Getting a Title Loan without a Social Security Number

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How Much You Can Get On Your Car Banner
Are you considering taking out a car title loan to help you resolve a financial difficulty?  Some people think that you can’t get a car title loan without a Social Security number.  This isn’t actually true. There are alternatives you can use when applying for a car title loan. Max Cash Title Loans is here to help borrowers like you understand all aspects of the car title loans process.

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

If you don’t have a Social Security number, you can use an Individual Tax Identification number for your car title loan documentation. You’ll need it in addition to the normal documentation associated with a car title loan.

What Documents Do I Need to Get a Car Title Loan Without a Social Security Number?

If you’re interested in applying for a car title loan, you’ll need the following:

  • Qualifying Car Title in your name
  • Proof of Residence (Certain pieces of mail)
  • Photos of your car (front, back, and sides)
  • Proof of Income
  • Government-Issued I.D. (Driver’s License, State I.D., Passport, etc.)

It’s important that your car title has your name on it. If there is more than one person’s name on the title, they will be separated by an and or an or. If there is an and between them, both people will need to submit paperwork. If there is an or between the names, only one person needs to submit documentation.

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 determines the maximum amount you can borrow. Its worth is determined by things like, the condition of the exterior, hence the photos, the age of the car, and the number of miles. The length of the loan determines the size of the monthly payments. And finally, your monthly income is used to calculate what you can afford to pay back each month.

What can I use for proof of income for a car title loan?

While many people think that they need to use a recent pay stub to demonstrate ability to pay for a car title loan, there are actually a number of different things you can use. For example:

  • Settlement
  • Alimony
  • Social Security
  • Disability
  • Worker’s Compensation
  • Child Support

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. In certain situations, they may even be able to help you directly to get a new car title. If you can add your lender as a lienholder at the time you have your new title issued, it may reduce the wait time on your loan.

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 normally 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, if there is a surplus after the auction, it must be returned 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. That said, it’s important to go through your entire loan agreement with your lender and make sure you understand everything. Reputable lenders will be happy to make sure you understand it completely. Some loans have things called balloon payments or prepayment penalties. These loans require you to do things like make a large payment at the end of the loan life, or punish you for paying early. Max Cash Title Loans does their best to help borrowers avoid complicated loan terms like those3.

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. There may be fees associated with a rollover, but you’ll have an entire new loan duration to pay it off.

Getting a car title loan can be stressful. Max Cash Title Loans works with potential borrowers to try to help them get a loan that fits with their situation2. If you’re worried about being able to get a car title loan because you don’t have a Social Security number, contact Max Cash Title Loans and they can help you understand your options. If you’re ready to start the car title loan process immediately, apply today2.