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Getting a title loan is easy when you understand the process and are prepared. A car title pawn is different than a pawning your car at a Pawn Shop. Pawnshops will take your car and hold it where a title pawn will add the lender to your title just like when you financed your car, the bank was added as the lienholder.

Car title loans and title pawn is the same thing but different words. Auto title loan lenders need a few things from you in order to give you the money but know that if you are ready you can get the money the same day in almost all cases. So let’s prepare you beforehand so you can get the quick cash money.

Founder and CEO of Max Cash® Title Loans, Fred Winchar.
Fred Winchar, Owner and President

Here is the list of things you should have:


If you lost it or you can’t find it do not worry. The lender in most cases can get a duplicate title or even may ask you to go to the department of motor vehicles to get it. What if the title is not in your name? This happens a lot. You may have inherited the car and the title is not transferred to your name yet. As long as it’s signed over you are in good shape.

What if there are two names on the title? If the vehicle’s title has two names like John Doe and/or Jane Doe then the “or” means each person can do with the car what they wish without informing the other party but if there is an “and” then both parties need to agree on the loan and sign off.

What if the car is in a company name? If you are the business owner then it’s still your car and the car title loan lender will ask for proof of ownership of the business.


In almost all cases the lenders will not call them unless you go into default and they cannot get you to speak with them. You may see this in the loan application or on another form.

  • PROOF OF INCOME (not always required)

Some states require the lender to prove that you have the ability to repay the loan. Some do not. Proof of income does not mean you have to have employment and most will accept unemployment checks as proof. Maybe you make money unconventionally and lenders go above and beyond to look at all possibilities.  Title pawn loans are more about your car then the other factors in the loan.

  • INSURANCE (not always required)

Vehicle title loan companies are giving you money as hassle-free as possible which means they stand a risk since you are driving the vehicle to get into an accident and lower the value of the security.  You could potentially cause the security to go down to zero which puts them in a bad place.  BUT DO NOT FEAR because most will offer you gap insurance or help you with this. No matter what, title pawn companies will allow the car to have no insurance.


The easiest to prove. A piece of mail address to you will usually suffice. Make sure it is unopened when you snap the picture with your cell phone.


When you have these ready it’s time to fill out the inquiry form located on this website. The actual application process will be done by the lender and you.

To get the maximum loan amount, use your cell phone and take pictures of your car, including the vehicle identification number located on the driver’s door (open the door and you will see it) or through the driver’s side glass.

HOW DO YOU DISCUSS THE INTEREST RATELow title loan interest rates

The title pawn lender with come out the door with an interest rate which will also determine the title loan payment. What you may not know is that it is negotiable if you ask. They will usually bulge a little but that little can make a major difference. Explain to them your financial needs upfront and the monthly payments you are able to make. Some lenders have a dropping interest rate with each monthly on-time payment.


Some lenders will not pull your credit at all. Some will pull a soft pull and just look at your credit score but mostly they are looking if you are in credit counseling or bankruptcy. You can STILL get a loan even with bad credit or if you had a bankruptcy or even if you are in bankruptcy right now. You would need to get permission from the trustee to do this. You should not worry about your credit history.


The loan term could be short or long depending on the company. Some go up to three years while others just a month giving you the option to go another month after the first. Each lender has a bunch of loan terms for your fast cash needs.


NO, nothing like it. Payday loans get you in a loop of debt you may never get out of. First the amounts are small when you first get money but worse, the interest rate keeps getting that loan amount bigger and bigger and you will get frustrated that each payment never pays down the loan. Title Pawns are geared to pay a little to the principal and a little to the interest with each payment until you get your title back by setting up the loan to eventually go away.


Is that payment too high? Why not refinance with a new title pawn lender. The title pawn lender will buy out the title loan you have right now. Try to get your pay-off amount from the current lender. You will not have the title of course because your current title loan company has it but that is not a problem at all for us!


Because we serve almost every title loan lender we have access to over 4000 nationwide locations AND with our online title pawn option we serve over 22 states with statewide coverage no matter where you live in the state! Most people love the online title pawn option but some people simply do not want to mess around online and drive-in. We have those options and its all your choice.  What to see our title pawn locations? Here is the link to each location but also you should check out how it works section which has everything you ever needed to know about title loan title pawns.

On behalf of Max Cash Title loans we thank you for allowing us to offer your financial services were getting a cash advance has never been easier, faster, and allowing you multiple loan options to suit your needs.