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Home > What Documents Do I Need for a Title Loan?

What Documents Do I Need for a Title Loan?

How much cash can i get

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A car title loan allows you to access the equity from your car while driving it for the duration of the loan. While it should only be used in financial emergencies, it can be a good way to get cash quickly.

What Documents Have to be Submitted to Get a Car Title Loan?

When inquiring about title loans, one of the first questions people always ask is what do I need for a title loan?

And the great thing about this type of loan is that you actually don’t need too many documents! In comparison with traditional bank loans, the title loan process usually requires much less paperwork and hassle.

Many borrowers find this ideal since the last thing you want to do when in financial trouble is have to go through a long and difficult process to simply get some cash.

Required Title Loan Documents

To apply for a title loan you must provide specific documents relating to your income, identity, and, most importantly, the car title whose equity you wish to borrow from.

Lender requirements vary, but here are the most commonly required documents:

Government-Issued ID

A valid government-issued ID is necessary to prove your identity. The lender must ensure you are who you say you are to prevent fraudulent activity.

Proof of Residency

Proof of residency is necessary to prove you live in the state you’re applying. Each state has different car title loan laws, so you must reside in the state where you apply.

Current Car Title

The car title is the most important factor in the application process. It must be a lien-free car title in your name. This is what the lender takes possession of in exchange for the loan, giving the lender rights to the car if you default.

Car Registration

You must prove vehicle ownership with your name on the registration.

Current Vehicle Photos

Photos of the car’s interior and exterior, the VIN, and the odometer reading, help the lender determine the car’s value.

Contact Information

Lenders need your contact information to discuss your application and any outstanding documents needed to complete the process.

Banking Information

If you want the cash deposited into your bank account via direct deposit, you must provide your banking information. It won’t affect your approval if you don’t have a bank account. In fact, you don’t need a bank account at all to receive payment.

Vehicle Details

The vehicle details help lenders determine the car’s value and how much you can borrow.

Vehicle Insurance

No legal requirements for car insurance in title loans. However, lenders may ask for proof to lower their risk before approving your loan.

Lender tip:

In the title loans industry, lenders typically offer loan amounts between 25% to 50% of the car’s value and may provide up to $50,000 on the same day. The great advantage of this loan is the quick access to funds, allowing you to receive the money you need within hours and continue using your car as usual.

However, title loans should only be used in the event of an emergency due to the high fees associated with this type of financing. Failure to repay your loan can result in you losing your vehicle.

Qualifying Factors for a Title Loan:

Vehicle title loans are simple. The main qualifying factors are your ability to repay the loan and the equity in your vehicle. That means you need to prove you have enough income to make your monthly payments and that your vehicle’s market value is enough to protect the lender in case you default on the loan. If your vehicle’s market value is not high enough, the lender may see you as too much of a risk and deny your application.  

If your vehicle (car, RV, commercial vehicle, classic car, or power sport) can meet these title loan requirements, you are likely to be eligible for a loan.

Ability to Repay

You must have proof of income. This doesn’t mean you must be employed. You may get approved with other proof of income, such as disability, Social Security, worker’s comp, investment income, or unemployment benefits.

Notice we didn’t say we need proof of employment? We just need proof that you have a steady income to repay the loan.

Vehicle Value

The vehicle value is one of the most important factors when qualifying for a title loan. The vehicle is the loan’s collateral and is how we determine how much you can borrow while still driving your car.

You can use sources like Kelley Blue Book or Edmund’s to get an idea of your car’s value, but we’ll need proof of the car’s make, model, and condition with accurate pictures.

Credit Score

Usually, title loan lenders don’t require a good credit score. While a credit check is part of the process, the focus is on other determining factors such as the vehicle’s value and your ability to repay the car title loan.

Title in Your Name

Your name must be listed on the vehicle’s title as an owner to get a car title loan. This makes you eligible to use the vehicle as collateral which is necessary for a title loan. Being on the car title with someone else could affect how you apply for the loan.

If you hold the title to the car with someone else and it’s listed with an ‘or’ between your names, you can apply for a car title loan yourself. However, if an ‘and’ exists between your names, both parties must apply for the title loan together.

Serving You Across The US

We serves applicants from more than 30 States! By connecting with a trusted lender, we help people apply for a title loan safely and quickly. Call us now or apply online and let our support team guide you.

Evaluating Your Vehicle’s Value

In addition to your ability to repay the loan, lenders will use the value of your vehicle to determine how much money you can receive if approved. At Montana Capital, most borrowers are eligible for a loan of up to 70% of the car’s value, but it depends on how much you can afford to repay.

With online title loans, evaluating your vehicle’s value is easy. You upload photos of your car in lieu of an in-person inspection. This saves time and the hassle of getting your car inspected, plus you get a free quote.

Car Title Loan Offers and Terms

Title Loan Repayment

Title Loan Benefits

Title Loan Risks

Title Loan Process

The title loan process is quick and straightforward. Here’s what you can expect:

Online Application

Complete a loan application online or speak with a representative at 1-800-700-8900


Provide your documentation, including proof of income, and pictures of your car

Review and Sign

Review and sign the contractual agreement if you choose to move forward with the loan

Get Your Money

Address your financial emergency and keep driving your car while making payments

Beware Title Lenders With Minimal Requirements

While it’s a borrower’s dream to find a car title loan lender with simple and attainable requirements, beware of lenders that are too good to be true. Be careful if you see a loan advertised with the following:

  • Guaranteed approval – Lenders typically check a borrower’s ability to repay, income, and credit. Those who don’t may be predatory.
  • High-interest rates – If a lender does not check a borrower’s income or credit, they may require a higher APR.
  • Excessive additions – Unnecessary add-ons are often a tactic to increase your monthly payments. Ensure you are only paying for what you need. 
  • Unethical tactics – Watch out for the classic bait-and-switch sales tactic. Some lenders reel you in with spectacular interest rates and then flip the script when providing an offer.


Are Car Title Loans Legal?

What Do I Do if My Car Title Information Is Incorrect?

The Documentation Required- Summary

The title loan documentation required are simple compared to your average bank loan and, when followed, make it easy to get cash fast. There are basic criteria that must be met to qualify, however, including:

  • Owning your vehicle outright
  • Having proof of income
  • Providing pictures to prove its value

After getting approved for a title loan, you may get your funds in as little as one business day, and in some cases as little as 5 hours if you provide all of the required documents and sign your loan agreement before 2:00 PM your lender’s local time.

This makes it simple and easy to satisfy your financial emergency. Check out our comprehensive FAQ page for any questions or concerns. If you still have questions contact one of our representatives by phone at 1-888-700-8900. We are always happy to assist you!

Written by Samantha Hawrylack

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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