What You Need to Know About Co-Signers and Car Title Loans

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If you are looking into funding you may be considering title loans. If you don’t have the best credit history you may be wondering about co-signers and car title loans. For those applying for a title loan for the first time, it may be helpful to know more about them and the role a co-signer can play. 

When looking for title loans, start with the experts at Max Cash® Title Loans. Instead of being a lender ourselves, we connect with potential borrowers with lenders across the country.5 Keep reading for everything you need to know about co-signers and car title loans! 

Do I Need a Co-signer for an Auto Title Loan?

Your first question about car title loans and a co-signer may be whether you will need one in the first place. This is common with personal loans, but title loans are different. In general, because car title loans are a secured loan, having bad credit history and a poor credit score is actually expected. 

Instead of focusing on what shows up on your credit report, lenders will focus on the value of the vehicle and income. And so, even without good credit, you could qualify for a car title loan. 

However, some people whose income requirements aren’t met, or are looking for better interest rates, or larger loan amounts, may consider asking a co-signer. 

Who Should I Ask About Being a Co-signer for a Car Title Loan?

There may be several options available when it comes to asking a person to be a co-signer for a car title loan, here are the most common options people turn to: 

  • parents 
  • grandparents 
  • extended family members 
  • close friends and/or mentors 
  • A spouse 

Before being added to the loan, these co-signer should know exactly what kind of situation they are getting into. This includes the monthly payments of the loan, the interest rates, the repayment terms/loan terms, and any other loan information provided to you by the lender for this new loan. To qualify as a co-signer, they will need to have good or excellent credit. 

Consider the Implications Co-signers and Car Title Loans

Before adding a co-signer to your loan, it is important to consider what that really means. 

When a co-signer is added to a loan, they essentially become a co-borrower. And so, when the primary borrower (you) makes late payments or doesn’t follow through with repayment, the co-signers credit can also be impacted!

Additionally, if you cannot repay the loan, the co-signer will be responsible for the entirety of the loan payments including any late fees, interest, and refinance fees if applicable. 

And so, when you do add a co-signer make sure that you will be able to make on-time payments, as is can have a massive impact on another person. 

What to Think About When Becoming a Co-signer, Yourself! 

When someone else asks you to cosign on a car title, here are a few things to keep in mind: 

  • you will be responsible if a borrower defaults on the loan. 
  • you never have to give in if you feel uncomfortable. 
  • ask for transparency and honesty from the primary borrower. 
  • only cosign with someone you trust with your finances. 
  • Review the details of the loan application, and loan agreement yourself. 
  • Ask for constant updates. 
  • Your credit rating may be in jeopardy. 

When Looking for a Title Loan Start with Max Cash Title Loans

If a title loan seems like the right option for quick cash, Max Cash Title Loans is the best place to start! By working with title loan companies that we pick ourselves, we can find the best lenders.5 

Here are a few advantages that could come with the lenders that we work with: 

A Hassle-Free Application Process 

The entire process is extremely simple and can be done from the comfort of home. 

Flexibility with Title Loan Amount4

Whether you need a few hundred dollars or a much larger amount, we may be able to find a lender that may be able to accommodate what you are looking for with these installment loans!4 5

No Prepayment Penalties3

Additionally, you pay your loan as early as you would like without paying pre-payment penalties.3

Get Cash Quickly Once Approved1 2

Once approved for a title loan with a lender, residents of the Camden area can have their funds as soon as 24 hours!1 2 The funds can be transferred to a bank account (provided you give the lender some basic account information), have the funds sent by mail or picked up at a local MoneyGram.1 2

No Hidden Fees3

The loan process is highly transparent, there are never any hidden fees to worry about during repayment, or after the loan is paid back.3

Refinancing May be Available4

whether you are repaying am auto loan, credit card debt, student loans, or another car title loan, we may be able to help you re

Our Financial Services are Free 

There is no cost to using our services to you!

Competitive Interest Rates4

The interest rates with all of the lenders that we work with are highly competitive!4 This could mean a great deal with total payments while getting the funds that you need.4 5

Flexibility with Repayment4 

With the lenders in our network, you could get up to a few years for repayment., so a short-term loan or something longer

If you are ready to get started, head online and fill out an online title loan application, or give us a call at (855) 561-5626. Once approved the funds can be made available in as little as 24 hours!1 2