Can You Get a Title Loan With No Title?

No, you cannot get a title loan with no title in hand. You will need a qualifying vehicle title in your name to apply for a title loan since the title is used as collateral for the loan. If you do not have your title in your possession and you are the rightful owner of the car, then you can request a duplicate title at your local Department of Motor Vehicles (or state equivalent). If your car title is lost, misplaced, or damaged, you should obtain a new one as soon as possible. A car title is a legal document that proves the ownership of a car, so it is important to keep track of it. You cannot sell your vehicle or apply for an auto title loan until you have the title in your possession.

Finding quick funding to cover an emergency expense can be stressful. Once you get your new car title on hand, you can easily apply for a ChoiceCash title loan online or over the phone. Fill out the pre-approval form online or call 855-422-7402 to speak with a ChoiceCash title loan agent today! If you’re eligible for funding, you can access competitive interest rates and receive money in as little as 24 hours.1

How Can I Replace a Lost Copy of My Title?

title loan without title

Since you can’t get a title loan without your title in hand, you must take the necessary steps to replace your title if you want to apply for the emergency cash you need. It can be stressful to lose such an important document, but you can easily obtain a duplicate vehicle title by following these steps:

Gather a Few Necessary Documents

Generally, the documents you will need to obtain a duplicate title vary from state to state. However, when you visit the appropriate government agency in your state, you can expect to provide information about your car, the Vehicle Identification Number (VIN), a valid, government-issued photo ID, proof of car ownership (a vehicle registration form or a notarized bill of sale), and a completed replacement title application form.

Visit Your Local Department of Motor Vehicles

The Department of Motor Vehicles (DMV) in your state may be called a different name, such as the Bureau of Motor Vehicles or the Division of Motor Vehicles. Once you have the required documents, you can visit your local DMV office to fill out an application. Duplicate titles typically take two to three weeks to arrive, but this can vary depending on your state of residence. In some states, you can pay for expedited service and get your title faster!

Pay the Required Fees

Generally, replacing a lost copy of your title involves paying a small fee. The amount can differ in each state, so check the applicable DMV’s website to find the exact amount you will need to pay during your application. A payment can usually be made in the form of:

Before you visit your local DMV, make sure you know what forms of payment are accepted.

Tips for Speeding Up the Application Process

If you’re in a rush to get a replacement title, here are a few tips to help speed up the process:

  • Prepare Yourself By Calling the DMV Ahead of Time and Asking for More Information About the Application
  • Print and Fill Out Any Necessary Forms Beforehand to Save Time at the DMV Office
  • Consider Making an Appointment to Avoid Long Wait Times
  • Double-Check All Your Documents to Ensure Accuracy and Avoid Potential Delays

Do you want more information about applying for a title loan with a missing title? Dial 855-422-7402 to speak to a ChoiceCash title loan agent today! Our title loan representatives are available six days a week to take your call and answer any questions you may have.

How Do I Start a Title Transfer?

If you’re trying to find the best place to get a title loan, it’s important to remember the fact that you can’t apply for an online title loan without a title in your name. Additionally, the vehicle you intend to use as collateral for the loan must have enough positive equity in order for you to qualify for emergency cash. Even if the title is not currently in your name, you can fill out a short questionnaire online and get a loan quote with no obligation. Once the vehicle title has been transferred to your name, you can conveniently start your title loan application without any hassle!1

Although the steps to complete a title transfer may vary from state to state, you can usually complete the process by mail or in person at your local DMV or Secretary of State facility. In addition to having a complete title transfer form, there are a few things you may need to provide to get your title in the right shape to apply for a title loan:1

  • Proof of Car Registration and the Original Vehicle Title
  • In Some Cases, You Will Need a Signed Bill of Sale and an Odometer Disclosure Statement
  • Proof of Residence
  • A Valid, Government-Issued Photo Identification Card
  • Cash, Check, or Another Form of Payment for the Title Transfer Process

The exact documents you will need to complete a title transfer will usually depend on your state of residence, so do the proper research ahead of time. Once your car’s title has been transferred to your name, you can apply for a ChoiceCash title loan online or over the phone! Dial 855-422-7402 if you have questions about applying for a title loan without a title in your name.1

Can I Get a Car Title Loan with a Bonded Title?

A bonded title is typically issued when there are issues with proving ownership of a vehicle through conventional means. A few situations can lead to the issuance of a bonded title, including the following:

  • Purchased a Vehicle and Received a Title that was Improperly Assigned or Damaged
  • Purchased a Vehicle but Lost the Signed Title before Transferring it to Your Name
  • Purchased a Vehicle but Didn’t Receive the Title or a Bill of Sale

It is possible to obtain a title loan with a bonded title. Call 855-422-7402 to speak to a title loan agent and learn more about the application process.1

How Can I Avoid Losing My Important Car Documents?

title loan without clear title

Keeping your car documents safe and organized is crucial to avoid the inconvenience of losing them. Take a look at some tips you can use to help you keep your car documents safe and secure:

  • Use a Dedicated Folder for Your Car Documents
  • Make Copies of Your Paperwork and Secure Them in a Safe
  • Consider Scanning Your Documents and Store Them Digitally

By following these tips and tricks, you can avoid the risk of losing important car documents and become more organized.

Unlock Fast Cash With Your Car’s Title!

While finding a lender who offers title loans with no title needed is unlikely, you can request a transfer or obtain a replacement title at your local DMV! Submit a short inquiry form online or call 855-422-7402 to find out if you can apply for a ChoiceCash title loan in your state once you have your title in the right shape.1

You can access up to 50% of your car’s value if you’re eligible for a ChoiceCash title loan. Upon final approval, you can choose direct deposit or have your funds added to a debit card to receive fast money in as little as 24 hours!1

Sebastían S.
Sebastían S.
Sebastían S. is a graduate of Texas State University and a contributing member of the ChoiceCash content team with over two years of experience in the financial services industry. As a proficient digital content writer, his writing style combines transparency and expertise in order to make complex financial topics accessible to a wide audience. Whether the topic is about title loans, debt management, or budgeting, Sebastian's objective is to provide readers with accurate and relevant information that is easily understood. Find him on Linkedin.