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If you are in need of some emergency cash, you might be considering a car title loan as a solution. Before making any big financial decisions, it’s always a good idea to learn all the details you need to know to be sure it’s the right move for you. 

Max Cash® Title Loans knows all the ins and outs of the car title loan industry. We can give you the 411 on everything from how they work to how much you can get on a car title loan! Max Cash Title Loans is committed to making sure that you are as well-informed as possible. That way, you can always make the best decisions that’ll lead to your optimum financial health.

In addition to all of that, Max Cash Title Loans may be able to connect you with the lenders that can offer you the most cash and the best value on your car title loan!

How Car Title Loans Work

So, what are car title loans? And how do they work? 

Simply put, car title loans are a kind of secured installment loan. They are secured using the equity value of the borrower’s car as collateral. This security is what allows car title loans to be granted to borrowers of all kinds including those with poor credit scores or past bankruptcies. This makes them popular options for people who need emergency cash quickly and might have trouble getting approved for other loans fast enough.

The essentials of how a car title loan works are simple:

  • The possible borrower applies for a title loan by providing some basic information about their car and their current income.
  • Once approved for a car title loan, the borrower hands over the title of ownership to their car and the lender places a lien on it. 
  • The lienholder i.e., the lender, holds onto the borrower’s title while they drive off with their car. The borrower is able to use and drive their car as they usually would. They will need to make the monthly payments on their loan on time. 
  • After the borrower has paid off their car title loan according to the agreed upon terms, the lender will remove the lien placed on their title and return it to them free and clear!

Determining Factors in Your Car Title Loan Value

There are several determining factors that are important in how much money you might be able to get on a title loan. The most important factors that go into the loan values you may be offered include but are not limited to:

  • The Vehicle’s Equity

The most important determining factor in how much money you may be able to qualify for is the equity value in your car. To figure out your car’s trade-in value you can use Kelley Blue Book and that is a great jumping off point. However, you are unlikely going to be offered a loan that is worth the total value of your car. Usually your loan to value (LTV) is at most 75%.

  • Ability to Pay Off the Loan

Another factor that determines how big your loan will be is your current income. The lender needs to be able to trust that you will be able to pay off the loan. In the qualification process, you will need to be able to show a steady flow of some kind of income. However, the better your current income, the higher the amount the lender will be willing to offer you in your car title loan. 

  • The Lender

The value can really depend on the lender. Every single one is different and has varying standards for loan calculations. Some lenders give more and some give less, it depends on who you choose to work with!

How Much Can You Get with a Car Title Loan?

Finding out how much money you can get using your car with a title loan is dependent on a lot of variables like all the ones listed above. Because of that, it is almost impossible to figure out how much you really could be offered without actually applying. 

What is great about Max Cash Title Loans is that we can help you with that! To figure out how much lenders out there might offer you, simply fill out our online inquiry form. However, with some basic information about you and your vehicle, Max Cash Title Loans can figure out what lenders will offer you the most money at the most competitive rates and affordable terms.1 4 

See If You Qualify for a Car Title Loan

See how much you could qualify for by following these three simple steps:

First Step: Firstly, you will out the online inquiry form on Max Cash Title Loans’ website. Simply provide some basic information like your name, date of birth, current income, and the make, model, mileage, and year of your car.

Second Step: Secondly, you will need to send over the required documents by email. The typical documents needed are: a government-issued ID, your car’s title, proof of income and address. You may also need pictures of your car and two references.

Third Step: Find out if you qualify and how much you have been approved for. If you want to move forward, then you can get your money in as little as one business day!

Benefits of Max Cash Title Loans on Your Side

When you work with Max Cash Title Loans to find the right lender for you, you have someone on your side! And having someone skilled in the business on your side means you are more likely to get the best deals.4 5 

Some other benefits that you might be able to take advantage of if you work with Max Cash Title Loans include:

  • Flexible and affordable terms! 4
  • More money than you may be able to find elsewhere. 1 
  • Helpful and friendly customer service seven days a week.
  • Competitive rates! 4
  • Easy and quick all-online process.

See how much you can get on a car title loan today!