income. Your vehicle’s title will be the collateral for the loan. A lien is placed on the title by the lender, but you can keep driving your vehicle while you make your loan payments on time.

Will My Car Qualify for a Title Loan Online? 

What makes you approved for a car title loan? 

One of the most significant factors for title loan eligibility is the value of the borrower’s collateral. For a car to qualify as collateral for a title loan, a vehicle must have equity. The use of collateral insinuates that the collateral must be worth something if the borrower does not meet the loan contract terms and fails to make payments.

Equity in vehicles is just how much the car is worth. What determines the equity?

  1. The Make, Model, and Year of the Car
  2. The Style of the Vehicle
  3. The Mileage of the Car
  4. The Condition of the Vehicle

Is There a Credit Check for an Online Title Loan?

Although lenders check for active bankruptcies and repossessions, you may still qualify for speedy funding through a title loan with a past history of financial duress! 5 Title loans allow borrowers to use their vehicle’s title instead of their credit score to secure their money.

Title loans are secured loans that base borrowers’ eligibility on their collateral’s value and income. Collateral helps neutralize the risk for a borrower without a high credit score to apply. If you have a steady income and a paid-off vehicle in your name, you may be able to use your title to get the cash you need!

How Much Cash Can I Get Through a Car Title Loan?

Generally, borrowers can use a title loan to access 20%-60% of their vehicle’s value. The amount a borrower can access will depend on their income and vehicle equity, instead of their credit history.

The more a vehicle is valued and the higher a borrower’s income, the more they can borrow through a title loan.1,5 One of the outstanding benefits of a secured loan is the ability to access more than you would be able to through an unsecured loan.

What Documents Will I Need to Qualify for a Title Loan Contract?

While the approval process for title loans can be done online, a few documents will need to be submitted during the application process. These documents can help the loan agents verify your information and hasten the approval process!

Before you can sign a title loan contract, you can expect to require these documents:

  1. Proof of Income: Since your loan amount and eligibility will depend on your income, you will need to submit some form of evidence that you can afford a loan payment each month. Use a bank statement, pay stub, or another form of alternative income.
  2. Proof of Address: A recent credit card bill or utility bill will work.
  3. Photos of the Vehicle: You can skip an in-person vehicle inspection by submitting your car’s front, back, and sides!
  4. State or Government-Issued ID: A driver’s license, passport, or military ID will suffice.
  5. Car Title: To qualify, it must be in your name and the state in which you reside. 

You can submit these documents online via upload portals or email, and with Max Cash® Title Loans, you can even upload documents through text!

 After I Sign My Title Loan Contract Online, How Will I Get Paid? 

There is a chance that you could be funded as early as the same day through MoneyGram or direct deposit. Lenders also offer to send a mailed check. 

After I Sign My Title Loan Contract Online, How Can I Repay My Loan? 

After you sign your title loan contract online, you may be wondering what the repayment process will look like. 

  1. Pay by Check in the Mail
  2. Pay by Phone Through a Credit or Debit Card
  3. Set Up an Automatic Withdrawal from a Checking Account

Where Can I Apply?

Now that you know you do not have to sign a title loan contract in-person, your next step is to get started on your title loan!

With Max Cash Title Loans, the entire inquiry process can be just three simple steps:

  1. Place a Loan Inquiry Online or Over the Phone 
  2. Send in your Documents
  3. Sign the Title Loan Contract