Do I Have Full Use of My Vehicle During My Car Title Loan?

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How Much You Can Get On Your Car Banner

If you’re in need of emergency money to cover an unexpected expense, you may be considering a loan. If you’ve looked into traditional loans or pawnshop loans, it’s possible they told you that you needed to give up your car for the length of the loan.

Are you familiar with car title loans? If you get a car title loan, you may be able to retain full use of your vehicle during the life of your loan. Max Cash® Title Loans answers this question, and many more, below.

Can I Keep Driving my Car While I Have a Car Title Loan?

You can! One of the major benefits of a car title loan, over something like a pawnshop loan, is that you could keep and drive your car as normal. All you have to do is ensure that you keep current with your convenient monthly payments. It’s all possible because during your car title loan, you are using your car title, rather than your actual vehicle, as collateral for the loan.

Can I Get a Car Title Loan with Bad Credit? No Credit?

It is possible to get a car title loan, even with bad credit or no credit.5 Traditional lenders place considerable weight on your credit score and will deny you a loan if it’s too low. In contrast, car title loan lenders hardly even look at your credit score.5 They are much more concerned with whether you’ll be able to pay your loan back and the equity in your car.

What Do I Need if I Want to Get a Car Title Loan?

If you’re considering obtaining a car title loan, there’s several documents you’ll need to gather to complete the process. This list isn’t necessarily comprehensive, and you should speak with your lender to make sure you give them everything they need to process your loan as quickly as possible:

  • Qualifying title for the vehicle
  • Proof of residence (certain pieces of mail)
  • Photos of the front, back, and sides of vehicle
  • Proof of income
  • Government-issued I.D. (driver’s license, state I.D., passport, etc.)

You should also note that some lenders don’t require photos of your car as part of the car title loan process. Instead, you’ll need to take your car down to their brick and mortar location so they may inspect it in person. Lenders inspect cars as part of the evaluation process that determines how much money they could lend you through a car title loan.

What’s Proof of Income for a Car Title Loan?

There are quite a few people who are under the impression that the only way you could show proof of income for a car title loan is through a recent pay stub. In reality, there are several ways you could demonstrate your capacity to pay your loan back:

  • Inheritance
  • Annuity
  • Settlement/Court-Ordered Award
  • Social Security
  • Workers’ Compensation

What Happens if I Don’t Pay My Car Title Loan Back?

Borrowers who fail to repay their car title loans are at risk for having their car repossessed. While the exact repossession procedure varies from state to state, the general progression is the same everywhere.

Once a borrower misses sufficient payments on their loan, it goes into default. Depending on the state, the lender may be required to send the borrow a right to cure notice. If required, it indicates that there is a grace period during which the borrower may repay the entire balance of the loan. If the borrower fails to pay, the lender could move forward with the repossession.

Once the borrower’s car has been seized, the lender normally sells it at auction to attempt to recoup any unpaid money. In some states, that’s the end of the relationship between the borrower and the lender.

With other states, if the auction doesn’t raise enough money to cover the debt, the lender could continue to pursue the borrower for payment. In others, if the auction raises more than the value of the debt, any excess must be returned to the borrower.

Now that you know a little more about the benefits of car title loans, you know that it might be the solution to your financial woes. And if you have any questions, the helpful staff at Max Cash Title Loans are here to help. They are extremely familiar with the car title loan industry and are happy to help you with any car title loan needs you have.