Do I have to have My Car Titled in the State I live?

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Everyone faces an unexpected bill at least once, but what happens when you can’t afford it? You may be considering getting a car title loan. Not all states allow borrowers to cover their emergency expenses with a convenient title loan. This leads many people to wonder if they have to have their car title issued in the same state where they currently live to apply for a car title loan. Keep reading to learn the answer to this question, as well as many other common car title loan questions, provided by Max Cash Title Loans.

Can I Use a Car Title from a Different State for a Car Title Loan?

Your car title doesn’t need to be registered in the same state that you are currently getting a car title loan in. This means that if you live near a state with better car title loan terms, lower interest rates, you are free to get a car title loan in another state. Be sure to check and see if there are any other differences between car title loans in your home state and the state you want to get your loan in.

Can I Get a Car Title Loan if I Don’t Have My Car Title?

Even though you could get a car title loan in a state your car title isn’t registered in, you’ll still need a copy of your car title in your name. If you don’t have your car title, you’ll need to get a new copy from the DMV. Some DMV locations are even able to provide you with an expedited copy of your car title. If you’re having trouble locating the nearest DMV that could help you, the helpful staff at Max Cash Title Loans may be able to direct you to the nearest DMV capable of providing you with an expedited title. In some situations, we could help you directly with your car title.

What Else Do I Need if I Want a Car Title Loan?

There are a few other documents you will need in addition to having your qualifying car title in your name when you apply for a car title loan. For example:

  • Photos of the front, back, and sides of vehicle
  • Proof of residence (certain pieces of mail)
  • Proof of income
  • Government-issued photo I.D. (driver’s license, state I.D., etc.)

 

See that photo requirement? Not every lender has it. Lenders that don’t ask for photos will ask that you bring your car down to their storefront so they may examine it in person. Lenders need to examine your car to help determine how much they are able to lend you.

What Could I Use as Proof of Income for a Car Title Loan?

Don’t think that the only document you could use to show proof of income for a car title loan is a recent pay stub. There are a number of great ways you could demonstrate your ability to pay your loan back:

  • Social Security
  • Inheritance
  • Annuity
  • Settlement/Court-Ordered Award
  • Workers’ Compensation

Can I Get a Car Title Loan if I Don’t Have My Car Title?

You will need a copy of your car title to get a car title loan. If you don’t have one, you’ll need to get a new copy from the DMV. Depending on the DMV you go to, they may be able to expedite the new copy of your car title. The helpful staff at Max Cash Title Loans may be able to direct you to the nearest DMV capable of assisting you with an expedited title. In certain circumstances, they may even be able to help you directly with your new car title.

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

Borrowers who fail to make the payments on their car title loan run the risk of having their car repossessed. Each state has their own specific procedures that lenders need to follow, but they are generally the same. When a borrower misses enough payments to go into default, the lender may be required to send them a right to cure notice. This informs them of any grace period they have during which they could repay the entire loan. Once any applicable grace period elapses, the borrower’s car is eligible to be repossessed by the lender.

Once the lender has the car in their possession, they normally auction it off in an effort to recoup the outstanding loan. Sometimes this is the end of the relationship between the lender and the borrower. In certain states, if the auction doesn’t raise enough money to cover the loan, and any associated fees, interests, etc., the lender could continue to pursue the borrower for payment. In other states, any surplus from the auction must be returned to the borrower.

Now that you know you could get a car title loan even if your car isn’t titled in the same state as your car title loan lender, decide if a car title loan is the right way for you to resolve a current unexpected financial dilemma. If you have any other questions, the friendly customer service representatives at Max Cash Title Loans are happy to help you resolve any confusion you may have.