What Kind of Documents Do I Need for a Title Loan?

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Learn More About the Documents You’ll Need to Secure Funding

When you apply for any type of loan, you will need to provide some information about yourself. This information needs to be verified by a loan agent before you can receive approval! You will need to provide a few documents to obtain a title loan. These documents for a title loan are used by title loan agents to verify your:

  1. Vehicle
  2. Vehicle Ownership
  3. Income
  4. Residence
  5. And Your Ability to Repay the Loan!

Keep reading to learn more about the kinds of title loan documents you will need to apply through Max Cash® Title Loans today.

How Does a Title Loan Work?

Title loans are a unique type of secured funding option. Through a title loan, you’ll be able to use your car as collateral for the loan. This can allow you to access your vehicle’s available equity and turn it into cash you can use! If you qualify for a title loan, depending on your state and income, you could access up to 50% of your car’s equity. 

Since your title is the collateral for the loan, a title loan lender will place a lien on the title and become the lien holder. This lien is their legal right to your asset until the loan is paid in full. Once you’ve made all your payments, the lien is removed and your title is free and clear! You can continue to drive your car while you make on-time payments on your title loan each month. Your vehicle’s title is one of the most important documents for a title loan that you will need!

If you have questions about the ins and outs of title loans, call a Max Cash Title Loan agent today at 855-561-5626 today! 

Do I Need Perfect Credit to Apply for a Car Title Loan?

For most unsecured loans, your credit history is the most important part of the approval process. An individual’s credit history tells a lender what their current financial situation is like and how reliable they are when it comes to borrowing money. If your credit history is less than stellar, you may not qualify for certain types of unsecured loans. 

Unsecured loan lenders will focus on your income, your ability to pay a loan, and your current credit score as well as your income to debt-ratio. That’s why it can be tough to receive approval for an unsecured personal loan if your finances are suffering! However, you will likely have a different experience through a title loan. Title loans are secured loans, meaning that collateral is used to minimize the risk to lend to an individual that does not have a strong credit history. You don’t need to have a perfect credit score to qualify for a title loan!5 

Use These Documents to Apply for a Title Loan

The process for securing a title loan can be simple and fast. With Max Cash Title Loans, you can apply online or over the phone and get connected to thousands of verified title loan lenders!

There are a few easy steps until you find out if you’re approved for a loan!5  First, you’ll apply online, or call a title loan representative (855) 561-5626 to send in your vehicle information. Then, we’ll verify your vehicle’s information and get back to you immediately.2 The last thing you’ll have to do before you have the cash in hand is submitted your documents. Here is a list of the documents you’ll likely need to present at the time of your loan inquiry:

Photo ID

You’ll need a photo ID to verify your identity and that you are at least 18 years old. This doesn’t have to be a driver’s license, it can be any valid government-issued ID, including: a driver’s license, passport, military ID card, or other state-issued ID.

Title of Your Car

You’ll also need to be able to produce the title for the vehicle in your name. The name on the title needs to match the name on the photo ID. The title must be free and clear so the lender can place a lien on it until the loan has been repaid. If you are currently financing your vehicle, you may still qualify for a title loan if your car has the right amount of equity!5

Proof of Income

You’ll need to prove you have a steady income source to show you’ll be able to pay back the loan. However you are bringing in income, you can show a variety of documents to prove that you can afford a loan. The most commonly used documents are a pay stub, current tax documents, W-2, 1099, pension or Social Security statements, disability checks, or a letter from your employer with your salary information can also qualify as proof of income. 

Proof of Residence

You’ll also need to provide proof of residence in the state you are applying from. There are different rules in different states around title loans, so we’ll make sure you’re good to go when you apply with us. Recent bills to your address are often an easy way to prove your residence in your state. Typically, these bills are utility bills, credit card statements, etc. You can also use a bank statement, a government document, or a lease agreement. 

Proof of Insurance 

You’ll also need a copy of the vehicle’s insurance at the time of inquiry. Make sure that it’s up to date! 

Apply Online Today

Now that you know what documents for a title loan are necessary, it may be time to apply! The process for securing a title loan is simple and straightforward for your convenience. Having your documents in order before you start the process can make it even more streamlined. Getting access to the cash you need shouldn’t be a hassle!5 

If you have any questions, please don’t hesitate to reach out by phone or through our contact form. An expert at Max Cash Title Loans is ready to answer any questions you have and walk you through the process. If you’re ready to get started, fill out our pre-approval form today! Or, call a title loan agent any day of the week at 855-561-5626