Does my Car Need to be in my Name to Get a Title Loan?

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If you are thinking about getting a car title loan, but your name is not on the title, you may be wondering if you can do so. In general, your car will need to be in your name to get a title loan, however, there are a few exceptions, such as being married to a person whose name is on the title, and sometimes even existing loans on the vehicle’s title. 

When working out the details of an auto title loan, let the experts at Max Cash Title Loans help you out. We are here 7 days a week to answer any questions that you may have about the process. If you are ready to apply for a title loan, we could also help connect you with a title loan lender.

Below you find more details on applying for a title loan when your car is not in your name at the moment. 

Having You Vehicle Title Car Under Your Spouse’s Name 

When your spouse’s name is on the car’s title, you may still be able to apply for a title loan. However, your spouse will have to be on the documents and will also be held responsible if the loan cannot be paid. 

Many households may share a vehicle, and may all need emergency funds and so, it is not unusual to apply with your spouse or simply have your spouse apply for the loan. 

Having an Existing Loan on Your Vehicle 

If you are currently paying off an auto title loan or an auto loan, then your loan will have a lien on the car’s title. In other works, the name of the lienholder will be the lender. 

The good news is that there are lenders out there that may be able to help you even if you have a lender’s name on the car’s title. 

The way this works is that the new loan will be used in order to pay off an existing loan, and then the new lender will now have a lien on the car’s title. Any additional funds from the exchange can be used by the borrower. Once the new loan is paid back, it can be transferred back to you. 

How do I Add my Name to the Vehicle?

If you have just bought a car, or have paid it off, great! Now you can have the title transferred under your name. 

Depending on the state that you live in, there are a few documents that you will need to have with you, including a lien release if applicable. Check your local Department of Motor Vehicles (DMV) page for specifics. From here you can complete the title transfer online, or in person. 

Once the paperwork is complete you will receive an updated title with your name and other updated information on there. 

How Max Cash Title Loans Can Help when Looking for Title Loans?

Regardless of whether your name is on the title of the vehicle or not at the moment, the best place to start when looking for a title loan. We are the #1 nationwide online title loan marketplace. We can do all the time-consuming work of finding lenders, and even figuring out paperwork for your local DMV. 

In addition to our hassle-free title loan process, there are a few unique benefits that can come from our network of handpicked lenders: 

  • A fast application process. 
  • Low monthly payments with these installment loans4
  • Highly competitive interest rates4
  • Flexibility with loan terms (short term or longer terms) 4
  • No prepayment penalties3
  • No hidden fees3 
  • Apply regardless of credit history or a bad credit score.
  • Use the funds for all kinds of unexpected expenses and financial needs.
  • A completely online application 
a car title loan is a great way to get some extra cash, title loan cash, car title loan cash, fast cash

What Documents Do I Need for a Title Loan?

When applying for these secured loans, it will be helpful to have a few important documents with you: 

  • A state-issued photo ID (driver’s license, passport, etc.)
  • Proof of income (pay stubs, bank statements, letters of income, award letters, etc.)
  • Vehicle title (does not have to be lien-free) and vehicle registration. 
  • Proof of residence (bank statements, current mail, lease, etc.)
  • Several photos of the vehicle (license plate, front, back, sides, interior, etc.)
  • Proof of car insurance (an insurance card will suffice)
  • 3 references (shouldn’t be family members) 

Even if you don’t have all these documents, do not hesitate to apply! The lenders we work with are flexible and may be able to work with you even if you don’t have all the documents. 

Keep in mind there will be a credit check with the process, but because of how title loans work, the value of your vehicle, and income will determine eligibility and loan amount. 

To learn more about car title loans and our process check out our FAQ page. 

Apply for a Title Loan Even if Your Car is Not in Your Name!

Even if your car is not under your name, you may be able to get a title loan. It just depends on the specific situation. Regardless of what position you find yourself in contact Max Cash Title Loans. We can let you know eligibility quickly, and once approved you could get the funds in as little as one business day.1 2 5

To get the ball rolling with potential loan options call or text our phone number at (855) 561-5626. Or fill out a title loan application online. Get started right away!