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How to get an auto title loan when the title is not in my name

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How to get an auto title loan when the title is not in my name

When obtaining an auto title loan, the title is the single most important document needed since the title is the collateral. One common issue is when a customer either just purchased the vehicle and has yet to switch the title into their name, or when they paid for the vehicle but has the vehicle in someone else’s name. There are a few different ways to resolve this issue. Below, you will find a list of detailed explanations on how to switch the title in your name in order to receive your auto title loan.


Go to the DMV or 3rd party vendor:

This is the very first thought that comes to mind for most customers. However, this may cause an issue when trying to complete the auto title loan. The reason being, is the fact that some states require that they mail in the title which in some cases, can take anywhere between two to four weeks on an average. If this is the case, the easiest way to ensure that you can still receive fast funding without having to wait, is to add the lender as the lien holder at the time of switching, or “flipping” the title. This can be an easy process since you would already be in the process of putting the title in your name. If this is the option that you are going to take your lender will provide you with their “lien holder information” at the time of the switch.


Do a family transfer:

If you had either purchased the vehicle, or have been “gifted” the vehicle from a family member, you can do what is referred to as a “family transfer”. If your lender allows this option, you would simply take the necessary steps in order to do so. This process differs from state to state. One example is in California. On a California title, you would simply have the original owner sign line “1a” on the front of the title, the new owner would then sign line “1b” in the same section. Next, the original owner would sign and date the bottom right corner of the front of the title. After the front of the title is completed, you would then flip the title over and the purchaser would fill out the “New registered owner” section on the top portion of the back of the title with their name, address, date, driver license number, and purchase amount. If the vehicle has been gifted to the new owner, you would simply write “gift” in the purchase amount section.  This would complete your family transfer in the state of California.

*This may not be an option with certain lenders as well as certain states


Fill out a 227 form:

This option is for California only. A 227 can be used for a lost or stolen title. This is a very simple form to fill out to act in place of the title. To correctly fill out a California 227 form, you would need to fill out section 3, and section 5 only, sign the document, and have it notarized. In California, a lender can accept this as the title to your vehicle since they will be able to fill out the “lien holder” section on the 227 form in order to perfect the lien through the Department of Motor Vehicles.


Have the lien released:

The two ways to release the title is to either have the original owner released through the DMV. The other option is to obtain a notarized lien release from the original place that you had purchased, had been “gifted” the vehicle.


Get a same day title:

Now, this option is only available in certain states such as Arizona and South Carolina. If this is an option in your state, you would simply go to the local DMV, or 3rd party vendor, and purchase a new copy of your title. If your state does not offer a same day title option, ask the agent at the department if they have an “expedited” option. If this is an option, they will usually charge an extra fee in order to get the title to you in just a few short business days.


Check your local DMV for the typical cost of switching your title as well as “same day”, or “expedited” title options:


Arizona –

California –

New Mexico –


MaxCash title loans is not your typical auto title loan processing center. We are not just interested in getting you to sign a contract and get you out the door. We have built our reputation on creating a business professional, yet comfortable approach in the auto title loan industry. We work very closely with our customer taking them every step of the way from the stress of waiting for approval all the way to the relief of getting you the financial assistance that you need. Our amazing customer service does not end the second you sign your contract and obtain your funds. Our doors are always open and our ears are ready to listen if a customer needs any type of assistance, even after the completion of the auto title loan. We are the auto title loan with a personal touch, and we intend on holding true to that motto as long as we are in business.

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