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If you already have a title loan that you are repaying. Or if you are in the process of applying. you may be wondering if you can get a second title loan. Although an individual can only have one title loan out at a time, you could get a second after paying off your first! Additionally, another person in your household may qualify for funding. And this could mean a second title loan for the household. 

No matter where you are at with the search process, start with Max Cash® Title Loans! At Max Cash Title Loans we make it easy to connect with lenders all across the country.5 Whether you are applying for a title loan for the first time, or the second time, we are the best place to start. Reach out to us by giving us a call (855)-561-5626 or head to our website and fill out an online application. Keep reading to learn more about the process. 

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How Do Title Loans Work? 

Knowing a little bit more about how these loans work, may help you better understand why an individual can only have one title loan at a time. 

Title loans are secured with the borrower’s vehicle, and so, when they are taken out the lender will have legal ownership of it. This prevents from selling the vehicle or using it for another loan before the initial loan is repaid.

How Soon After Paying Off My Car Title Loan Can I Apply for Another? 

Once you finish making payments on your title loan, you should get ownership of your vehicle again. In most scenarios, your lender will attach a title release to your car’s title and return it to you, or they will begin the steps of an electronic title transfer. Either way, you will then have to head to your local DMV to get a new title without the lien. Why is this last step important? Having an existing lienholder on your vehicle title will mean that you cannot get a second title loan on that vehicle. A clear title is required when you apply for another title loan. 

Once your initial lender is removed from the car’s title, you should be good to apply for another. 

Refinancing Options

Although you cannot take out multiple title loans simultaneously, refinancing a loan may be an option! Many people turn to refinance a loan when they want better interest rates, more flexible repayment terms, and sometimes for better customer service. 

Essentially what happens is that you chose a new loan and lender to fund you, and then use those funds to pay off the existing loan. Any leftover loan amount can either be used for any expense or returned if not needed. 

Getting A Second Title Loan for Your Household

If your spouse, parent, or other family member is apart of your household and owns a vehicle (or if you are married and share a vehicle), they can apply for a title loan under their name. Keep in mind that applicants need to be at least 18, and they can add a cosigner if needed. However credit score is not a huge factor for eligibility. To qualify, a person will need a safe working vehicle, ongoing income, and provide proof of their ability to repay the loan. As long as these requirements are met, a second title loan for a household may be possible. 

Where Should I Begin for Another Loan? 

With Max Cash Title Loans you can find your second title loan online! Getting started is easy you can do so online or over the phone:

Second Title Loans with Max Cash Title Loans Online 

Simply head to our website, fill out a short application, get a free estimate. And then submit your documents after talking to a loan agent. The process takes a few minutes, done from your desktop, laptop, tablet, or smartphone. Connect to a secure Wi-Fi-network and get started! 

Second Title Loans with Max Cash Title Loans Over the Phone 

After getting a title loan you'll have plenty of cash in hand

Want to talk to a person from the get-go? You can apply for a title loan over the phone! You can text or call toll-free at (855)-561-5626. A friendly loan agent will help you throughout the process. And we can walk you through things like uploading your documents and taking the necessary pictures of your vehicle. 

Benefits of Working with Max Cash Title Loans and the Lenders That We Work With?

No matter what kind of title loans that you have had previously, start with us! There are tons of benefits that could come with Max Cash Title Loans and the companies that we work with:

  • Apply Even with an Existing Loan—the lenders that we work with may be able to provide you with a title loan even if you have an existing one that you are paying off.  And so even without a lien-free title, don’t hesitate to fill out an online application!4
  • Competitive Interest Rates—when picking lenders to work with, we only choose those who offer highly competitive interest rates.4
  • Choose Short-Term or Long-Term Loan Options—we may be able to find loan terms that are as short as a few months, or longer.4
  • Apply Regardless of Credit History—unlike personal loans, credit cards, or other traditional bank loans, no matter what your credit check will bring up, you could be approved! 
  • No Prepayment Penalties or Hidden Fees—When working with a direct lender, you can repay as early as you would like, without having to worry about pre-payment penalties.3
  • Keep and Drive Your Vehicle While Repaying Your Title Loan—when working with our lenders, you can keep and drive your vehicle as long you make your monthly payments.2

A title loan could take care of your financial needs! Even if you have an existing title loan with another financial institution, do not hesitate to start! Start with an online car title loan application.