Can I Get Auto Title Loans While Still Making Payments on my Vehicle?

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When the unexpected happens, you need to make decisions that may be quick, but your decision can be a smart one. But can you get title loans while still making payments? If you are thinking about a car title loan, and are still paying off your car, you may be wondering whether your car needs to be paid off in order to get approved!1The flexible thing about online auto title loans, is that the requirements are extremely lenient. And some lenders may be able to help you out, even if you are making car payments or have bad credit. The answer is yes! It is still possible with some eligibility requirements to get a car title loan!

How Does the Auto Title Loan Process Work If My Car Needs to Be Paid off?


Before applying for a title loan on your car that you are still paying off, it will be helpful to know about the different factors that lenders will look at for eligibility during the loan application. Here is what the important variables are for loan approval during the application process:

  1. Your income— all sources of your income can be looked at by a lender and will be taken into account. The flexible thing is that there are all sorts of income that can be used for a title loan. For example, social security income, awards, etc.
  2. The existing loan on your vehicle / your equity in the vehicle and the value of the car—when applying with a new lender, they will need to know the loan amount that you have left to pay, and factor in additional funds if applicable.
  3. Your ability to repay the loan—to gauge whether a borrower can make their monthly payments, lenders will ask about major expenses.

And so, as you can see, your credit score or credit history isn’t a huge factor for eligibility for vehicle title loans. This is one of the main reasons why people apply for these loans regardless of their credit score.

Still not sure where to begin when looking for a car title loan? Call us today and let the experts at Max Cash Title Loans help you with the search! We are the #1 nationwide online title loan marketplace. We work hard to connect with people with vetted lenders all across the country.5

What do I do with my Existing Loan From the Other Lender?

There are going to be essentially two scenarios when your car needs to be paid off. One being, your car is being financed by either a dealership (making payments), a lienholder, or a private lender. Or you have an existing title loan on your vehicle which means would most likely want a refinance. In either of these scenarios when you want to get a short-term loan, the process can work. Max Cash Title Loans could help you out if you are looking for a title loan on your vehicle that you are still paying off, or owe money on in some other way.1 2 5

Do I Have to Let my Previous Lender Know That I am Applying for Another Loan?

In general, there is no need to do so, when you are simply applying. Your new lender should be able to help you make the remaining payment with your previous lender, and with the title transfer/ lien removal. All title transfers etc. are done through your local Department of Motor Vehicles (DMV). Some lenders may take care of that process for you.

Title Loan Requirements to Have When Applying for Car Title Loans While Still Making Payments

Here are some of the documents that will be helpful when applying for a new auto title loan:

  • A Government-Issued Photo ID (Driver’s License, passport, etc.)
  • Proof of income
  • Qualifying vehicle title
  • Proof of residency
  • Previous loan and lender information (if applicable)
  • Several pictures of your car
  • 3 references (sometimes)
  • Proof of insurance

How Can I Be Eligible for Title Loans While Still Making Payments?

Title loans are secured installment loans that typically offer flexible qualification requirements. The reason for this is that the loan is secured through the borrower’s car title, not solely on credit history. Title loan lenders use the value of your vehicle to determine eligibility or approval of the loan amount that is being requested. Don’t worry about the credit check, these loans are designed for people like you! When it comes to auto title loans, interest rates are also competitive, and we make sure to consider your financial situation every step of the way.1 2 5

When you are applying for an auto title loan you need a source of reliable income! If you can prove to an agent that you can make monthly payments on time, you could be funded within hours.1 2 5 The agent may ask you for proof of income which could require bank statements, invoices, paycheck stubs, tax returns, and more. It will depend on what the lender needs to determine car title loan approval.

If you are ready to begin the process, simply head to the Max Cash Title Loans website and fill out a title loan inquiry, or give us a call/send us a text at 855-561-5626 to get things rolling. You could have your money as soon as the same or next business day!1