What to Do When You Can’t Pay Your Title Loan

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Title loans are easy to get, but eventually, you have to pay them off. Figuring out how to pay them off as quickly as possible is the goal. Life happens, and we want to give you some examples of what you can do if you find yourself in this situation. You may not know what to do when you can’t pay your title loan, and that’s scary. Refinancing, downgrading to an affordable car, negotiating, filing for bankruptcy, or working an extra job can all be possible solutions. 

Refinance Your Current Loan  If You Can’t Pay Your Auto Title Loan

Refinancing your loan means that it can be replaced with a different loan. The goal of refinancing your title loan is to obtain more optimal terms, including a better interest rate. A fixed-rate loan from a lender is often less expensive than rolling your title loan over month after month. It is all about saving money and paying back what you owe. 

If you’re having trouble getting approved for title loan refinancing, Max Cash® Title Loans is here to serve you!5  Our experienced customer service representatives will assist you every step of the way. You have a better chance of qualifying when you work with individuals that understand the process and can guide you in the right direction.1,5 

If for some reason you don’t qualify for the refinance, somebody close to you might be willing to co-sign and help you get approved.5 It can be a friend, family member, or even your spouse. This is common, but make sure they are willing and able to take on the risk of paying off the loan in the event you can’t. 

If you are ready to begin the application process, simply head to our website and fill out a title loan application, or give us a call/send us a text to get things rolling. Once approved for a pink slip loan, the funds could be sent to your bank account or picked up at a Moneygram location as soon as the next business day.1, 5 


Another way that you can help yourself get out of debt faster is by downgrading to a vehicle that is affordable. If you own a vehicle that you can’t afford, odds are, it will not work out in the long run. It can sometimes make sense to sell the car to generate cash. Selling is difficult when you don’t have a clean title (when you still owe money), but it’s possible. Downgrading to a less expensive vehicle could save you hundreds or more in interest and fees. You can also free up cash flow every month with smaller payments. It’s a win-win. 


If you don’t know what to do when you can’t pay your title loan, don’t sweat it. There is always the old fashion way- and that is to negotiate! Do not be afraid to call your lender and tell them the truth about your financial situation. Your existing lender might be willing to work with you! Be honest and tell them what kind of payment you can make a month and express your willingness to pay them back. The lender will most likely appreciate that and will help you out as much as possible. If your finances are spinning out of control, your lender might prefer to get something from you before you become completely insolvent. An understanding between the borrower and the lender can help you get back on stable ground.

File for Bankruptcy

Bankruptcy can offer limited relief from auto title loans. It can help you avoid personal liability for a deficiency judgment but the car often continues to serve as collateral for the loan. Before you take the rather drastic action of filing for bankruptcy, you should consider discussing your situation with a Max Cash Representative. We are the #1 nationwide online title loan marketplace. We work hard to connect with people with vetted lenders all across the country.5 

Make Extra Money on the Side if You Can’t Pay Your Title Loan

 You might have some skills that can be monetized in order to come up with the balance for your monthly payments. Whatever it is that you can do well, find ways to monetize it!

Your goal should be to make enough cash to fulfill your monthly loan fees. Any extra payment towards your loan will help in the long run. Be consistent and don’t give up! This will likely help you make payments on time and avoid late fees that will keep you in debt. For example, you can drive a taxi service, sell belongings that you no longer need, or get overtime at work. The flexible thing about the lenders that we work with, is that they accept various sources of income for approval.

Contact Max Cash Title Loans Today if You Can’t Pay Your Title Loan

No matter why you can’t pay off your loan, there are options! Refinancing your online title loan may be the way to go. Max Cash Title Loans is the best place to start. Filling out an application only takes a few minutes, and our financial services are free to you! To find out more about our process and how it works, check out our FAQ page