Can I Get a Title Loan Without Seeing a Car?

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How Can I Get a Title Loan Without Seeing a Car?

Auto title loans are known to be flexible and convenient. But is it possible to get a title loan without seeing a car? The answer is no. But it is possible to get a title loan without driving your car to a storefront location! Some lenders can offer online vehicle inspections instead of physical ones, which can be a lot more convenient and accessible. 

Keep reading to learn more about getting title loans without seeing a car. Or, give Max Cash Title Loans a call at 855-561-5626 to speak to a title loan representative.

What are Online Car Title Loans? 

online title loans

Before you can learn more about applying for a title loan without a car, it is important to learn more about how title loans work. Title loans can be a helpful solution if you need quick funding to get back on your feet. Auto title loans are secured loans that require the applicant to pledge an asset as collateral. The lender focuses on the borrower’s income, vehicle value, and repayment ability during the loan application. 

Are you in a financial pinch and need a little extra cash? You can potentially apply for a title loan and access the financial help you need.5 The title will be considered the guarantee for the loan. A lien will be placed on it after the loan is funded. 

Once the contract is fulfilled on the borrower’s end, the lender will remove the lien and will send the title back to the borrower. For more information on car title loans, you can visit our FAQ page! You can get the process started online with a simple application.5 Apply online today!

Is the Car Required for a Title Loan? 

Yes, a borrower’s vehicle title is used to secure the loan. Therefore, a vehicle is an integral part of the application process. Throughout the loan inquiry process, title lenders will usually determine if a person is a good candidate for a title loan based on past financial behavior, current assets (vehicle value), and their ability to pay back the loan.5 Establishing the value of your asset is required during the title loan inquiry process in order to determine what your potential loan amount will be. Additionally, your eligibility is based on the value of your vehicle. Therefore, a title lender will need to see your car to evaluate its value and determine its current condition. The overall condition of your car will affect its resale value, so a lender will need to see proof of your vehicle! That is why you can’t get a title loan without seeing the car.

Make sure to keep in mind that requirements differ from lender to lender. So, it is important to reach out to them and learn more about their specific needs and criteria for the loan. Or, just give us a call at 855-561-5626!5

What is a Vehicle Inspection?

title loan without a car

Typically, title loan lenders want to inspect the vehicle before offering a loan because the car acts as the security for the loan, also known as “collateral”. The vehicle inspection is nothing to be concerned about unless, of course, you don’t have one. You will need to take your vehicle to a storefront location if they require it, but some do not. It is not uncommon for title lenders to just ask for a few recent photos of your car in good lighting.

If the inspection takes place in person, then the representative who handles your vehicle inspection will take pictures of the vehicle. They will make sure there is no significant damage to the vehicle, check the Vehicle Identification Number (VIN) and odometer, and will confirm its estimated value. Other things the lender might consider are: 

  • Features and Upgrades: The features and configurations of your vehicle could increase its value. 
  • Modifications: Aftermarket parts added to your vehicle may affect its value. Updates to the car’s interior or exterior design may increase or decrease the value of the car.

Think of it as a vehicle inspection checklist, once your vehicle is inspected, you are one step closer to getting funded! 

What If I Can’t Take My Vehicle To Get Inspected? 

If you need an online car inspection, don’t sweat it! Some title lenders may be able to offer that to qualified borrowers. There may be an emergency occurring in your life right now, or you don’t have time to take the vehicle to an actual location, most lenders understand. 

Convenience is what online title loans revolve around. There are other ways of getting a car title loan without an in-person vehicle inspection. There are lenders that offer a virtual vehicle inspection, and yes, you read that correctly! Potential borrowers will need to submit images of their vehicles. This is done so that lenders can verify the status of your automobile and assess that it is in good working condition.

Where Can I Apply for an Online Title Loan Without a Vehicle Inspection?

title loan without the car

While you can’t get a title loan without someone seeing the car, you can apply for a title loan online and potentially access a virtual car inspection! If you’re ready to start your online title loan application, Max Cash Title Loans is here for you.5 You can apply for the quick funding you need through a title loan without leaving your home! That’s how simple and convenient title loans can be.