How Old Do You Need to Be to Get a Cash Loan?

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A loan is a serious financial commitment. It comes with a great amount of responsibility. While you may be able to apply for a student loan before the age of 18 with or without a cosigner, cash loans that are not federal student loans can be a bit more complicated. So, how old do you have to be to get a cash loan? 

Let’s talk about the requirements to get an auto title loan and your options as a young individual. Max Cash® Title Loans is here to guide you through the ins and outs of acquiring a cash loan!

How Old Do You Have to Be to Get a Cash Loan in Your State?

It’s possible to apply for a cash loan as soon as you are of legal age to do so. So, how old do you have to be to get a cash loan? Well, you must be at least 18 years of age or older.  

However, your options are more limited compared to people who have a stable credit history, good income, and more savings. A cosigner can potentially help you qualify for better rates on various loans, including student, car, and personal loans. 

But, depending on the age of the majority in your state, you may need to be older than 18. For example, you must be 19 in Alabama and 21 in Mississippi to get a title loan.

What Documents do I Need To Get Funded as a Young Adult?

For the pre-approval process, you may need to provide proof of income, proof of residency, a driver’s license as well as a couple of other things. If you are looking to get a car title loan, for example, you will need these documents handy: 

  • Free and Clear Vehicle Title
  • Three references not related to you
  • Insurance (some states require this but not all)
  • Social Security Card
  • Pictures of your car (all 4 sides, including VIN and Odometer)

How Can I Get a Cash Loan Online or Over the Phone?

When an individual is interested in applying for an auto title loan, the amount and the type of loan depend on how much their vehicle is worth. Most lenders will also consider other things for a title loan- like the borrower’s ability to pay back the loan. An applicant’s credit history is considered during the approval process, but it is not the focus. Instead, the amount of equity in a borrower’s car and their income will carry more weight in the inquiry process.

But what happens to your car? Nothing! You get to keep driving your car like normal if you make your payments on time. Once the loan is paid in full, the title returns to you, lien-free. A lien is placed on your car’s title once you sign the agreement. That is because the car title is used as collateral for the loan! 

Can I Apply for a Cash Loan if I Just Got a Job?

If you just got a job, that’s great news! You are taking steps in the right direction. You can ask your employer for an employment letter that specifies how much you make an hour, when your start date is and what the name of the company that you work for is. This can help a lender decide if you will be able to pay back the loan that you take. 

How Long Does It Take To Get Approved for a Cash Loan?

When it comes to how long the process takes, you should be happy to know that most title loans are now accessible online!  These online preapproval forms can be convenient and hassle-free. The next step would be to send all of the documents to your loan specialist. That can be done via email or text for your convenience. The faster you send that information, the faster we can get started on your new auto title loan and get your money. Max Cash Title Loans is here to help qualified borrowers!5

If you are approved for a cash loan, you can get your money in a variety of options:

  • By Direct Deposit into your bank account.
  • By Check.


How Does The Repayment Process Work?

Your repayment terms will be determined by the loan officer and approved by you (if you sign your loan contract). 

If possible, choose to make your payments early, or pay off the entire loan right away. Keep in mind that paying off your loan early is highly encouraged and will help you avoid the risk of defaulting on your loan.3 If, for some reason, you are unable to make your monthly payments, you can call your loan officer and let them know that you would like to review your repayment options. 

Figuring Out If a Title Loan Is an Option for You

There is no single type of loan that’s best for everybody. The decision has to be yours, and we believe it’s important to fully educate borrowers about title loans so they can make an informed decision. Talk to a title loan agent today at 855-561-5626 to learn more about title loans! 

Find out if You Can Get a Cash Loan Today

Now that you know more about how old you need to be to get a cash loan, you may wonder how to apply for one. With Max Cash Title Loans, we can connect you with a network of online title loan lenders! You can potentially get connected to a match that works for you.5 Click here to learn more about title loans and inquire today!