Title Loans in Richmond

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Need fast cash but don’t have the best credit history or a bad credit score? Title loans in Richmond, Kentucky could be the solution to emergency cash that you are looking for. Because title loans require an asset they may be a viable to people from all sorts of financial backgrounds. 

Keep reading to find out more about title loans in Kentucky, and on Max Cash Title Loans, the experts on title loans and their lenders. To apply for an online car title loan with Max Cash Title Loans, simply head to our website. 

What Happens with the Car Title Loan Process in Richmond, Kentucky?

When a title loan is taken out, the lender will add a lien to the vehicle title. What this signifies is that the lender has legal ownership of the vehicle, and will prevent from selling or trading in. This lien will remain on the car’s title until the loan is paid back in full. 

Once paid back, the lender will provide you with the necessary paperwork so the lien can be removed. You can finish the process of getting a new lien-free title by heading to your local DMV/ Secretary of State

If My Car is The Asset, Do I Get to Keep and Drive my Vehicle? 

For many people when considering this loan type, the first question to come up may be about your vehicle. For many, the car that they are considering to use for their title loan, is also the primary vehicle that they use on a daily basis. 

The good news is that, as long as you repay your title loan in Richmond, most lenders will let you keep and drive your vehicle. And so, you get to keep the convenience that comes with having a vehicle to use. 

Will There be a Credit Check with Title Loans in Richmond?

Although credit history isn’t an important factor or auto title loan approval, there will be a credit check when applying for a title loan. This is mainly for the lender to check if the applicant is in active bankruptcy.

One of the convenient parts of the process is that a credit check is usually done at the end of the application process, when a borrower is more likely than not to be approved. Additionally, you can also apply for preapproval which will not include a credit inquiry, before deciding to move forward with an actual application. 

Are There Restrictions to How I Can Use Car Title Loan Funds, in Richmond, Kentucky? 

Generally, you can use approved title loan funds for all kinds of expenses! Here are a few emergency situations that people turn to title loans for:

  • mortgage or rent payments. 
  • bills payments 
  • medical bills 
  • vet bills 
  • debt consolidation 
  • car repair 
  • emergency travel expenses 
  • natural disaster relief
  • home repair 
  • groceries and other essentials 

These are just a few ways that that title loans can be used. And so, as you can see they are flexible in many aspects including how they can be used by a borrower. 

What Determines Loan Amount for Title Loans in Richmond? 

Title loan amounts will be determined by a few simple factors: 

a title loan can give you the funds to do what you need
  • The value of your vehicle (you must provide the vehicle title, and have several pictures of the vehicle available)
  • Your income (you must provide proof of income)
  • Title loan amounts can range from a few hundred dollars up to thousands, but you never have to borrow more funds than you need. Many loans companies will give you a rough estimate of eligibility and a loan amount, if you simply ask before going through an application. 

Where Should I Begin When Looking for Title Loans in The Richmond Area? 

Not sure where to begin with your title loan search? Doing the work yourself can be overwhelming and time-consuming. This is where Max Cash Title Loans comes in! We are the #1 nationwide online title loan marketplace. 

We work with all kinds of lenders/financial institutions, who are vetted. When you get into contact with us, we will do that hard search work for you. And if the right lender is found, we can help you with the rest of the process. Our team is knowledgeable, compassionate and transparent. 

Check out our FAQ page which covers many questions that you may have about the process. Or reach out to us 7 days via our telephone number:  and a friendly loan agent will be there to discuss any questions you may have. 

What Are Some Loan Benefits When Working with Our Team?

When you work with Max Cash Title Loans, you can rest assured that you are being connected to the best loan companies on the market. Here are a few perks that could come with a title loan, when working within our network of lenders2

  • Low monthly payments4
  • Extremely competitive interest rates4
  • Loan terms that are flexible4
  • No pre-payment penalties3
  • No hidden fees3
  • Honesty and transparency throughout 
  • Approved funds can be made available quickly1 2
  • A no contact, complete, online title loan process

What Should I Have When I am Ready to Apply?

Here are the documents you will need to have when applying. Gathering them before contacting us can make the application process even faster:

  • A state-issued photo ID. 
  • proof of income 
  • proof of residency 
  • the vehicle title 
  • several pictures of the vehicle 
  • car insurance 
  • 3 references 

What Will the Application Process Look Like When Working with Max Cash Title Loans?

The Max Cash Title Loan process is simple, here is what you can expect:

  • Apply—get into contact with our team, and apply for preapproval
  • Discuss details with a loan agent—talk to an experienced loan agent about what you are looking for with a title loan and send in your documents. 
  • Once a lender is found an application can be completed. 
  • Find out approval—finally once approved for a title loan the funds can be made available!1 2 Pick them up at a local MoneyGram location, have them sent to you in the mail via a check, or even easier have them sent to a bank account. You can use the funds right away after receiving them. 

Apply for a Title Loan in Richmond Today! 

When you need fast cash, there is no time to wait! Head to our website and apply for an online title loan or give us a call! There is no cost to apply, and no obligation to move forward after contacting us! You have nothing to lose by filling out a short pre-approval application. Apply today and get the title loan process started!

Disclaimer: Max Cash Title Loans services this area but this map does not represent an actual location