How to Get a Title Loan Without a Title in Hand

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Auto title loans are excellent funding options for people who need money quickly and easily. Title loans are a common way for people who have limited options to get the money they need. Customers with poor credit can still be approved for title loans because the equity in their car secures the loan. You cannot get a title loan without a title in hand because the clear title of ownership to your vehicle is what qualifies you for approval.

However, Max Cash® Title Loans could possibly help you refinance your current title loan if your title already has a lien on it. Additionally, it might be possible for you to still qualify for a title loan even if you have not paid off your car in full yet.

Is a Clear Title Necessary for a New Title Loan?

Having a free and clear title of ownership for your vehicle is necessary for an auto title loan. This is because an auto title loan is a kind of secured installment loan which uses the equity found in your personal vehicle as collateral to secure your funding. Using the equity value in your car as collateral is what allows people with poor credit access to title loan approval!

If you do not have a free and clear title in hand, there still may be other ways that Max Cash Title Loans can help you!

Other Requirements for a Title Loan

The two most important qualifying factors that are considered in approving someone for a title loan are the ability to repay the loan in regular monthly payments and the current value of their vehicle.1

While you do need the title to your vehicle to obtain an auto title loan, it is sometimes possible to get a title loan on a car that has not been fully paid off yet depending on the circumstances. In addition to a car that is owned by you and in safe working condition, there are a few other requirements for title loan approval.

These include:

  • Qualifying Title to your Car

The title must be in your name to prove the car is owned by you; however, if your title already has a lien on it from another title loan, you may be able to qualify for refinancing!

  • Government Issued ID

This could be a driver’s license, passport, social security card, military identification, or state-issued ID card.

  • Proof of Income

These documents are to show your ability to pay off the loan. They could include recent paystubs, social security account statements, pension, bank account statements, or tax records.

  • Proof of Residence

Any kind of documents that prove you reside within the state you are asking for approval in. Documents like a household utility bill, a lease agreement, or a credit card statement will do.

  • Pictures of your Car

A title loan lender needs to see some pictures of the vehicle that the qualifying title is for so. This way they can confirm all the information you’ve provided to them including the condition of the car.

  • A Few References

You usually need to provide two or so references for approval either personal and/or professional.

Refinance Your Current Title Loan

Do you already have a lien on the title of your vehicle? Concerned about not having your title in hand because it already has a lien placed on it by a lender? You could possibly still get a new title loan through the refinancing route.

Perhaps you find yourself off track with your current title loan or you’ve fallen behind on your monthly payments. Maybe you were taken off-guard by surprise charges or how quickly you were expected to pay off your loan. Whatever may have happened, financial commitments can easily become overwhelming and you might need alternative options!

Max Cash Title Loans could help you find a loan with more flexibility with a different lender and brand new terms!

Easy 3-Step Process to Refinance Your Title Loan

Max Cash Title Loans has a simple and lightning-fast process to see if you qualify for a refinance of your title loan. All you need to do is follow these three simple steps:

1. Fill Out the Online Form

Fill in Max Cash Title Loans’ quick online form with some basic information. First, we need your name, your date of birth, your income, and some facts about your car like the make, model, year, mileage, and overall condition.

2. Send In the Required Documents

Once Max Cash Title Loans has the information you provided, we will connect you with the right lender for your loan refinance. Next, they will ask for some necessary documents to move forward with a new contract. You can email over pictures or scans of a photo ID, the title of your car, proof of income and address, and a few references.

3. Receive Your New Refinanced Terms

Lastly, if approved for title loan refinancing, your lender will find you updated terms, a revised payment plan, and a new contract to sign. If you see things that don’t work for you in your contract, talk them through with your lender and see what they can do. By doing this you can avoid future problems.

Max Cash Title Loans Help You Refinance without Title in Hand

Max Cash Title Loans commits to helping their customers find financial success. If you need a title loan without your title in hand Max Cash Title Loans may still be able to help you refinance so your loan is more manageable!

We offer you superior customer service with clear communication each and every step of the way. Max Cash Title Loans always works for you, never the lender. We use our extensive knowledge and experience in the industry to find you the best deals possible! 2 5