Getting a Title Loan without a Social Security Number

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Many people think getting a title loan without a Social Security number is impossible. However, this isn’t always the case. Traditional loan lenders such as a bank will almost always require your Social Security number before approving you for a loan. But sometimes, for whatever reason, you might not be able to obtain a Social Security number. This would leave you unable to get financial assistance from virtually all traditional loan lenders.

But there are more accommodating non-traditional lenders that exist. Many car title loan lenders will accept another form of identification when it comes to your Social Security number. Your Individual Taxpayer Identification number is another number most car title loan lenders accept in lieu of your Social Security number.

If you are looking to get a title loan without a social security number, Max Cash® Title Loans may be able to help you out.1 2 5 Call 855-561-5626 or visit us online to begin your inquiry.

Why Your Social Security Number is Important

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Your Social Security number is one of the main methods the government, and various financial institutions keep track of your identity and general information. A person’s Social Security number is connected to details about their banking information, their financial history records, and many other private aspects of an individual’s life.

Your Social Security number is essentially the key to many of your personal details and other bits of private information. Having this information can help lenders decide one way or the other if they feel that you are a person that qualifies for a car title loan from them. It is a great tool for them to be able to weigh the risk versus the benefit in such a situation.

Because Social Security acts as such a skeleton key to your personal life, you need to be EXTRA careful about who you give it out to. If it lands in the wrong hands, your identity could essentially be stolen in the eyes of the government. Identity theft can be a stressful, expensive, and time-consuming thing to recover from. The more careful you are with your Social Security number and other personal details in general, the better off you will be in the long run.

What Can I Use Instead of a Social Security Number to get a Loan?

If you are not eligible to obtain a Social Security number and are in need of financial assistance, you can use your Individual Taxpayer Identification Number to get the help you need with almost any car title loan lender. This will usually work as well as a Social Security number, as many of the lenders that Max Cash Title Loans works closely with on a daily basis will accept an Individual Taxpayer Identification Number.

If you know that you have a Social Security number but are just not entirely certain as to how to gain access to it, Max Cash Title Loans might be able to give you a hand in retrieving it. If you are not sure how to go about obtaining your Social Security number, you can give Max Cash Title Loans a phone call at 855-561-5626. From there, we might be able to send you in the right direction toward getting the information regarding obtaining your Social Security number that you need.

What Else Do You Need to Get a Car Title Loan?

Besides your Social Security number or Individual Taxpayer Identification Number, your car title loan lender will also require a few documents before they can draw up your car title loan contract. The good news is that the documentation you are normally required to provide is quite basic and you can probably gather everything in a short amount of time.

Remember, the faster you send in your documentation the sooner you can sign your car title loan contract!1 Here are some basic documents that car title loan lenders typically require a borrower to provide:

  • Government-issued photo ID
  • Proof of income
  • Proof of residence
  • Several photos of your car (to verify its condition)
  • Your vehicle title with your name on it
  • References

After your car title loan lender has your information and the required documents, they can draw up your car title loan contract for you to sign. Then you can receive your money and spend it on the essentials you need.

How Much Money Can I Get for a Car Title Loan?

Lenders will need to look at a few different things to determine how much money you can borrow.

  • Value of your car
  • Length of the loan
  • Your monthly income

The value of your car helps determine the maximum amount you can borrow. Vehicle equity is usually determined by things like the condition of the exterior, age of the car, the number of miles, etc. The length of the loan helps determine the size of the monthly payments. And finally, your monthly income is used to help calculate what you can afford to pay back each month.

How Can I Get a New Copy of my Car’s Title?

If you need to get a new copy of your vehicle’s title, you’ll have to take a trip to the DMV. Some DMVs can even provide you with an expedited copy of your title. Max Cash Title Loans might be able to help you locate the nearest DMV capable of expediting your new title to you, just give us a call at 855-561-5626.

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

If you’re having trouble repaying your loan, you should contact your lender immediately. The exact consequences of failure to pay back a car title loan will vary by state, but there is a general pattern they follow. Once a borrower has failed to make payments and their loan goes into default, they may be sent a notice to cure, stating that they have a certain amount of time to pay the entire balance plus any additional fees. Other states have no right to cure notice; as soon as a borrower defaults, their car may be repossessed.

Once the borrower’s car has been repossessed, lenders may auction them off. Any proceeds from the auction are used to pay off the borrower’s debt. Depending on the state, borrowers may still be responsible for any outstanding balance. In other states, any surplus goes directly to the borrower. While some lenders have a reputation for repossessing cars, reputable lenders try to minimize repossessions. They do this by working with borrowers to ensure that the terms of their loans work with their situation. And if the borrower’s situation changes, reputable lenders try to help them find a solution.

Do Car Title Loans Have Hidden Fees?

Reputable lenders don’t include hidden fees in their car title loan terms.3 4 That said, it’s important to go through your entire loan agreement with your lender and make sure you understand everything. Most lenders will be happy to make sure you understand your title loan completely by answering any questions you may have, so be sure to ask if you have them!

Note: Some loans have things called balloon payments or prepayment penalties. These loans include things like large payment at the end of the loan life or punishments for pre-payments. Max Cash Title Loans does their best to help borrowers avoid complicated loan terms like those. 3 4

Can I Extend My Loan Terms?

Depending on the state, it may be possible to extend the terms of your loan. You’ll need to speak with your lender. If they are able to extend your loan, they will likely roll your balance over to a new car title loan. This process is also known as a car title loan refinance.

Why Go with Max Cash to Find the Best Car Title Loan?

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Max Cash Title Loans is proud to be the #1 Nationwide Title Loans Marketplace. This means that when it comes to finding the best deals, with the best lenders, Max Cash Title Loans knows what it takes.

Max Cash knows that financial emergencies can strike at any time even on a Sunday. That is why Max Cash Title Loans is open and available every single day of the week. 7 days a week, Max Cash is here to connect you with the financial assistance you need.1 5

Start your title loan journey and get your finances back in order once and for all! All you have to do is call Max Cash Title Loans at 855-561-5626 or visit us online to begin!