Can I Still Get a Car Title Loan if My Car is Old?

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When taking out a title loan, how old your car is may affect the value. A car title loan involves using your car’s title as collateral for the loan. There are a few factors that help lenders determine how much a car is worth, which include how old the car is. If your car is older you are probably wondering if you can use it as collateral for getting a car title loan.

When you need a sizable sum of money in a hurry to take care of an unexpected bill or expense, you might not know what options are available to you to get you out of financial hot water. A car title loan may be just the thing you need! You may even keep driving your car during loan repayment with the help of Max Cash® Title Loans.2 5

Will My Lender Take My Old Car for an Auto Title Loan?

To most lenders, the age of your car does not necessarily determine whether your car qualifies for a car title loan. However, there are a couple of factors most lenders will look at when it comes to determining the value of your vehicle:

  • Condition of the vehicle (age usually contributes to this factor quite a bit)
  • Any existing liens on the vehicle

How Do Lenders Determine a Car’s Value?

There are few other factors, along with condition/age that help lenders determine what your car may be worth:

  • Make
  • Mileage
  • Condition

Most lenders will take these factors and use places like Kelley Blue Book to determine what the value of your vehicle is. So, although age is a factor that helps determine what your car is worth to a lender, the age of your vehicle might not always necessarily hurt your chances of getting approved for a car title loan.

If you have a very old vehicle and are looking to get a car title loan you probably have a few questions. One likely being whether your older vehicle can be used as collateral. Fortunately, the age of your vehicle is not a huge factor in determining that. Other factors include the make, mileage, and condition of your car. These along with the age of your vehicle, all work together to give the lender a good idea of what your vehicle might be worth to them.

Can I Get a Car Title Loan if My Car is Old, Even Though My Car Has High Mileage?

Are you facing a crisis where you need cash fast? A car title loan may work. If your car has been used, you may be wondering if you can get a car title loan even though your car has high mileage. The great news is that even if your car has high mileage, you may still be able to get a title loan on it.

If you are curious about applying for a title loan, contact Max Cash Title Loans today to speak with a loan processor. You can also apply online using a quick application form to start right away.

Understanding High Mileage Title Loans

A higher mileage title loan is a type of installment loan that uses the value of your car, truck, or SUV and offers you cash based on the car’s value. While there are lots of online title loan lenders and title loan companies out there, it important to find the right one for you.

High Mileage Title Loan Requirements

While requirements may vary depending on state laws and loan lender, you may want to collect these documents beforehand:

  • A Government-Issued Photo ID
  • Proof of Residence
  • Proof of Income
  • Your Car’s Title (Free from Any Lienholder)
  • Car Insurance
  • Photos of Your Vehicle and Odometer

Call Max Cash Title Loans Today!

If you’re unfamiliar with short-term title loans, don’t worry! They’re a lot less daunting than they seem. As previously mentioned, auto title loans, also called pink slip loans, the process involves placing a lien on your car’s title in exchange for an amount of money dependent on the value of your vehicle.

One of the best things about a title loan is that you can still inquire regardless of your credit history or concerns about your credit check. Even better, with an online title loan, you never have to leave the comfort of your home to receive approval. Furthermore, as long as you maintain monthly payments on the auto loan, you can continue driving your vehicle!

At Max Cash Title Loans, our team knows that everyone has financial struggles every once in a while, but we are fully committed to helping you get the most from your title loan journey. 1 2 If you have any questions about the auto title loan process, please don’t hesitate to contact us at 855-561-5626. We strive for 100% customer satisfaction!

Avoiding Repossession of Your Vehicle

Without a shadow of a doubt, the single best way for you to avoid repossession by your lender is for you to keep up on your monthly payments. That said, even if you are unable to pay the full amount, any amount being repaid is a good amount. By keeping the money coming into your lender, it will show them that you are making an effort to keep up on your payments.

Even if the amount of money that you pay is just a partial payment, those payments could keep you in better standing with your lender. Lenders will usually repossess a vehicle from a borrower who is lying about their identity or hiding their car. To avoid repossession:

  • Find out if your car title loan lender would be ok with refinancing the loan. That said, this is an option you should only utilize if it will improve your capability of repaying the loan.
  • If you have been able to avoid default, then you still have time to get yourself out of any trouble you are in. Make sure that you do the best you can to get up caught up with your payments.
  • Propose a new repayment plan with the lending company you are already working with. This option may often be cheaper for your lender than going through repossession.
  • Stay honest and open with your lender. Do not lie to them about your current situation. Lying may simply make matter worse, not better.

Are You Eligible for a Title Loan on a Financed Vehicle?

This question depends on the direct lender. The requirements to get a title loan vary depending on the lender. Before choosing a lender, ask if they service title loans on financed vehicles. If the answer is yes, we encourage you to learn more about the conditions of the loan terms. If you feel comfortable with the conditions, then you can also submit a title loan application.

Things to Consider When Applying for a Title Loan if Your Car is Not Paid Off

If you are unsure about whether to apply for a title loan on your financed car, there isn’t any need to stress. Let’s take a look at a few things beforehand to consider helping you make the best possible choice.

Will a Title Loan Provide the Money You Want?

Title loans are great for car owners who need immediate cash. If you need money straight away and are eager to use the equity on your financed car as collateral, a title loan may be a terrific option for you.

Are You Able to Repay a Title Loan?

Beware the consequences of failing to repay an auto title loan on a financed car. Failure to repay a title loan may result in having your vehicle repossessed. Before applying for an auto title loan, be sure to make a clear and concise repayment plan so that you can plan ahead and make your monthly payments on time.

What Are Your Expenses?

You will also want to analyze your expenses. By doing so, you can determine whether an auto title loan on your financed car can help you pay for your expenses. You may also want to evaluate how a title loan might affect your long-term expenses.

What Are the Prerequisites of a Title Loan?

Additionally, review the terms of your title loan agreement. If there is any confusion about any of the title loan conditions, reach out to a lender for assistance. This allows you the opportunity to get the insight you need so that you are able to make an educated title loan decision.

Does a Lender Meet Your Expectations?

Lastly, choose the lender that matches your financial needs. When making a final decision, choose a lender that feels right for you and makes you feel the most comfortable with all facets of the title loan process.

How Title Loans Work with the Help of Max Cash Title Loans2

An auto title loan is a secure loan that’s obtained when a lien is placed on your car’s title. Using the value of your vehicle, as well as proof of income, title loan lenders may determine your capacity to repay a specified amount of money.

One of the best things about title loans is that whether you have a bad credit score or concerns about your credit check, you may still qualify for an auto title loan! Credit is not a significant factor with title loan requirements. Furthermore, as you maintain monthly loan payments, the borrower will be able to keep driving their vehicle throughout the installment loan agreement.

One of the best things about working with Max Cash Title Loans is that we try to find title loans that work for our customers.5 That means no-prepayment penalties, no additional fees, and options to refinance at the same competitive interest rate.4

Benefits of a High Mileage Car Title Loan When Working with Max Cash Title Loans

Our team here at Max Cash Title Loans works hard to make sure that you have the best experience possible. Here are a few of the benefits you may experience throughout your financing journey.

100% Clarity When Working with Max Cash Title Loans

We pride ourselves on having no hidden fees during the title loan process.2 3 Our team of title loan specialists collaborate with you to make certain that everyone has a complete understanding of the loan agreement. This ensures we are able to get you the best possible results.

Unique Loans for Unique Needs2 4

We know that every financial situation is unique in its own right. That is why we work with lenders with flexible loan terms and monthly payment options. 2 4

Excellent Customer Service

Our team strives to treat each and every customer with the care they deserve. We are always happy to help from beginning to end. We want to make sure you feel good about the service you are receiving!

How to Apply for a High Mileage Title Loan

Are you ready to start your high mileage auto title loan application today? This is how the title loan process works:

  • First, you will complete an application online or over the telephone by speaking with one of our loan specialists directly.
  • Next, when your application is complete, a loan processor will call you directly to review your application and discuss your financial needs. During this call, you may also provide additional personal information to process your application for pre-approval. 5
  • When your application receives final approval, a loan specialist will contact you to notify you of the loan amount, as well as the loan terms, monthly payment plan, and various other details about the title loan agreement.
  • Lastly, the only thing left for you to do after that is to determine how you would like to receive your cash! 1 2 With Max Cash Title Loans, and the lenders that we work with, you may choose to receive your title loan amount through a check or direct deposit into your bank account or credit union. 1 2

Let Max Cash Title Loans Help You Get a Title Loan

How Much You Can Get On Your Car Banner

Max Cash Title Loans has experienced loan processors who are friendly, knowledgeable, and constantly ready to give you the assistance you need with all car title loan needs and questions. If you would like to get an idea of what your car may be worth, feel free to use the handy Max Cash Title Loans Car Title Loan Calculator.

If you want a title loan that has your best interest in mind, contact Max Cash Title Loans today.2 5 We’re available seven days a week for your title loan needs, and we also offer a quick online application form to make the process simple. You can also inquire directly about an Auto Title Loan by calling a helpful Max Cash Title Loans representative at 855-561-5626.