Can I Get a Title Loan if the Title Isn’t in My Name?

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What would you do if you found yourself in need of money in an emergency? Would you borrow from friends? Would you sell something valuable? What if neither of those were an option. Have you ever considered a car title loan? Max Cash Title Loans can help answer any questions you may have about the process. You won’t be able to get a car title loan if your car title isn’t in your name, but read on to learn how you can get the name on your title changed, as well as the other things you need to know for a car title loan.

How Do I Change my Car Title to my Name?

The requirements for changing the name on a car title vary from state to state, but there are a few things that are generally required in most places. The person whose name is on the car title must provide the title to the new owner. Sometimes this also involves filling out a section of the title. Then you’ll need to take the title to the DMV and fill out some paperwork. And finally, you’ll need to pay any associated fees with the transfer. Once you’ve got your new car title, you’re ready to start the car title loan process!

What Do I Need for a Car Title Loan?

Before you apply for your car title loan, you’ll need to assemble a few different documents:

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

What if I Don’t Have a Copy of my Car Title?

If your problem isn’t that the title of your car is not in your name, but that your car title is missing, you need to get a new copy from the DMV. Some DMVs may even be capable of providing you with an expedited title. Max Cash Title Loans may be able to direct you to the nearest DMV capable of expediting your new car title. Depending on the circumstances, they may even be able to assist you directly with your car title.

How Much Can I Get for my Car Title Loan?

There are a few things that influence how much money a lender may give you for your car title loan1.

  • Value of your car
  • Your monthly income
  • Length of the loan

The factor with the largest influence is the value of your car. Some lenders require an in person inspection to assess the condition of your vehicle. Others just use photos. The condition, along with the age and mileage, determine the value of your car, and how much a lender is able to give you for your loan. Your monthly income is used to calculate the amount you can afford to pay back each month. The length of the loan sets the size of your monthly payments. This may influence the amount of money you can get because some states limit the duration of car title loans.

What Can I Use for Proof of Income for a Car Title Loan?

While a recent pay stub is one of the more common ways of demonstrating ability to repay a car title loan, but it’s not the only way. Some other common ways are:

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

Do Car Title Loans Have Hidden Fees?

Reputable lenders do not include hidden fees in their loan agreements they strive to produce loans that are simple and easy to understand. In addition to being happy to answer borrower questions, reputable lenders avoid including things like balloon payments or prepayment penalties in their loans; meaning you’ll never be required to make a large payment at the end of the life of your loan, nor will you be punished for paying your loan back early3.  Regardless, it’s essential that you review your loan agreement and ask your lender to clarify anything that you don’t understand.

Can you extend the Terms of Your Car Title Loan?

Depending on the state laws and the lender, it may be possible to extend the duration of a car title loan. While some states limit borrowers’ ability to roll their loans over, others do not. If able, lenders may be willing to extend the terms of your loan. This usually happens at the end of the loan and involves rolling any remaining balance into a new loan. While there may be fees associated with this, it will give you the entire new duration of the loan to finish paying down the balance.

What Happens if I Can’t Pay my Car Title Loan Back?

A borrower that defaults on their loan runs the risk of having their car repossessed. The details will vary from state to state, but generally the process looks similar. Once the borrower has missed enough payments to go into default, the lender may or may not be required to send the borrower a right to cure notice, stating that they have a grace period during which they can repay the entire balance. If the borrower fails to pay, their car is liable to be repossessed. If this happens, their car will be auctioned to cover the balance of the loan.

Finding yourself in need of emergency money can be quite stressful. Max Cash Title Loans is on hand to help borrowers find the car title loan that fits their needs2. You’ll need to get your car title changed if it isn’t in your name, but Max Cash Title Loans can help you find the answers to any questions you may have about how to do it. They can also help connect you to lenders eager to compete to give you a loan1. If you are interested in a car title loan, contact Max Cash Title Loans today2!