Do I Need a Lien to Get a Car Title Loan?

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If you’ve been researching car title loans, you may’ve heard of something called a lien. They are an essential part of the car title loan process. Keep reading to learn some more about how car title loans work. If you have any further questions, don’t hesitate to contact Max Cash Title Loans. They’re happy to answer any questions you may have about the car title loan process.

Why Do I Need a Lien on my Car Title for a Car Title Loan?

When you use your car title as collateral for a loan, you are promising your car to the lender in the event that you don’t pay them back. In order to ensure that the lender gets paid in the event of a default, they put a lien on the car title. This gives the lender a claim against the car until the loan is paid back. It also means that in the event of the car being totaled in an accident, insurance payout will go to the lender, up to the balance of the loan.

What Do I Need For a Car Title Loan?

In addition to get getting a lien put on your car title, you’ll need a few other things if you want a car title loan. For example:

  • Qualifying Car Title in your name
  • Photos of your car (front, back, and sides)
  • Proof of Income
  • Proof of Residence (Certain pieces of mail)
  • Government-Issued I.D. (Driver’s License, State I.D., Passport, etc.)

Please note, although it says you need photos of your car as part of the car title loan process, this is only in the event that the lender allows you to send in photos of your car in lieu of an in-person inspection. Other lenders require that you bring your car down to their brick and mortar store. Be sure to confirm which your lender requires.

What Can I Use to Show to Proof of Income for a Car Title Loan?

A lot of people think that the only thing you can you use for proof of income is a recent pay stub. However, there are actually a number of other things you can use to demonstrate your ability to pay back your car title loan.

  • Worker’s Compensation
  • Child Support
  • Settlement
  • Alimony
  • Social Security
  • Disability

How may I Figure out the Value of my Car for a Car Title Loan?

Lenders have a number of factors they consider when deciding the value of a car. Some more important ones are:

  • Value of your car
  • Your monthly income
  • Length of the loan

The value of your car determines the largest possible loan you can potentially receive1. It’s calculated by factoring things like the mileage, make and model, exterior and interior condition, year, etc. The amount of money you can afford to pay back each month is calculated using your monthly income. And finally, the size of the monthly payment is determined by the length of the loan. It’s important to note that some states restrict loan lengths. This can affect the range of monthly payments available to borrowers.

Do Car Title Loans Have Hidden Fees?

A reputable lender doesn’t include hidden fees in their car title loan agreements. Instead, they try to give borrowers agreements that are clear and easy to understand. You shouldn’t see things like balloon payments, enormous loan payments due at the end of the loan. Nor will you see prepayment penalties that punish borrowers for trying to pay their loan back early3.

How Do I get a Copy of my Car Title if I Don’t Have One?

If you’re missing your car title, you’ll need to get a new copy. You can do this by going to the DMV and filling out the appropriate paperwork. Some DMVs are even capable of providing an expedited copy of your title. Max Cash Title Loans may be able to point you to the nearest DMV capable of helping you.

What Happens if I Can’t Pay Back my Car Title Loan?

If you’re struggling to pay back your car title loan, it’s critical that you get in touch with your lender as fast as possible. Borrowers that miss too many of their title loan payments run the risk of defaulting and having their car repossessed. Though the exact procedure varies from state to state, there are certain commonalities between them. Some states require that lenders provide borrowers with a notice to cure once they go into default. This informs the borrower that there is a grace period during which they can pay back the entire balance of their car title loan. If the loan isn’t repaid by the end of the grace period, the car is technically eligible for repossession.

Once the borrower’s car is repossessed, it is normally auctioned off to cover the balance of the loan. Depending on the state’s laws, this may be the end of the lender and borrower’s relationship. In some states though, the lender can continue to pursue the borrower if the money the car raised at auction was insufficient to cover the remaining loan balance. In other states, lenders are required to return any excess funds raised to the borrower.

Getting a car title loan can be a great way to cover an unexpected expense. You’ll need to have a lien put on it by your lender. If you have any questions about this or any other aspect of the car title loan process, you should reach out to Max Cash Title Loans. We are happy to help resolve any confusion you may have about anything dealing with car title loans.