Can I Obtain a Loan When I Have Declared Bankruptcy in the Past?

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A series of financial challenges may force someone to declare bankruptcy. And recovering from that can be a challenge, especially if the financial problems continue to mount. If you’re scrambling to find emergency money, you may be wondering if you can obtain a loan. Most lenders won’t lend to someone who’s declared bankruptcy in the past. But did you know that there are lenders who could help you out, even if you’ve had a past bankruptcy? Keep reading to find out how you can obtain a car title loan and how Max Cash® Title Loans can assist you with the process!

Will a Past Bankruptcy Affect My Ability to Obtain a Car Title Loan?

If you are presently going through a bankruptcy, it can impact your ability to obtain a car title loan. You’ll need to get permission from the court if you want to obtain a car title loan.

If you have past bankruptcy, that isn’t necessarily a barrier to obtaining a car title loan. This is because the requirements for a car title loan are different than the requirements for a traditional loan. For example, traditional lenders put a heavy emphasis on your credit score. In contrast, car title loan lenders are most interested in the equity in your car and your ability to pay you back your loan.

What Do I Need to Obtain a Car Title Loan After Declaring Bankruptcy?

If you’re interested in using a car title loan to cover an unexpected expense after a bankruptcy, you’ll need to gather some important documents. For example:

  • The title to your qualifying vehicle in your name
  • Proof of income
  • Proof of residence (certain pieces of mail)
  • A government-issued I.D. (driver’s license, state I.D., passport, etc.)
  • Photos of the front, back, and sides of vehicle

You should note that not all car title loan lenders require photos of your car. Some lenders require potential borrowers bring their cars down to their brick and mortar location for an in-person inspection. Reviewing your vehicle’s condition is an important part of the car title loan process and could impact the amount of money you could potentially borrow.

How Do I Show Proof of Income for a Car Title Loan After Bankruptcy?

Many people think that the only way to show proof of income for a car title loan is by presenting a recent pay stub. There are a variety of ways you could demonstrate your ability to pay back a car title loan. For example:

  • Annuity
  • Inheritance
  • Workers’ Compensation
  • Settlement/Court-Ordered Award
  • Social Security

Can I Obtain a Car Title Loan Without My Car Title?

You will need a copy of your car title with your name on it to obtain a car title loan. If you don’t have a copy of your car title, you must acquire a new one at the DMV. There are some DMV locations that could give you an expedited copy, but this usually costs extra. If you’re having trouble finding a DMV that can help you, the customer service representatives at Max Cash Title Loans may be able to direct you to the nearest DMV able to expedite your car title. In the right circumstances, they may even be able to assist you directly with your new car title.

Do Car Title Loans Have Hidden Fees?

Reputable car title loan companies do not try to take advantage of their customers through confusing language or hidden fees. Rather, they do their best to make their loan agreements clear and easy to understand. They do not include balloon payments, so you won’t get hit with a large payment at the lend of the life of the loan.3 Nor do reputable lenders punish borrowers for trying to pay their loan back early by hitting them with prepayment penalties. It’s important that you always read your entire loan agreement and ensure that all your questions are answered by your lender’s representative.

What Happens if I Can’t Pay Back My Car Title Loan?

Borrowers who fail to pay back their car title loans are at serious risk for having their vehicle seized by their lender. While each state has their own specific procedures that lenders follow during the repossession process, there are few generalities that they all follow.

Once a borrower misses enough payments for their loan to default, they may receive a right to cure notice. This informs the borrower that they have a limited window during which they may pay the entire balance of their loan. Once any applicable grace period has expired, the lender may repossess the borrower’s car. Once the lender takes possession of the car, they auction it off to attempt to recover any outstanding debt.

Now you know that having declared bankruptcy in the past may not disqualify you from obtaining a car title loan.1 The sea of options available to you when you are looking to obtain a car title loan may be difficult to navigate. Fortunately, Max Cash Title Loans may be bale to help you find a safe harbor during your car title loan journey.5