If you currently own a car, then you have access to untapped emergency money! A car title loan could allow you to use the equity in your car as collateral for fast cash!

In order to qualify for a car title loan, you will need a car title in your name, a qualifying car, and a reliable source of income. If you currently have a missing title, don’t be discouraged, because replacing a missing title can be easy!

How to Replace a Missing Title for a Car Title Loan?

A car title is an important document because it proves ownership of the car. But life is chaotic and like any other personal document, it could get lost. Perhaps you recently moved or you have unwittingly misplaced it.

Once you notice you have a missing title, it’s important that you replace it. In order to request a duplicate copy, you will need to either visit your local Department of Motor Vehicles in person or request a duplicate car title by mail.

The items you need to replace a missing title will differ depending on your state, but typically you will be required to provide a government-issued photo ID (such as a driver’s license or state ID), a completed form requesting a car title replacement, a copy of your car registration, and money for the replacement fee.

The amount of money you will need to pay for a missing title depends on your state. The fee could be anywhere from a few dollars up to a hundred! To verify you have everything you need beforehand, check out the Secretary of State website.

If you visit the DMV in person, usually you will receive a temporary car title that same day. Your new car title will usually arrive by mail within a few days after you replace the missing title. 

How to Qualify for a Car Title Loan with a Missing Title?

If you have a missing title, you could still get a car title loan because getting a duplicate copy is a piece of cake!

Once you complete the replacement process for a car title loan, you could inquire to see if you qualify for emergency funding. With ChoiceCash Title Loans, you could choose to either call or inquire completely online.

If you choose the online method, you will need to use the car title loan calculator on the website. You will be asked for basic details about your car, such as:

  • The Make (Ford, Toyota, Mercedes-Benz, etc.)
  • The Model (Mustang, Corolla, Civic, etc.)
  • The Vehicle Year (Can be found on car VIN number)
  • The Style (Coupe, hatchback, sedan, convertible, etc.)
  • The Current Mileage (Found on the odometer)

Once you input these car details into the calculator, you could receive a pre-approved decision almost immediately!1 If your car has enough value, you could potentially receive a free car title loan estimate! If the amount is enough to cover any unforeseen emergency bills or expenses, go ahead and submit your contact information! You will be asked to provide your first and last name, mobile number, email address, and zip code.

Eligible car title loan borrowers could possibly get their emergency cash in as little as 24 hours!1

What Benefits Could I Get with a Car Title Loan with a Missing Title?

Once you replace a missing title, you are free to inquire for a car title loan. Car title loans are a popular loan option because they typically come with flexible requirements, which is perfect for people who may not have ideal credit.

With ChoiceCash Title Loans, you do not need perfect credit in order to be deemed eligible for funding. Unlike with traditional bank loans, a person could be deemed eligible for a car title loan with bad credit because the main qualifying factors include the car and one’s ability to repay the loan.1

Since the car title loan is secured using an asset as collateral, eligible borrowers could receive numerous benefits that make borrowing less of a financial hassle.

Take a look at the advantageous benefits you could receive with ChoiceCash Title Loans:

Low Affordable Payments

Monthly car title loan payments start low with ChoiceCash Title Loans! But those low payments have the potential to get even more affordable! Through continuous on time payments, your payment amount could get lower and lower each month you pay!2

With ChoiceCash Title Loans, you could be able to keep more money in your pocket!2 By the time you make your final car title loan payment, you could be paying half as much as your first payment!2 Why work with any other car title loan option when you could potentially get rewards like these!

Transparent Terms

There are a lot of malicious loan options online, and they can try to swindle a borrower through hidden fees and other charges. But ChoiceCash Title Loans remain transparent throughout the process from start to finish. There are no hidden fees to worry about[SS1] , and there are no balloon payments at the end of the repayment process!

Repayment Freedom

While car title loans are technically considered short term loans, a qualified borrower could possibly get more time for repayment with ChoiceCash Title Loans! But if you’re interested in saving on interest, you have the flexibility to repay your car title loan at any time! There are no prepayment penalty fees, so pay your car title loan off whenever. 

Convenient Process

If you need fast emergency funding now, you likely don’t want to waste time visiting a bank during business hours. Instead, you could easily inquire for a car title loan with a missing title online or over the phone with ChoiceCash Title Loans! The majority of the approval process could be completed online.

When it comes to turning in your required documents, all you have to do is upload them online! And while traditional car title loans require an in person car inspection, with ChoiceCash Title Loans you can simply upload photos of your car online!  

If I Get a Car Title Loan with a Missing Title, Do I Keep My Car?

In order to qualify for a car title loan, you need a car title in your name. If you have a missing title, you can easily request a replacement and receive a new one fairly quickly.

But if you’re still mulling over the idea of obtaining a car title loan, you may be concerned about the status of your car. If the car is used as collateral, do you still get to drive it?

With ChoiceCash Title Loans, the answer is yes! Even though a lien is put on the car title, eligible borrowers can still continue driving their car during the repayment process! ChoiceCash Title Loans are all about convenience, so there’s no need to give up the use of your reliable transportation and rely on public transportation.

Can I Get a Car Title Loan with a Missing Title and No Bank Account?

Having an active bank account is typically a qualification requirement for a lot of emergency loan options. But if you don’t have a bank account, you could still qualify with ChoiceCash Title Loans!

Having a bank account is not a requirement for qualification, but replacing your missing title is. The only reason a bank account would be needed is if you wanted to get your car title loan money through direct deposit. But without a bank account, you could receive your car title loan money through a check in the mail or picking up your money at any participating money transfer location nearby.

Get a Car Title Loan with a Missing Title Today

If you have a missing title, but you need emergency funding, consider a ChoiceCash Title Loan! A knowledgeable title loan agent could help guide you through the process of requesting a duplicate car title. Once you replace the missing title, you could quickly complete the approval process!1

The approval process for ChoiceCash Title Loans is straightforward and hassle-free. Consisting of three simple steps, the process is meant to help eligible borrowers get the financial relief they need as soon as possible.

Take a look at the three simple steps for car title loan approval:

  1. Start the Inquiry: To find out if you are eligible for a car title loan, call (855) 914-2945 or complete the online questionnaire form.
  2. Submit Your Paperwork: The documents required for a car title loan include government-issued photo identification, proof of income, proof of residence, photos of the car, and a car title in your name. If you have a missing title, you will need to obtain a duplicate copy. 
  3. Get Approved1: A car title loan agent will verify your information using the documents. Once everything checks out, you could be fully approved for a ChoiceCash Title Loan!

It’s easy to replace a missing title, and it’s just as easy to inquire for a ChoiceCash Title Loan!1 Go ahead and start the inquiry process whenever it is convenient for you!