Does My Car Need to be in My Name to Get a Title Loan?

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Should My Car Be in My Name in Order to Get a Title Loan?

Are you thinking about getting a title loan? You might be wondering, “Does my car need to be in my name to get a title loan?”

In general, your car will need to be in your name to get a title loan. However, if the car is not currently in your name because you are financing your vehicle (but the vehicle has a qualifying amount of equity), you may be able to find a lender who is willing to work with you.

When working out the details of an auto title loan, let the experts at Max Cash® Title Loans help you out. We are here 7 days a week to answer any questions that you may have about the process. If you are ready to apply for a title loan, we could also help connect you with a title loan lender.

Below you find more details on applying for a title loan when your car is not in your name at the moment. 

Why Does Your Car Have to Be in Your Name to Use as Collateral?

Title loans are collateral-based secured loans. In order to borrow against your vehicle’s equity, the title will need to be in your name at the time of your application. You won’t be able to borrow money against an asset that is not yours! A vehicle title is used to prove the ownership of a car. Without it, it will be tough to apply for a title loan. Additionally, you will need to have a qualifying vehicle in order to go through the approval process and obtain loan approval. A qualifying vehicle means it has enough equity to be used as collateral for the loan. Call 855-561-5626 to speak to a title loan representative and learn more!5

Can I Get a Title Loan if I Am Financing My Car?

If you are currently paying off an auto title loan or an auto loan, then your loan will have a lien on the car’s title. The lien will have been placed by a lienholder, which is your lender or title lender! If you have a car loan or a title loan, you most likely have a lien on your car’s title.

The good news is that there are title lenders out there that may be able to help you even if you have a lender’s name on the car’s title. Essentially, you will need to complete a payoff authorization form in order to obtain a new title loan to replace your existing loan (whether it be a title loan or a car loan). Your new title lender will pay off your existing lender, and the money that you still owe on your vehicle will be added to your loan’s principal balance.

How Do I Add My Name to the Vehicle?

If you have just bought a car, or have paid it off, great! Now you can have the title transferred under your name. If you are the rightful owner of a vehicle, you can complete the transfer process without a hitch in most cases. Depending on the state that you live in and the reason why the title was not in your name, there are a few documents that you will need to have with you, including a lien release, if applicable. Check your local Department of Motor Vehicles (DMV) page for specifics. From here, you can complete the title transfer online, or in person. 

Once the paperwork is complete you will receive an updated title with your name and other updated information on there. 

How Max Cash Title Loans Can Help When Looking for Title Loans?

Regardless of whether your name is on the title of the vehicle or not at the moment, the best place to start when looking for a title loan. We are the #1 nationwide online title loan marketplace. We can do all the time-consuming work of finding lenders, and even figuring out paperwork for your local DMV. 

In addition to our hassle-free title loan process, there are a few unique benefits that can come from our network of handpicked lenders: 

  • A fast application process.2 
  • Low monthly payments with these installment loans4
  • Highly competitive interest rates4
  • No prepayment penalties3
  • No hidden fees3 
  • Apply regardless of credit history or a bad credit score.5
  • Use the funds for all kinds of unexpected expenses and financial needs.
  • A convenient online application.
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What Documents Do I Need for a Title Loan?

When applying for these secured loans, it will be helpful to have a few important documents with you: 

  • A state-issued photo ID (driver’s license, passport, etc.)
  • Providing proof of income (pay stubs, bank statements, letters of income, award letters, etc.)
  • Vehicle title (does not have to be lien-free) and vehicle registration. 
  • Proof of residence (bank statements, current mail, lease, etc.)
  • Several photos of the vehicle (license plate, front, back, sides, interior, etc.)
  • Proof of car insurance (an insurance card will suffice)
  • 3 references (shouldn’t be family members) 

Even if you don’t have all these documents, do not hesitate to apply! The lenders we work with are flexible and may be able to work with you even if you don’t have all the documents. Additional documentation may be required depending on your current state of residence. You must submit the necessary paperwork in order to obtain a title loan.5

Keep in mind there will be a credit check with the process, but because of how title loans work, the value of your vehicle, and income will determine eligibility and loan amount.1

To learn more about car title loans and our approval process, check out our FAQ page. 

Apply for a Title Loan Even if Your Car is Not in Your Name!

Even if your car is not under your name, you may be able to get a title loan and receive quick funding.1 5 It just depends on the specific situation. Regardless of what position you find yourself in, contact Max Cash Title Loans. We can let you know eligibility quickly, and once approved, you could get the funds in as little as one business day.1 2 5

To get the ball rolling with potential loan options, call or text our phone number at (855) 561-5626. Or fill out a title loan application online. Get started right away!5