A car title loan is an easy way to borrow fast money by using the equity in your car as collateral. Since collateral is required to qualify for the title loan, you might be wondering if you can get a title loan without the car present.

The vehicle is the most important piece to the puzzle when it comes to title loans. Without the car, there is no collateral to borrow equity from and secure the loan.

There is an opportunity to get a title loan without the car inspection that is often required to be in-person. These inconvenient inspections are required by some title loan providers, but not all.

If you are looking for online convenience and a hassle-free approval process, you have options!

What is a Car Title Loan?

Car title loans are secured loans that can allow a borrower to use their vehicle’s title to get cash. With a car title loan, the approval process has been streamlined to help borrowers without a strong credit history in a financial emergency.

To qualify for a car title loan, these requirements must be met:

  1. Have a Vehicle with Equity
  2. Have a Steady Income or Alternative Income
  3. Possess a Vehicle Title in Your Name

These requirements are simple but are a necessity for a car title loan. Since collateral is used to secure the loan, the vehicle must have a significant amount of equity to borrow from. The borrower must also have the income to support a loan payment each month.

While you are using your vehicle’s title to secure cash, you can continue to drive it normally if you make your loan payments on time. This convenience, along with the simplicity and hassle-free approval process is why title loans are a popular alternative funding choice!

How Can I Get a Title Loan Without the Car Inspection?

It is possible to get a title loan without the car inspection in-person! With loan options like ChoiceCash Title Loans, an alternative accommodation can be found online. By simply submitting a few photos of your vehicle during the approval process, you can skip an in-person inspection.1

These photos of your vehicle include:

  1. The Back, Front, and Sides of the Car
  2. The Odometer on the Dashboard
  3. The VIN (Vehicle Identification Number)

With these photos, a loan agent can identify and determine what the condition of the vehicle is. This information can also help establish the equity of the car, which will contribute to the loan amount you can receive after loan approval!1


Is Perfect Credit a Requirement for Car Title Loans?

While your focus may be on how to get a title loan without the car present, another worry of yours could be your credit history. If you are in a tough financial situation, your credit may have been hit hard. While poor credit history or no credit history will make you too much of a risk to qualify for many traditional loan options, a title loan can be different.

With a title loan, the collateral for the loan assumes most of the risk to lend to a borrower without a strong credit history. While your credit may be considered, it is not the focus of the approval process. Instead, these two factors will matter the most:

  1. The Value of Your Collateral
  2. Your Ability to Repay the Loan

Title loans are an alternative loan option that can allow borrowers use their vehicle’s title instead of their credit history to secure funding. Even if you are not confident with where your credit is currently at, you may still qualify for a car title loan!1

The Approval Process to Get a Title Loan Without the Car

The approval process to get a title loan without the car inspection in-person can be simple. With loan options like ChoiceCash Title Loans, the entire approval process can be completely online or over the phone for your convenience!1

You can expect a simple, hassle-free process that is only three steps:

  1. Submit a Loan Inquiry Online, or Over the Phone: To get started on your title loan, you will need to submit an inquiry. Just answer a few questions about your car and income to see if you are prequalified. To get started now you can call 855-914-2945.
  2. Send in a Few Documents: Once your information has been received, a loan agent will reach out and ask you to submit a few documents online, via email or fax. These documents can help verify your information and speed the process along. By submitting those photos of your vehicle, you can skip an in-person car inspection as well.
  3. Get Approved and Collect Your Funds: After your documents have been looked over, the last part of the approval process is to sign your loan contract and collect your funds if you qualify for a title loan! 1 It can take no time at all to see if you qualify for the cash you need.1

The Benefits of a Title Loan Without the Car Present

A car title loan can offer a borrower more than just cash to cover an unexpected expense or financial burden. ChoiceCash Title Loans can offer borrowers these benefits to take advantage of after the approval process:1

  1. Payments Start Low and Can Get Even Lower2: You can get rewarded for doing something as simple as paying back your title loan on time! ChoiceCash Title Loans can offer borrowers the opportunity to have their interest and monthly payment lowered.2 By the time you make your final payment on your loan, the monthly payment could be reduced to half.2
  2. Get Your Cash Faster: Through ChoiceCash Title Loans, qualified borrowers can get their cash in as little as 24 hours!1
  3. Keep Your Keys: For a title loan, your vehicle’s title will be collateral for the loan. However, you can continue to drive your car like it is business as usual if you make your payments on time!1

Where to Apply for a Title Loan Without the Car Online

Ready to get a title loan without the car inspection? ChoiceCash Title Loans is waiting for you! Take advantage of the online car inspection and get your financial needs met through a car title loan.1

Get started on your secure title loan today by placing a short inquiry online or over the phone with a representative at 855-914-2945. You could get the cash you need in as little as one business day!1