Does My Car Need to Be Paid Off to Get a Title Loan?

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When you are in the process of paying off your car, you might by some unfortunate stroke of bad luck get into a financial jam and need a bit of help to get yourself back on your feet again. However, car debt you still have to pay off could end up being a bit of a hindrance in obtaining a car title loan. But all is not necessarily lost! Let Max Cash Title Loans guide you through the process.

Does My Car Need to Be Paid Off to Get a Title Loan?

There is no universal answer to this question. It really depends on the individual car title loan lender, as each lender has different policies regarding the current payment status on a car and issuing a car title loan.

Some car title loan lenders may not be willing to provide a car title loan if the car hasn’t been fully paid off. However, some lenders might be more willing to issue a car title loan under certain conditions. Often times, a willing lender will only give out a car title loan if the inquirer is down to their last payments and the car is a newer model.

Why is This Possible?

Though it does come down to the individual car title loan lender’s policies regarding a financed vehicle, there are many reasons they may still grant approval for a car title loan. Car title loan lenders may be willing to provide you with a car title loan because:

  • There could still be a significant amount of equity in your vehicle even if you are still financing it.
  • A car title loan is based on the equity of your vehicle, not on the payments that are still remaining on it. The borrower needs to possess a vehicle with a higher value in order for them to acquire the maximum loan value.
  • Some car title loan lenders may be able to assist you with obtaining money in an emergency and fully paying off your vehicle.
  • If you still have payments left to make on your vehicle, the loan amount could potentially be increased so that the car title loan could cover the remaining payments. This could help you pay off the remaining balance so that you could use your car’s title as collateral in a car title loan.

Why They Do It

There are plenty of reasons why a car title loan lender could approve an inquirer for a car title loan despite having a financed car, but four of the most prominent reasons are:

  1. Any remaining payments are taken into consideration when the car title loan lender is deciding on the amount they may offer for the loan.
  2. A title lender evaluates the equity in your vehicle based on the model, make, and its condition. Keeping these qualifying factors in mind, they determine what amount of money you could be qualified to borrow.
  3. You could continue driving your vehicle while you are repaying your car title loan. Car title loan lenders understand that inquirers need reliable transportation to and from a wide variety of important places. Doing this is beneficial to the borrower and lender alike because it would be rather counterintuitive for the lender to take away the borrower’s main mode of transportation to work.
  4. Based on your car’s current equity, many lenders may offer you the absolute max amount of money they are able to in order to get you back on your feet.

Do Not Delay, Talk with Max Cash Title Loans Today

If you have any questions involving a car title loan you are currently paying, interested in taking out, or you simply need to get a hold of us for any other reason, you may contact Max Cash Title Loans 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