Do I Need to Have Good Credit?

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Do I Need to Have Good Credit?

One thing that stops many people from getting the financial assistance they need is their lack of good credit. It can be a vicious cycle, as you need good credit to get a loan, but you cannot get good credit unless you borrow money. Luckily, there may be a way around this with the help of Max Cash Title Loans.2 5

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

Not at all.5 While we do still run a credit check on you when determining your pre-approval status for a car title loan through Max Cash Title Loans, we are more concerned with whether you have a source of steady income to repay the loan we could acquire for you as well as what kind of equity your vehicle has.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.5 We want our customers to be able to get the help they need when they need it, so that they may get back on the path to financial success.2 5 Holding someone back due to a low credit score would not be helpful to such a cause.

The only reason that your lender might check your credit is to see whether you have declared bankruptcy in the past, or to see if you are currently in active credit counseling. That said, the lenders we work with understand that your financial problems are why you may need a loan.

With the help of Max Cash Title Loans, credit won’t be the deciding factor of whether you are granted approval.2 5

What We Require for Getting a Car Title Loan

When going in to get a car title loan through Max Cash Title Loans, we do not require that you be able to show us that you have good credit in order for us to work with you.2 We want to be able to help you get back on your feet financially after whatever may have knocked you down.

More often than not, car title loan lenders are more concerned with whether you are able to provide them with documents that include (but are not limited to) the following:

  • A car title to a qualifying vehicle (in your name)
  • Pictures of the car (all 4 sides of it including the VIN and its odometer)
  • A government-issued photo I.D. (driver’s license or your state I.D.)
  • A Social Security card (or a government recognized document that has your name and SSN both listed on it)
  • Proof of income (documents like a paycheck stub, invoices, or a bank account statement)
  • Three personal references (not related to you)
  • Proof of residence (recent mail such as a utility bill)

Vehicle Equity

The equity in your vehicle is one of the key factors in determining whether you will be approved for a car title loan. If your vehicle is newer, in better condition, and has fewer miles on it, then car title loan lenders may offer you approval for a loan because the risk isn’t as high.5

The car being entirely paid off or at least really close to being entirely paid off will also help to increase its equity.

Proof of Income

One of the major factors that car title loan lenders will use in order to decide whether they will grant you approval is whether you have proof of income.5 As long as you have a way to show proof that you have a steady source of income to repay a car title loan obtained through Max Cash Title Loans, having a good credit score may not be necessary.2 5

Your source of income is your good credit when it comes to most car title loans.

Get in Contact with Max Cash Title Loans

Max Cash Title Loans has a team of knowledgeable and helpful loan processors standing by, even after most business have closed, in order to help you out with any car title loan related needs or questions. At Max Cash Title Loans, we want to be there for you when you need our help the most. If you have any questions or you simply want to chat with us, you may contact us by:

  • Calling or texting us directly at 1-855-561-5626
  • Emailing us at
  • Writing to us at 1270 E. Broadway Rd., Suite 208, Tempe, Arizona 85282