Can I Get a Second Title Loan?

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How Much You Can Get On Your Car Banner

If you currently have a title loan but are in need of additional funding, you may have considered getting a second title loan. But is this possible? Yes and no. While you cannot have two title loans on a single car at once, it is possible to get two title loans if a second car is used for the second title loan. However, this may not be the best decision. Thankfully, Max Cash Title Loans has several other options that may work better for you.

Can I Have More Than One Title Loan at the Same Time?

When you already have a title loan on an existing vehicle, you won’t be able to get a second title loan on that same vehicle until you’ve paid back the loan in full. In short, you cannot get a second title loan using the same car until the first one is paid off.

You may be able to get a second title loan if you have a second vehicle to use as collateral. However, think through your situation carefully before you make this decision. It may be a better option to refinance your existing title loan, instead of applying for a second one using a different car.

Once you pay off a car title loan completely, the lien on your vehicle is released. That means you have a clear-and-free title. At that point, even if you have used your car for a title loan before, you can get another one. There is no limit to how many times you use your car to get a title loan, as long as you have the previous loan paid off before you try to get another.

Should I Get a Second Title Loan?

If you are concerned about getting a second title loan, make sure you are financially prepared. If you get a second title loan on another car, keep in mind you will be responsible for two separate car title loan payments each month, on top of your other regular expenses. It may be a more convenient option for you to refinance.

Refinance Instead of Getting a Second Title Loan

Are you trying to get a second title loan to pay for your first? If you have a title loan with another company and the monthly payments are too high, you don’t need to get a second title loan! Refinancing your title loan can be a fantastic choice instead of looking for a second title loan. Max Cash Title Loans, the #1 Nationwide Title Loan Referral Service, could help you refinance your current title loan, no matter what lender you’re currently working with.1 2 We may be able to help you find a better lender, or even get you more money and better rates on your existing loan! 1 2

When you refinance your existing title loan with the help of Max Cash Title Loans, the process is extremely simple. All you have to do is submit your initial information just like you did when you originally applied. From there, you can talk to a Max Cash Title Loans representative and tell them you are looking to refinance.

To get started now, all you have to do is fill out a simple inquiry form, or call 855-561-5626!

 Auto Title Loan Buyout Instead of a Second Title Loan

When you refinance your title loan, the lender you refinance with is going to help with what is called a title loan buyout. If you refinance your loan with a different lender, your new lender will essentially take care of your existing loan balance, and roll it over into your new title loan. This allows the new lender to remove and replace the old lender as a lien.

The process of your new lender taking care of the old title loan balance is referred to as a title loan buyout. A title loan buyout allows you to essentially receive a brand new loan, often with better interest rates and payback terms. The lenders that Max Cash Title Loans work with are some of the best in the industry, and always offer the most competitive rates and terms.3 4

 Max Cash Title Loans is open 7 days a week so that we can have options available for people in need of help, even when most of the other lenders are closed for business. We understand that financial emergencies do not only happen Monday through Friday, so we make ourselves available all week long in order to give people more of a chance to get themselves out of their current struggles. 

What Are Some Benefits of Working with Max Cash Title Loans?

When you work with Max Cash Title Loans, we may get you in contact with the best deal on a car title loan near your area5. Working with car title loan lenders can be great because they offer so many advantages.

Here are some benefits that can come with working with many of the car title loan lenders who are associated with Max Cash Title Loans:

  • High approval rate1 Sometimes it can be difficult to find good funding if you are a victim of poor credit. Just because your credit score is not above a certain number doesn’t mean that you don’t deserve decent funding. Many title loan lenders have a high approval rate so they can help all the people they can. The equity of your vehicle and your ability to repay the loan is more important than your credit score to most title loan lenders.
  • Competitive rates and convenient terms4 Part of a successful car title loan is having a contract with rates and terms that can set you up for success. With most car title loan lenders, you can work with your car title loan agent to come up with the best payment plan that works for you. When you don’t have to stress out about your monthly installments, paying off your car title loan is a snap.
  • No pre-payment penalties3 It is easier to pay back your car title loan when you have control over when you make your payments. If it is more convenient for you to make your payment earlier than your payment due date, then you should be able to do that.!

What do you Need to Get a Car Title Loan?

If you want to receive your car title loan funding as soon as possible, you should have some documentation on hand. Your car title loan agent will need to verify some of your information before they can draw up your contract for you to sign.

However, the documents you need are basic, so you can probably gather them quickly. The sooner you get them, the sooner you can sign your contract and receive your money! Here is what you will need:

  • Government issued form of photo ID
  • Proof of residence
  • Proof of income
  • Vehicle title with your name on it
  • Some photos of your car

How to Receive the Most Value from My Cars When Looking for a Car Title Loan

When trying to get the most value from a vehicle, it is first important to understand the variables that may impact the value of a vehicle:

  • Factors that May Increase Value
    • Performance packages
    • Keeping mileage low
    • Having good tires
    • Documents of history and regular maintenance
  • Factors that May Decrease Value
    • Dents, scratches, rust or any other noticeable exterior damage
    • Rips or tears in the interior
    • Mechanical problems

Let Max Cash Title Loans Help You Today!

Whether you are looking for a second title loan, a title loan refinance, or a title loan buyout, Max Cash Title Loans is here to help you. If you have any questions along the way, our loan representatives are waiting by the phones seven days a week to assist with whatever you need.

To get started on your journey towards financial success today, simply call Max Cash Title Loans at 855-561-5626, or head over to our website to fill out a simple and fast inquiry form. Begin today and you could get your money as soon as the same or next business day!1 5