I Have Extremely Bad Credit, Can I Still Get a Title Loan? 

Let's get started

Get your cash today by filling out this form or for instant pre-approval call (855) 561-56262

  • 1
    Car Information
  • 2
    Your Information
  • 3
    Free Estimate
By Submitting the application, this is my express written consent that I certify that I am a US resident, at least 18 years of age and authorize this website, business owned by this site, lenders and/or their affiliates to contact me about my account by phone, automatic dialer, text message, voicemail messages, pre-recorded messages, mail, or email, and give information concerning this transaction to others if it is required to originate, fund, collect, or service my Account. I also certify that I agree to the terms of this websites Privacy Policy, Terms of Website Use, Consent to Electronic Disclosures, and Wireless Policy and that my consent is not condition of a purchase.

Application Submitted

For Fastest Service Call Us Now!

855-561-5626

Thanks for Applying

Congrats! We received your application. You might need car insurance for your loan. Click here to compare rates.

Click to Find Insurance

Application Submitted

While we process your info we recommend also applying for a personal loan or credit card to get more money!

Click Here

Thanks For Applying!

We don't offer title loans in your state might be able to help with a personal loan or credit card.

Click Here

Thanks For Applying!

We got your application. If you need immediate cash try a personal loan or credit card offer and we will call you 1st thing in the morning.

Click Here

Thanks For Applying!

We have found a great match for Car Financing!

Get My Financing

Calculator

Want to know how much your payments will be? Use our title loan calculator to find out.

Max Cash Calculator
Big Phone Icon - Transparent and Black

Instant Pre-Approvals

Call us anytime seven days a week for instant pre-approvals! 2

(855) 561-5626

A credit score can determine a lot about a person. Credit scores reflect how often a bill is paid on time, dependability, and more! A car title loan is a secured loan that does not require a high credit score for an applicant to receive approval.5 

Max Cash Title Loans offers years of experience, helpful customer service, and the chance to connect borrowers with a great deal on a loan.5 Even if you aren’t confident with where your credit score is at, find out if you can qualify for the help you need!

If I Have Extremely Bad Credit, Will I Qualify for a Title Loan?  

Bad credit may seem like a huge problem, but it doesn’t have to be! When you apply for an auto title loan, a vehicle’s title is required and acts as collateral for the loan. Therefore, car title loans are safe or secured against the value of your vehicle. A percentage in the equity of a qualifying car may qualify as funding from car title loans, with the lender acting as the lien holder. As long as you keep up with the payments of a vehicle, you can freely drive your vehicle as you please. 

Car title loans are for individuals that have bad credit. Auto title loans are secured loans that can help you access fast funding.5 

Do I Need Good Credit to Get a Loan With Max Cash Title Loans?

When applying for a pre-approval status for a car title loan through Max Cash Title Loans, we are more concerned with:

  •  Whether You Have A Source Of Income To Repay The Loan 
  • The Amount of Positive Equity Available in Your Vehicle.² ⁵ 

If your vehicle has a good amount of equity, it is more likely that we will be able to get you a good title loan deal. ⁵ We want our customers to be able to get the help they need when they need it. We do our best to create a path to financial success for our customers.² ⁵ 

How Does Collateral Help Me Apply for a Loan?

Since you’re securing your loan with an asset, collateral loans are typically less risky for lenders. This means auto title loans are collateral loans, since your title will be used to secure the cash. A lien is placed on the collateral throughout the duration of the loan until it is paid in full. The lien is removed after the final payment! 

How Can I Apply for a Title Loan Online with Extremely Poor Credit?

Many lenders have switched to the digital age of technology. In most cases, that means they have streamlined their process by having inquiries and online forms available through their website to make car title loans hassle-free. Although it may be just one of the many bad credit loan options, car title loans can be a great way to get emergency funding, especially for those with unique credit that may not allow them to get any other loan.5 

How Can I Improve My Odds?

You can potentially still qualify for an auto title loan with bad credit, but you’ll get the best deal if you do some homework.5 Start by checking your credit report, budgeting for your loan payment, and Choosing a company that works for your best interests. 

1. Check Credit Report 

Obtain your credit report to check for errors and identify areas of improvement. If you find errors, fixing them can improve a low credit score, allowing you to qualify for lower interest rates. You can also identify areas to improve in your credit history, such as paying off a collection account or paying down a revolving credit line that exceeds 30% of its limit. If you find errors, act fast, as dispute resolution can take up to 30 days.

2. Budget The Loan Repayment

Figure out how much you need to borrow, and a plan to make all of your payments on time can be beneficial. A budget should include basic living expenses, savings goals, and credit card debt payments, plus your loan payment. Consider your loan amount and repayment period when deciding what you can afford. The longer you have to repay the loan, the more you will pay in interest. 

3. Make The Right Decision

Getting an auto title loan is a big decision, and that is why Max Cash can help you through the process. If you have any questions or concerns, loan specialists are happy to help! Call 855-561-5626 to learn more.

4. Repay The Loan

Some lenders offer to fund as soon as the next business day. After your loan funds are disbursed, you will become responsible for making payments. Make on-time payments to avoid late fees and negative effects on your credit history. Delaying payments will result in paying more interest and increase the cost of your loan.

How Do I Prove Income for a Title Loan? 

There are several ways that one can show proof of income:

  • Paystubs
  • Bank Statements
  • Invoices
  • Letter of Employment
  • Tax Information

Bad Credit Title Loans and Income

Income is a critical factor in car title loan eligibility. Looking at income, lenders determine whether a borrower can realistically pay back their loan and the interest it acquires. Remember that most title loan payments occur monthly, so most places will ask for monthly income.

Why Go to Max Cash Title Loans, If I Have Bad Credit?

At Max Cash Title Loans, we are not a title loan lender. Instead, we are a free service that can potentially match you with reputable title loan lenders all across the country. ⁵ When it comes to finding a title loan, variety may be the best way to go about it. We know and trust our lenders, and we have hundreds of them. Even if a person has bad credit, we may be able to find a lender that may want to work with them. ⁵ We can also save people tons of time by searching for them. Despite any bad credit history, we would be happy to talk to you about title loans: send us a text or call at 1-855-561-5626 or visit us in person.5