Unexpected financial emergencies can occur to anyone and when they do, they typically require fast action. Secured loans typically come with flexible requirements, and if you have a car, you could inquire for a title loan!

But you may wonder, “Does my car need to be paid off to get a title loan?” The answer is no!

How to Qualify for a Title Loan if My Car is Not Paid Off

With ChoiceCash Title Loans, your car does not need to be paid off in order to qualify! As long as the car has enough equity, you could qualify for financial support.1 To find out how much equity is in your car, you subtract the current value of the car by the remaining principal amount of the loan.

If your car is worth more than the auto loan, then the car has positive equity. But if your car is worth less than the loan, then it has negative equity. With positive equity, you stand a good chance of being deemed eligible for a title loan!1

My Car is Not Paid Off, How Much Could I Get with a Title Loan?

If your car is not paid off, it could still qualify for a title loan if it is valuable. The value of your car is determined by many factors, such as:

  • Make: The make of your car is essentially the brand. Some brands are more popular than others, and the make could greatly affect the value of the car.
  • Model: The model is the auto brand’s product. Some valuable models include Ford Mustang, Honda Civic, Chevrolet Corvette, and more.
  • Year: The vehicle year is the time when the car was built. The 10th character in the VIN sequence represents the vehicle year. If your car is old, it could still be worth a lot depending on other factors such as the make and model.
  • Style: The style is the shape of the model. Different styles also have different features which could affect the value of the car.
  • Mileage: Mileage is the amount of miles your car has traveled. Having high mileage may not disqualify you from

If you don’t currently know how much your car is worth on the market, you could easily find out by using an online title loan calculator. Input your vehicle year, make, model, style, and current mileage and you could potentially get a free estimate for a title loan!

Documents Required for a Title Loan if Car is Not Paid Off?

The documents for a title loan are minimal, and with an online title loan, you could conveniently upload them all online. Simply scan the documents onto a computer or take pictures using a smartphone!

These are the general documents you may be asked to provide for title loans if your car is not paid off:

Car Title

If your car is not yet paid off, this may not disqualify you from title loan funding. However, the car title must be in your name for approval. If the car title is not currently in your name, you must request a title transfer at your local Department of Motor Vehicles.

Photo Identification

A title loan agent will ask that you provide a government-issued photo ID to prove your identity. For example, you could use a passport, driver’s license, or state ID.

Proof of Your Address

To demonstrate that you currently live where you say you do, you could provide an agent with recent utility bills, a rental agreement, a house deed, insurance statements, etc.

Proof of Income

Aside from the car, your income is one of the main qualifying factors for a title loan if your car is not yet paid off. To prove your ability to repay the loan on time, you could provide paycheck stubs, bank statements, government award letters, PayPal documentation, etc.


If you’re attempting to get a title loan, you may be asked to provide professional or personal references.

Steps Required to Inquire for a Title Loan if Car is Not Paid Off?

If your car is not yet paid off, you may still be able to get a title loan if your car has enough equity and you can show proof of income! Best of all, when you work with ChoiceCash Title Loans you could get benefits that keep more money in your pockets!

The inquiry process for ChoiceCash Title Loans is secure and fast. The first step is to establish contact, which can be done by calling 1-855-914-2945 or by submitting an inquiry form online.

A title loan agent will ask for some information about your car to determine its current value. If your car is not paid off but it’s worth enough money, your vehicle may be preapproved for emergency funding. You could then turn in your documents to a loan agent. Once your information is verified, you could be fully approved for a title loan!1

ChoiceCash Title Loans, serviced by LoanMart could offer eligible borrowers unmatched benefits and affordable terms that get lower each month!2 Inquire today and make the most of your emergency money.