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Home > Bad Credit Title Loans

Bad Credit Title Loans

How much cash can i get

Find out now. It's fast, secure & free!

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Bad credit title loans are a possibility for people with bad credit. Yes, that means if you have an emergency, your bad credit doesn’t have to get in the way! 

While title loan lenders may check your credit, a low score won’t automatically disqualify you. This is because bad credit title loans use your vehicle as collateral, making lenders more likely to accept your loan application.

In the title loans industry, demonstrating your capability to repay the loan and providing a vehicle with equity as collateral are frequently sufficient to offset poor or limited credit.

In many cases, you may still get approved for a loan as long as you meet title loans lender basic requirements, including the following:

  • Proof you have the income to repay the loan
  • A lien-free title to use your car as collateral
  • Your name must appear on the vehicle’s title
  • Have adequate equity in your vehicle

How is it possible?

While a good credit score and credit history is helpful, it is not the only determining factor when applying for a title loan. The approval process for bad credit title loans is easier, but you must be willing to use your car’s title as collateral. You can still drive the vehicle, but we will hold onto the title until the loan is paid off. It is important to know that you put your car at risk if you default on your loan. Most lenders typically approve loans amounting to 25%-50% of your vehicle’s current value, with a maximum limit of up to $50,000.

How Can I Get Money With Bad Credit?

When you borrow money, there are two ways to do it, with secured or unsecured loans.

Secured Loans

Secured loan have collateral or something you promise in exchange for the funds. If you don’t pay the loan back, the lender can keep the collateral and sell it to make their money back.

Title loans are secured loans; the vehicle is the collateral. This is why it may be easier to qualify for a title loan than a personal loan or another unsecured loan if you have bad credit.

Unsecured Loans

On the other hand, unsecured loans don’t have collateral and are harder to qualify for because the lender doesn’t have the same guarantee. If you don’t follow the repayment schedule of an unsecured loan, the lender may sell the debt to a collection agency that can collect the funds. Personal loans and credit cards are all examples of unsecured loans.

Getting Secured Title Loans With Bad Credit

Title loan lenders don’t make your credit the main focus. This means you don’t have to worry about not qualifying for a title loan if you have blemishes on your credit check.

Is There a Credit Check for Title Loans?

Many lenders do a credit check for title loans, but it’s not the only factor they consider for online title loans. They pull the credit to see your history and how you handle your payments, but their main priority is on two other factors:

Your income or ability to repay the loan

Income does not necessarily mean full-time employment. Income can look like a regular 9-to-5 job, social security benefits, disability, compensation from a monetary settlement, etc. Regardless of your income type, you will need to prove it by providing documentation. This can take the form of pay stubs, tax returns, bank statements, disability, insurance statements, and more.

The car’s value as it’s the loan’s collateral

By offering up your vehicle as collateral in a secured loan, the lender is able to sell your vehicle in the event you default on your loan. The vehicle should be worth enough that the lender doesn’t take a loss on the loan should this happen. If your vehicle’s value is high enough, you may qualify for the loan.

What Is the Definition of a Bad Credit Score?

Credit is typically broken into five categories: Excellent, Very Good, Good, Fair, and Poor. 

ExcellentVery GoodGoodFairPoor
800-850740-799670-739580-669300-579

A bad credit score is a score that falls within the “poor” category of 579 and below. According to myFICO, a score in this range is far below the nation’s average and indicates to many traditional lenders that the borrower may be a risk.

What Is the Minimum Credit Score to Get Approved for a Title Loan?

Getting approved for a title loan doesn’t require a minimum credit score. For example, lenders may ensure there is enough collateral in the car and that you can repay the loan.

While any lender would prefer borrowers to have credit scores in the good to excellent category, as shown in the illustration, it’s not a requirement for getting a title-secured loan.

Car Title Loan Online Approval Process

Complete an application

To complete the car title loan application, click here or call 1-888-700-8900 to speak to a representative to determine if you’re pre-approved. The process takes only a few minutes.

Provide necessary details

Submit your documentation online. We make it easy to submit your documentation online, including pictures of your car, for a virtual inspection.

Get Your Money!

If approved, you can receive your funds via direct deposit, sometimes in as little as 24 hours.


How Much You Can Borrow With Us?

In the title loans sector, lenders commonly provide loans ranging from 25% to 50% of the vehicle’s value, and they might approve amounts up to $50,000 within the same day.

We offers loans from $2,600 to $20,000. The amount you may borrow varies based on the car’s value and your ability to repay the loan. At the most, you can apply to borrow up to 70% of your car’s value.

Can I Get Title Loans Online Without Having to Visit a Store?

Yes, you have the ability to apply for and get title loans completely online without visiting a store. In addition, you can upload your documents and vehicle images online and get your funds in as little as a day.

Car Title Loan Eligibility

We make it easy to qualify for an online title loan. If you meet the following requirements, you may be eligible:

  • You have a car without any loans on it in your name
  • The car is worth at least enough to borrow $2,600 and leave 30% equity in it
  • You have proof of reliable income and ability to repay the title loan
  • You can provide a copy of your driver’s license and auto insurance

What Documents Do I Need to Qualify for Car Title Loans Near Me?

Government-issued ID

You must provide a copy of a current driver’s license or another government-issued ID, such as a passport or state ID.

Proof of residence

You must prove your current address, which you can do with a current bill or bank statement.

Proof of car title

You must have the car title with your name on it. If you don’t have the title, we may be able to help.

Proof of income

You must prove steady income, whether employment, government-paid, investment, or self-employment income. You must prove the income is consistent and ongoing with paystubs, bank statements, or copies of your checks.

Vehicle photos

Upload pictures of the interior and exterior of your vehicle to determine its value and that it passes the inspection.

You must know:

Personal loans for bad credit have the following characteristics:

  • High interest rates – Personal loans for bad credit typically come with high interest rates because lenders are taking a greater risk if they lend to borrowers with lower credit scores.
  • Limited amounts – Due to increased risk, lenders are usually only willing to lend smaller amounts.
  • Limited loan terms – Unlike traditional loans, bad credit personal loans usually have shorter repayment terms, requiring you to repay the loan sooner.

However, if you find the right lender, borrow an amount you can afford to repay, and make your payments on time, your credit score may improve.

What Makes Your Credit Score Bad?

How Can I Improve My Credit Score?

What if I Need Money Before My Credit Score Improves?

How Can I Raise My Credit in 30 Days?

Can I Add a Co-Signer to My Title Loan?

You may be able to add a co-signer to your title loan if you don’t qualify on your own. Your co-signer should be someone with good to great credit to increase your chances of approval. A co-signer becomes liable for the debt if you don’t repay it, so make sure you don’t borrow more than you can afford.

If there is any debt on the car, the cosigner must be made aware of their financial responsibility. If you are unable to make payments, ask the cosigner about their ability to repay the funds. If a worst-case scenario occurs, you must ensure that the loan balance can be repaid.

How Will a Title Loan Impact My Credit?

If you fail to meet the title loan’s terms, loan providers may repossess your vehicle. Credit bureaus and collection agencies are most likely to be notified of the loan progress by some lenders.

If the loan is not reported or the debt is not offloaded, you do not harm your credit score.

There are, however, different policies and laws regarding car title loans depending on the lender and state. Ask your loan provider if and when they may report on your loan.

Montana Capital does not report your payments to the credit bureaus, so your credit score shouldn’t be affected.

Benefits of Applying for A Loan With Our Company

Applying for a bad credit title loan with us offers many benefits, including:

  • You can access in as little as 24 hours
  • You don’t need perfect or even good credit
  • Chance of approval is good if you can afford the loan
  • Our customer service professionals are helpful

Title Loan Licensed Lender Quotes

  • Many people assume the amount they can borrow for a bad credit title loan is limited, but you may get approved for as much as you prove you can repay, and up to 70% of your paid-off vehicle’s value.
  • The largest benefit of bad credit title loans from lender is the speed that you can get your funds. We can usually process a loan in less than a day and fund the loan fast, plus you get to keep and drive your car.
  • Bad credit title loans are best for people who can’t get personal loans and don’t want a payday loan. Title loans are secured and easier to qualify for, but you must be willing to use your car’s title as collateral. You can still drive the vehicle, but we’ll hold onto the title until you pay the loan in full.

Can You Get Title Loans With Bad Credit?

Can You Get Approved With a 500 Credit Score?

What Loans Can a Person With Bad Credit Get?

How Can I Find an Auto Title Loan Near Me?

How Do I Find Out if I Qualify for an Instant Online Title Loan?


The Bottom Line: Get Car Title Loans with Bad Credit

Car title loans for bad credit allow you access to your car’s equity. In exchange, you’ll provide your vehicle title as collateral.

Car title loans are short-term loan options for people who need cash fast but have an imperfect credit history. The credit requirements to get a title loan are relaxed, so bad credit doesn’t usually affect them.

Completing a car title loan application is simple, and if approved, you may receive funds in as little as 24 hours.

However, because of their convenience, title loans have higher interest rates. In addition, not all states are allowed to offer car title loans. Some states may require that you own the car without financing to quality while others allow it with a small amount of financing.

Please remember to use this type of loan for emergencies only. Loans of this type are only intended to solve short-term cash needs and should not be viewed as a long-term solution.

Don’t let bad credit stop you from getting the cash you need. Contact us today or apply online to start your application process.

Written by

Samantha Hawrylack

Samantha Hawrylack writes for our company and is an expert in personal finance. Sam received her Bachelors of Science in Finance and her Masters in Business Administration from West Chester University of Pennsylvania. She began her career in the financial services industry and shifted to an entrepreneurial role where she could directly impact clients. Sam has an impressive background in personal finance and business management.

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