Can You Get a Title Loan Without a Title?

No, you cannot get a title loan without the title in hand. You will need a qualifying vehicle title in your name to apply for a title loan. If you do not have your title on hand and you are the rightful owner of the car, then you can request a duplicate title for a fee at your local Department of Motor Vehicles (DMV).

If your car title is lost, misplaced, or damaged, you will need to obtain a new car title 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 will not be able to sell your vehicle until you have the title in your possession. Additionally, you will need your car title to apply for an auto title loan!

Finding quick funding to cover an emergency expense can be stressful. Once you obtain your new car title, you can inquire about a ChoiceCash title loan online or over the phone. Start your loan application online by filling out the pre-approval form or calling 855-422-7402 to speak with a ChoiceCash title loan agent!1 If you’re on the phone with a title loan representative, you can ask them any questions you may have about applying for a title loan without the title in your possession.

How Can I Get a Title Loan Without a Clear Title?

title loan without title

Looking to get a title loan without a clear title? Generally, you must have a clear title to a qualifying car in your name to apply for a car title loan. A clear title refers to a vehicle title that is free of any liens or legal claims, meaning that the owner has full ownership of the car. 

There are a multitude of reasons why you may not have a clear vehicle title. One reason could be that you still owe money on the loan used to purchase the vehicle, resulting in a lienholder having a legal claim to it. Or, if you have a title loan on your car, then a title lender most likely placed a lien on your car title after the loan was funded. Another reason could be that there is a legal dispute over ownership or an unpaid debt relating to the vehicle, which has resulted in a lien being placed on the title. 

Although you cannot get a title loan without the title in hand, it’s possible to apply for a title loan even if you are still making payments on your car. Additionally, you can try to refinance your current title loan if you aren’t happy with your loan terms. However, it’s worth mentioning that the application process for a title loan is a little bit more complicated if you do not have a clear title in your name. Contact a ChoiceCash title loan agent today at 855-422-7402 to discuss your options. Our helpful title loan representatives are available 6 days a week to assist you with all aspects of the application process.

What Do I Need to Get a Car Title Loan Without the Title in Hand?

You will not be able to get a car title loan without a vehicle title. Car title loans are secured loans, and the application process can be quite flexible in comparison to other loan options because collateral is used to guarantee the loan. In order to obtain a title loan, you will be required to use your vehicle title as collateral for quick funding. If you meet the initial application criteria and provide the necessary paperwork, you may receive your title loan funding in as little as one business day.1

You must have the following documents on hand during your title loan application:

  • A Driver’s License, Passport, or Another Valid, Government-Issued Photo ID
  • Bank Statements, Pay Stubs, or Another Document to Prove Your Income 
  • A Vehicle Title in Your Name
  • Recent Utility Bills, Credit Card Statements, or Lease Agreements to Prove Your Current Address
  • Some Recent and Clear Pictures of Your Car

The faster you upload your documents, the sooner you can find out if you qualify for emergency cash through a title loan! You can submit your paperwork online or send it via email / text message to a ChoiceCash title loan agent.1

If I Can’t Apply for a Title Loan with No Title, How Do I Get a Duplicate Title?

Since you can’t get a title loan without the title in your possession, 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 replace a lost or stolen vehicle title by following a few simple steps. The Department of Motor Vehicles in your state may be called by a different name, such as the Bureau of Motor Vehicles or Division of Motor Vehicles. But, generally, you can go there to fill out a few documents and replace a lost or missing car title. You may be able to request a replacement title at your local Secretary of State’s Office as well.

The required paperwork to obtain a duplicate title can vary from state to state, but you can expect to provide the following:

  • Information About the Car (Make, Model, and Year)
  • VIN (Vehicle Identification Number)
  • A Valid, Government / State-Issued Photo ID
  • Proof of Car Ownership (Vehicle Registration Form or Notarized Bill of Sale)
  • Completed Replacement Title Application Form

Typically, you will need to pay a fee to request this service. You should find out what form of payment is acceptable (cash, check, debit card, etc.).

Your car’s title is a document that can prove you’re the vehicle’s rightful owner. It also contains essential information about your car, such as the VIN, make and model, and your name. A vehicle title is necessary for registering and transferring vehicle ownership. Replacement titles typically take about two to three weeks to arrive, but that can vary from state to state.

Are you looking for more information on 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 can help you learn more about obtaining a duplicate title and applying for a car title loan online or over the phone.1

How Do I Apply for Online Title Loans Without the Title in Hand?

title loan without clear title

Searching for a way to apply for online title loans without the title? While you can’t apply for a title loan without a title in your possession, you can start the title loan application process from the comfort of your home! If you meet the initial requirements and gather the proper documents, applying for a ChoiceCash title loan serviced by LoanMart could be a breeze.1

Take a look at the three simple steps you must take to apply for emergency funding:1

  1. Submit a Short Prequalification Form Online or Over the Phone at 855-422-7402
  2. Upload Your Documents Online or Submit Them via Email or Text
  3. Find Out if You Qualify for a Car Title Loan!1

If you’re struggling to pay your bills due to the recent rise in inflation, you aren’t alone. Fortunately, you can apply for car title loans if you need quick funding to get back on your feet! If you have a qualifying vehicle title in your name, the application process could be quick and convenient.1

Call a ChoiceCash title loan agent at 855-422-7402 to find out what your options are. They are there to answer all of your questions and help you understand the title loan application process!

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.