Shir Amram

Written by: Shir Amram

Looking for quick cash but don’t have your vehicle’s title? If you’re considering a title loan but find yourself without the title in hand, don’t worry – it’s more common than you think. 

Misplacing or forgetting car titles happens to many people, leaving them in need of an auto equity loan without the physical document. At Montana Capital Car Title Loans, we understand these situations and are dedicated to helping customers find solutions. 

Title Loan Without Title? Here’s What You Need To Know:

  • Replacement/Duplicate Titles: If your title is lost or stolen, you can get a replacement. Once you have the duplicate title, you can proceed with a title loan.
  • Refinance an Existing Title Loan: If your car is already used as collateral for a title loan, you might still qualify for another loan using the same vehicle.
  • Second-Lien Title Loan Options: Some lenders offer second-lien title loans, allowing a vehicle with an existing loan to secure another, even without the title in your possession.

In Nutshell

Lost Your Car Title But Need a Title Loan?

  • Explore options like refinancing, second-lien options, or getting a duplicate title.
  • Get a new title from the DMV or consider a bonded title.
  • Consider online title loans for a quick solution.
  • Alternatives include bank loans, credit card advances, or loans from credit unions.

Getting a Car Title Loan When You Don’t Have the Title in Hand

When you’re looking for an auto equity loan but don’t have the title, it’s important to make sure the title is clear and has no debts on it. This means the car belongs to you and there’s no money owed on it.

At our company, we check this using the DMV database. Even if you don’t have the title, there are ways to get a loan. You can get a new title, try a second lien title loan, or go for an online title loan.

If your car is fully paid off and you don’t owe anything on it, you can get a new title from the DMV, and that’s enough proof to get an auto equity loan.

Securing a Duplicate Title from Your Local DMV

Lost your car title or can’t find it right now? No worries! Your first stop should be the DMV. They’ll help you get a new title so you can apply for a loan. It’s a pretty easy process. 

Here’s What You’ll Need to Bring With You:

  • a government-issued photo ID
  • car registration
  • a completed title replacement form
  • information about the car such as the VIN.

It’s important to note that replacing a lost car title comes with a fee, so be sure to check the specific amount with your local DMV. 

Once you apply, you can expect to receive your replacement title in about 7 to 10 days for online applications, or up to three weeks if processed through the DMV office. With this new car title in hand, you’re one step closer to securing your car title loan.

Considering a Bonded Title as Collateral

What if you bought a car but didn’t get the title? Or what if the person who sold you the car never gave you the title? This is where a bonded title comes into play. Think of a bonded title like a special certificate that says you own the car, but it also has a safety net attached to it called a surety bond.

Getting a bonded title means you have to get a surety bond from a company that offers them. This bond is like insurance; it’s there to protect against any future claims someone might make saying they own the car. Many lenders will accept a bonded title when you want to get a title loan because it proves you’re the car’s legal owner.

Even if you don’t have the regular title, a bonded title can help you get a title loan.

Online Title Loans: A Paperless Path

Online title loans offer the convenience of applying from anywhere without the need for a physical title. This paperless process simplifies and expedites loan applications, saving you time and effort.

Online Title Loans Offer Several Advantages:

  • Expedited application process
  • Ability to complete most of the application from home
  • Same day funding and favorable repayment terms
  • No need to show the vehicle for online applications
  • Paperless process, even if you’re missing your car title

Consider taking advantage of a car title loan online for a convenient and hassle-free borrowing experience with online title loans.

Title Loan Process with No Title in Hand:

1. Complete the Title Loan Application:

  • Start Your Inquiry: Begin by filling out an online form.
  • Share Information: Tell us about yourself, your income, and your vehicle.
  • Get Prequalified: Find out if you prequalify to apply for the loan.

2. Determine Title Status:

  • Check Your Title: We make sure the car belongs to you and has no debts.
  • Use DMV: We use the DMV to confirm your title is okay.

3. Complete DMV Forms:

  • Fill Out Forms: If your title is missing, we help you fill out the necessary paperwork.
  • Pay Fees: You may need to pay a small fee, which we can add to your loan.

4. Review & Sign Loan Documents:

  • Understand Your Loan: We explain all the details of your loan and repayment.
  • Sign Your Agreement: You sign the agreement if you’re happy with everything.

5. Pay Back Over Time:

Getting Your Title Loan Faster, Even Without the Title

If you’re in a rush for cash and find yourself without your car title, don’t stress. There are a few steps you can take to speed up the car title loan process. 

Here’s What You Can Do:

Prepare All Necessary Documents

o get an auto title loan quickly, start by gathering all the necessary documents. This includes:

  • Your vehicle’s insurance papers
  • Any current loan documentation
  • A valid government-issued ID
  • Details about your vehicle like the make, model, and year

Having these documents ready will streamline the application process and prevent delays.

Take Advantage of Online Loan Services

The digital age has made it possible to apply for loans online, offering a fast and convenient way to get the funds you need. You can use online title loan services to submit your application, upload documents, and even get a preliminary vehicle valuation

This can be done from the comfort of your home or while on the go, saving you the time and hassle of visiting a loan office in person.

Effective Communication with a Title Loan Agent

Good communication can speed up any process, including getting an auto title loan. If you have questions about the loan process or need assistance with your application, don’t hesitate to reach out to the title loan agent. 

They’re equipped to guide you through the loan application, clarify any doubts, and ensure you have all the information you need. By maintaining clear communication, you can avoid misunderstandings and get your loan approved more quickly.

By following these steps, you can expedite the auto title loan process even without having the physical title in hand. Remember to be prepared, make the most of online resources, and communicate effectively to achieve a swift and successful loan experience.

Financial Implications at a Glance

Title loans without a title offer quick cash but carry high-interest rates and the risk of losing your vehicle. For example, in California, title loan APRs can soar to 46% for loans under $2,500. These rates result in hefty monthly payments, so it’s essential to assess the financial burden. 

A title loan calculator can help estimate these payments. Keep in mind, around 20% of borrowers who can’t produce a clear title face repossession. Always weigh the need for emergency funds against these considerable risks.


Obtaining a title loan is achievable even without a physical title in hand. It’s important to be well-prepared for the application process, to fully understand the financial implications involved, and to thoughtfully consider all potential alternatives.

If you’re in a bind and need cash quickly, consider exploring the possibility of a same-day loan online with us. We provide expedited services to assist you in your time of need.

Don’t let the lack of a clear title hold you back; reach out to us at Montana Capital Car Title Loans. You can contact us via our website or call us directly at (888) 700-8900. We’re here to help guide you through the process and find a solution that works for you.

Frequently Asked Questions

Can I Get a Title Loan Without a Title?

Yes, you can obtain a title loan without a clear title by securing a duplicate or bonded title. You can fill out a DMV form declaring your title as lost and requesting a replacement.

Can You Get a Title Loan if Your Title Has Liens?

While it is generally required to have a clear title to obtain a title loan, some lenders may offer solutions if your title has existing liens. These solutions might include paying off the current lien with the new loan or considering a second-lien title loan. 

However, this will depend on the title loan lender’s policies and your ability to meet their specific requirements.

What are The Title Loan Requirements?

To be eligible for a title loan, you generally need to provide:

  • Clear Title: Documentation proving vehicle ownership.
  • Vehicle Inspection: To assess the car’s value.
  • Income Proof: Evidence of ability to repay the loan.
  • Valid ID: For identity verification.
  • Residence Proof: Confirming your state residency.
  • Insurance: Some lenders require vehicle insurance.

Can I Get a Title Loan if The Title is Signed Over to Me in Texas?

Yes, in Texas, you can get a title loan if the title is signed over to you. However, you must ensure that the title transfer is fully completed and recorded with the Texas DMV. You’ll need to provide the signed title, complete any required DMV forms, and pay the necessary transfer fees. 

Once the title is officially in your name, you can apply for a title loan using the vehicle as collateral.

Does a Car Have to be in Your Name to Use as Collateral for a Loan?

Yes, in order to use a car as collateral for a loan, the car must be legally registered in your name. This means that the title of the vehicle must show you as the owner. Lenders require this proof of ownership to ensure that they have the legal right to take possession of the vehicle if the loan is not repaid according to the terms of the agreement. If the car is not in your name, you will not be able to use it as collateral for a title loan.

Shir Amram

Written by

Shir Amram

Shir Amram is a senior loan officer at Montana Capital Car Title Loans. With over 10 years of experience in the finance industry, Shir has been an asset in her role and has contributed significantly to our company’s success, Shir’s academic background in economics and financial knowledge helps us fulfill our education mission as she creates a valuable content to our blog.