Does My Car Title Need to Be in My Name to Get a Title Loan?

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A common question for title loan customers is, “Does my car title need to be in my name to get a title loan?” To be eligible to apply for a title loan, the car title must be in your name. However, there is good news.

While the title does need to be on your name, if it currently is not, it is possible to change the title to be in your name. Following that change, you can then apply for a car title loan to get a cash advance based on the value of your car. Along with that a title loan lender may be able to workaround an existing loan on your vehicle.

If you’re considering an auto title loan, but still have questions, please contact Max Cash Title Loans today. We’re available seven days a week for your car title loan questions. If you would like to start on your online title loan application today, fill out a brief inquiry form to start the title loan application process immediately!

Reasons Why a Car Title May Not Be in Your Name

As previously mentioned, to be eligible for a title loan, the vehicle car needs to be in your name. Now, why would a vehicle title not be in your name in the first place? Well, there are several reasons:

  • Paying off an auto loan amount
  • If your name appears alongside someone else’s name

Let’s take a more in-depth look at a few more reasons why a vehicle title may not be in your name:

Inheriting a vehicle from a family member

If you inherit a vehicle, the process can be somewhat difficult, particularly if the car is part of an estate sale. If this is the case, you will want to contact your local probate court as the title cannot be transferred until the probate is complete. From there, you will need several additional documents such as the order from the probate court to transfer the vehicle and certification of the title, as well as the transfer fee to complete the process.

However, if the vehicle was not part of an estate sale, call your local DMV office and ask what the rules and regulations are in your state. For the most part, this process should be relatively simple, but every state will have different requirements that you will need to fulfill.

Purchasing a vehicle or receiving a car as a gift

If you are purchasing a vehicle or receiving it as a gift from a family member, they will need to transfer ownership to you. This is a process in which your local DMV office will need notice within ten days of the transaction. Once this action has taken place, the title will be in your name, and you will receive complete ownership of the vehicle. Additionally, keep in mind that the rules and regulations for this process vary depending on your location.

It is best to check your local DMV office to determine what the rules and regulations are in your jurisdiction.

What If I Lost My Vehicle Title?

If you have your vehicle title, but it has suddenly gone missing, no worries! The good news is this document is replaceable if you go through the proper channels.

To receive a new copy of your title, you will need to complete a REG 227 form. You will also need to have this form notarized and signed by you. While this form may not be the same as your original vehicle title, it can legally function in the title’s place to prevent any problems down the road.

How to Get a Vehicle Title in Your Name

If you would like to get the vehicle title back in your name, there are a few steps you will need to follow.

Here is what you will need to do to move car ownership to your name:

  • Stop by your local DMV office (Department of Motor Vehicles) office to transfer the car ownership to your name.
  • Provide a valid form of identification, such as your driver’s license.
  • When you go to the DMV, be sure to also provide them with a valid form of identification such as your driver’s license. Depending on state laws, you may also need to provide additional.
  • Additionally, you will likely need to pay for registration fees, so make sure to look at those in advance.
  • Once the DMV records show you as the motor vehicle owner, you will be able to apply for a car title loan!

How to Apply for a Title Loan with Max Cash Title Loans

If you need cash fast and have nowhere else to turn, Max Cash Title Loans may be able to help.2 A title loan is a type of short-term loan that uses the title of a car as collateral for a loan amount.

While some lenders do a credit check as part of their loan process, bad credit scores or good credit scores may not have a significant impact on eligibility.  Furthermore, we can also help you find title loans with competitive interest rates, refinancing options, and no prepayment penalties or hidden fees. 3 4 Unlike other financial institutions and title loan companies, we rely on honesty and transparency with our lenders and loan terms.2

If you would like to start your hassle-free online application today, we only need a few pieces of information to begin the process.

Although the loan process may vary a bit between lenders, to apply for a title loan, you may need the following:

  • A lien-free vehicle title free from any lienholders
  • Government-issued photo ID
  • Be at least 18 years of age
  • Proof of Income
  • Proof of Residency
  • 3 References
  • Valid car insurance
  • Pictures of your vehicle

That’s it! With us, the process is simple and straightforward. After you submit your information, you could have the quick cash you need in as little as one business day! 1 2

Start Your Title Loan Application Today

Title loan on 2009 Infiniti FX35

At Max Cash Title Loans, we dedicate ourselves to making sure that the title loan process is more straightforward than ever before. With our staff of loan specialists, we’re available seven days a week for your title loan needs.2 Give us a call today or start your online application today to get the cash you need when you need it! 1 2