What Kind of ID Do I Need for a Title Loan?

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Are you struggling to get your hands on the emergency funding that you need? If you are, you would not be the only one. It can be incredibly difficult to find the proper funding that you need on short notice. This is especially true if you don’t have the most pristine credit score. But what kind of identification or ID do I need for a title loan?

Going through the long and arduous process of applying for a loan only to be denied in the end based on a simple number that is so hard to improve can be so frustrating. 

At Max Cash Title Loans, we believe everyone ought to have the opportunity to improve their credit score.

Before you decide whether a title loan is the right choice for you, it’s a good idea to read up on everything you need to know. This includes what the requirements are, what kind of ID you need for a title loan, and how you might go about finding the right lender for you. 

What Is a Title Loan?

A title loan is a particular type of secured installment loan that utilizes the equity value found in your personal vehicle as collateral for the amount of money borrowed. Since title loans are secured rather than unsecured like many other personal installment loans, it makes it possible for borrowers to be approved regardless of a less than perfect credit score or even a past bankruptcy.

This can be extremely helpful for individuals who need some quick funding and have a car with a decent amount of positive equity in it. The requirements for a car title loan tend to be pretty straightforward. 

All you need to qualify is to fill out an online inquiry form with some basic information. Secondly, you will need to provide some important documents. This includes things like identification and your car’s title. 

Why Is Identification Needed?

Some form of official identification is necessary to obtain a title loan for several reasons. A title loan lender must ensure that you are who you claim to be on your loan application. Secondly, they must confirm that you are at least 18 years of age or older. 

Thirdly, title loans are not currently available in all of the states in the U.S., so it is necessary that you show that you are a resident of the state in which you are attempting to get a title loan. Lastly, an official government-issued identification can help confirm this, along with some additional proof of address. 

What Kind of Identification Do I Need for a Title Loan?

You might be wondering, “what kind of ID do I need for a title loan”?

A qualifying identification for title loan approval will need to be government-issued and have photographic identification. This includes many different kinds of IDs. Any of the following would be acceptable for your title loan application:

  • Driver’s License
  • A Non-Driver State Photo ID
  • U.S. Passport
  • U.S. Passport Card
  • U.S. Military ID
  • U.S. Permanent Resident Card
  • Tribal ID

What Are the Other Requirements for a Car Title Loan?

There are a few other crucial documents that you will be asked to provide within the process to obtain a title loan. However, to make it even more convenient for you these can all be sent in digitally through scans or clear pictures with your smartphone. 

These are the other required documents you will likely be asked to provide:

Proof of Residence:

To confirm that you live in the state in which you are obtaining a title loan you will need to provide proof of residence through a household utility bill, a bank statement, credit card statement, your lease agreement, or a certificate of voter registration. 

Proof of Income:

In the qualification process, you need to show your ability to repay the loan in monthly installments and you can do this through proof of income documents. You can use any number of things for this including pay stubs, billing invoices, tax documents, social security statements, etc. 

Title of Your Car:

The title of ownership to your car must be in your name to show your vehicle is owned by you. It also must be completely free and clear so that the lender can place a lien on it when the time comes.

Pictures of Your Car:

During the inquiry process, you need to provide pictures of your car. It is best to take these in full daylight for the best results!

A Few References:

You may also be asked for a few references. These can be either personal or professional to verify that you are reliable and of good character. 

Benefits of Working with Max Cash Title Loans

With Max Cash Title Loans, the customer is always the number one priority. Our goal is to make the steps of the lending process a good experience from finding the right lender to being successful in paying off your loan. 

We are committed to using our in-depth knowledge of the title loan industry to get you better deals and more competitive rates so you can rest easy knowing you are set up to succeed to reach that brighter financial future. 

You can easily see if you pre-qualify today by filling out our simple online inquiry form. Seeing if you pre-qualify requires absolutely no obligation and is completely free! Allow us to connect you with a lender that can get you the emergency funding that you need as quickly as the very next day after qualification.