What Documents Do I Need for a Title Loan?

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If a title loan is an unfamiliar resource to you, then you may have some questions, like:

What is it? What documents do I need for a title loan? Auto title loans are short-term loans in which the borrower’s car can be used as collateral against the debt.

These types of loans can also be for individuals that have been denied elsewhere and need a helping hand regardless of their financial background. We love to make a difference in the lives of the people we serve. You can easily learn all you need to know to get pre-approved with Max Cash® Title Loans.5 

How Does the Qualifying Process Work?

When an individual is interested in applying for an auto title loan, the amount and the type of loan depend on how much your vehicle is worth. Lenders also consider other things, like the ability to pay back the loan and your credit score. But what happens to your car? Nothing! You get to keep driving your car like normal if you make your payments on time each month. Once the full payment of the loan is complete, the title returns to you.

What Documents Will I Need for a Title Loan?

Not sure what documents you will need for a title loan? For the pre-approval process, you may need to provide proof of income, proof of residency, a driver’s license as well as a couple of other things. For example: 

  • Free and Clear Vehicle Title
  • Three references not related to you
  • Insurance (some states require this but not all)
  • Social Security Card (or a Document on which your name and SSN both are listed)
  • Pictures of your car (all 4 sides including VIN and Odometer)

Is a Title the Most Important Document I Need for a Title Loan?

The status of the title will also matter when someone is looking to qualify for an online auto title loan. In most cases, an applicant needs to have a car that is fully paid off with no other liens on the title before they can be approved for a loan. However, if you are close to paying off your car, it may still qualify as collateral.5

By law, you are not allowed to offer security on an asset that you do not rightfully own. A title is a legal document that shows ownership and that document must be accurate for any lender to proceed with an auto title loan. If someone else’s name also appears on the title in addition to yours, there are some things you will need to verify:

  • If your name is listed on the title with the word “and” separating your name and the other’s, you may still be able to be considered for a loan, so long as the other owner submits their documentation in addition to your own during the approval process.
  • When your name is listed on the title with the words “or” in-between, the other person is not required to submit their information for you to be considered for a loan.
  • The name on the title should match the name on your driver’s license. 

What if I Don’t Have Everything I Need? 

That is not a problem, for the most part, our skilled representatives at Max Cash Title Loans can find ways to help you get the right documents you need. Although, it is important to have at least a title and a source of income, and a bank statement. If you don’t, give us a call and we will see what we can do to assist you. 

Is Good Credit Needed for a Title Loan?

Now that you know what documents you need for a title loan, you may be worried about your credit. Do not worry if you have bad credit, okay credit, or even no credit.5 Our skilled representatives will look for a lender that is right for you and your long-term financial solution!5 Your credit history will not be a huge factor when determining eligibility. Your history is not the most important part of the loan. Instead, lenders will focus on the value and condition of the vehicle that is being used to secure the cash, as well as the repayment evaluation.

Max Cash Title Loan Benefits 

Max Cash Title Loans has helped people across the United States for years. There are many benefits to getting an auto title loan using Max Cash Title Loans. A great deal on an auto title loan starts by going through us and our network of trusted lenders! We may be able to help: 

  • Pay for a down payment for a family home
  • Cover unexpected medical expenses
  • Cover immediate home repairs
  • Condense Debt
  • … and much more!

Auto title loans may help you do everything from getting your finances back together to helping you establish a better budget. When you’re working with Max Cash Title Loans, you can potentially achieve or rebuild your financial dreams!5