Do I Need a Car Title or Registration to Get a Loan?

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Are you in need of some quick funding? If you are, you may be struggling to find options that will get you the money you need quickly enough. A title loan could be a great resource to use. You might have questions about title loans, like: “Do I need a car title or registration to get a loan?”

So many personal loans out there take forever to approve you, while others reject you based on a less-than-perfect credit score. However, car title loans set themselves apart from other loans because they are secured loans. If you have a vehicle that you own, you could be the perfect candidate for a car title loan.5

Since car title loans revolve around your ownership of a vehicle, you might be curious as to whether you need a car title or registration to get a loan! While it is true that both are necessary in order to be approved for a car title loan, you should not be too concerned if you don’t currently have one or the other, as it is relatively simple to get replacements at your local DMV.

To make things as easy as possible for you, Max Cash® Title Loans is here to explain everything from top to bottom; from how title loans work, to how you go about replacing your registration and/or title at the DMV! We do the research on your behalf, so you don’t have to.

How Car Title Loans Work

Car title loans work so well for individuals who struggle to be approved for other types of personal loans because they are secured through collateral. More traditional loans require the borrower to have a very high credit score to minimize risk, as the loans are unsecured.

However, with title loans, the equity in your vehicle is used as collateral to secure the loan, so it is possible to be approved with a poor credit score or even a past bankruptcy. The process through which title loans work from approval to final payment is simple enough. Here is how it works:

  1. See If You Qualify!

After you have gone through the qualification process for your title loan, you will sign the contract and loan agreement, after which you will be asked to hand over the title of your car to the lender. The lender will then place a lien on the car and become the official ‘lienholder’. Once you get your money, you can drive off with your car just as you usually would!

  • Pay Down Your Loan in Installments.

You will then continue to make your monthly installment payments as set out in your loan agreement. You can keep driving your car as long as you make your payments on time!

  • Receive Your Car’s Title Back!

Once you have made the final payment on your title loan, the lender will take off the lien that they placed on your car’s title. You will get it back free and clear, signifying the end of your loan!

Do You Need a Car Title or Registration for Title Loans?

As car title loans are secured using the equity value found in your vehicle, it is of vital importance that your car has all the necessary documentation. This means both your car’s title and its registration. In addition to this, the lender has to place a lien on your title and keep it for the duration of the loan.

But if you have misplaced either your title or your registration, you may still be able to get the emergency funding you need through a title loan! All you need to do is get a replacement registration or a replacement title of ownership from your local DMV.

How to Get a Replacement Title or Registration

Everyone loses things sometimes, so there is no need to stress if you’ve misplaced your title or your registration. Once you get a new replacement copy, you will be able to apply for a car title loan easily enough!5

To get your replacement copy, all you need to do is head to your closest DMV. Just fill out an application for a small fee!

The applications will likely be pretty similar content-wise for both a replacement registration and a replacement title- with a few minor differences. On the application, you will be asked to provide:

  • Your full name and address
  • Your driver’s license number
  • Vehicle identification number (VIN)
  • License plate number
  • Make, model, year, and color of your vehicle
  • Proof of insurance

For a majority of states in the U.S, the replacement fee for a registration card is only around $20. The replacement fee for your car’s title can be a little bit more than that, sometimes up to $50.

Incomparable Service from Max Cash Title Loans

Here at Max Cash Title Loans, we want to do all that we can to ensure that you succeed. To us, this means equipping you with financial literacy and assistance when you need it.

At Max Cash Title Loans, you can expect incomparable customer service that is friendly and helpful. Our title loan agents are available seven days a week. We know that financial emergencies don’t wait to strike until it’s convenient.

To get started, simply fill out our online form. Find out if you pre-qualify for fast cash today!5