Getting a Title Loan Without a Title

Getting a Title Loan Without a Title

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Can You Get A Title Loan With No Title?

Financial emergencies come up more often than anyone appreciates, and at times, there simply isn’t enough in the bank to cover what’s needed. Fortunately, short-term loans provide access to simple, fast cash when an unexpected bill or expense rears its ugly head. Car title loans are a smart way to get back on your feet since they don’t require a perfect credit history or a complicated application process and you can expect to receive your funds within as little as one day.

However, there may be some confusion as to what’s needed to qualify for a car title loan. One of the most common question we hear is, “Can I get a title loan with no title?” We’ve got your answer here.


What Are Title Loan Requirements?

A vehicle is the first requirement for qualifying for a car title loan since a title loan is a short-term funding solution that you qualify for based on the equity you have in your vehicle. That means your car – or truck, or even motorcycle – must be worth something so your lender can feel comfortable approving a loan that uses your vehicle as collateral. Nearly all title lenders require that you also have a clean and lien-free title before you can be approved for a car title loan. Let’s talk about what that means.

When a vehicle has a lien on it, that means a bank or other lender financed the vehicle when it was purchased and there is still a balance to be paid on that auto loan. Until the loan is paid, the lien remains with the finance company as they are considered a partial or full owner of the vehicle. Having a lien-free vehicle means you do not owe a lender any money tied to your car. You should be listed on the title as the sole owner. Some title lenders may offer you a loan that takes care of an unpaid balance first, and then you receive the remaining amount as cash, but that is a rare occurrence. Although not all car title lenders work exactly the same, you can safely assume that getting a title loan with a lien still on the vehicle is not likely.




Having a clean title on your vehicle means that you are the owner and there are no outstanding liens against your car. It’s fairly easy to receive a title loan with a clean title because the lender can quickly recognize that you have the right, as the owner, to borrow against the equity in your vehicle. In some cases, you may have another person listed on the title of the vehicle as a co-owner. Your title is still considered clear, so long as nothing is owed on the car, but you and the co-owner may both need to complete a title loan application to secure your cash.


Other Requirements

There are a few required documents for a car title loan:

  • Proof of insurance and registration for your vehicle
  • An income of at least $1,500 a month, This can be from social security, disability, etc.
  • A vehicle that qualifies with enough equity.  When you call (888) 663-7074 or fill out the application form on the website you can find out right away if your vehicle qualifies.
  • The title or pink slip to your vehicle, which must be under the borrower’s name. The car needs to be paid off and free of all liens.
  • Identification or driver’s license

If you have further questions on what else you need, you can check out the FAQ on TNL.

Call us today if you need a car title loan.  You will find our staff polite and easy to work with.  We have a no-pressure, no-hassle, policy in place.  Our goal is to educate you so you can make the best decision so you understand how car title loans work.  Call today: (888) 663-7074 to learn more.




Title Loans Without A Clear Title

Getting a title loan without a clear title isn’t a reality for most borrowers because the lender can’t know for sure who owns the vehicle. However, if you’re trying to get a title loan with no title because you can’t locate the original title, you’re in luck. Your lender can provide you with instructions on how to request a copy of your title or a new title from your local DMV, or you can do some research here to see what’s needed for that process. Once you have the title to your vehicle, you’re able to get a title loan in no time at all.

Title loans are a helpful financial tool when unexpected expenses come up, and getting the funding you need is a straightforward, quick process. Qualifying for a title loan without a title, though, can be a challenge if you still owe a balance on your car loan or another title loan lender. If you’re trying to get a title loan with no title because you can’t find your original ownership document, however, there are simple steps you can take to get a copy of your title. If you’re still wondering if you can get a title loan without a clear title, contact us at (888) 663-7074 and we’ll answer any questions you may have.

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