Is it Possible to Get Title Loans That Don’t Require the Car?

No, it would be impossible to get title loans that don’t require the car because the vehicle is an essential part of the application process. Car title loans are secured loans that can allow qualified applicants to access a percentage of their vehicle’s value.  Generally, this percentage is anywhere from 25%-50% of the total value of the vehicle.1 Without the car, there is no collateral to secure the loan. 

Qualified applicants can pledge the title of their car or truck as collateral and access the quick funds they need for unexpected expenses. The two main characteristics that are used to determine an applicant’s loan amount and eligibility for emergency cash are:1

  • The Total Value of the Vehicle
  • The Applicant’s Income and Ability to Repay the Loan

Since the car is an integral part of an online title loan application, a title loan lender will require a vehicle inspection during the inquiry process. However, you may wonder if it’s possible to get a title loan without someone seeing the car in person. Thankfully, with a ChoiceCash title loan serviced by LoanMart, the vehicle inspection can take place online! Simply submit a few pictures of your car to skip the hassle of a physical vehicle inspection!1 Dial 855-422-7402 for more information about online title loans.

While it’s impossible to get title loans that don’t require the car, you can access a loan option that does not require a physical car inspection! Click here to learn more about applying for car title loans without the vehicle present.1

What Do I Need to Qualify for Car Title Loans Without the Vehicle Present?

Now that you know it is impossible to get title loans that don’t require the car, you may be curious about what you will need to qualify for an online title loan. One of the many benefits of a ChoiceCash title loan is that the initial requirements are straightforward and simple!1

Below is a list of the initial criteria applicants will need to meet in order to apply for title loans without the vehicle present at an inspection location:1

  • Be at Least 18 Years of Age
  • Have a Title to a Qualifying Car or Truck
  • Be Able to Provide Proof of Income or Alternative Income

You must have a title to a car or truck in your name in order to apply for a title loan. In some cases depending on the lender, you can apply for a title loan on a financed car. If you are still making payments on your vehicle, you will need to complete and sign a form authorizing the title lender to pay off the existing auto loan.1

Additionally, you must be able to show proof of income during your application because title lenders will need to verify your ability to repay the loan. If you do not have any recent bank statements or pay stubs to prove your income, don’t stress – you can submit proof of alternative income during your application instead! Some examples of alternative sources of income include the following:1

  • Workers’ Compensation
  • Supplemental Security Income
  • Disability Income
  • Retirement Income
  • Settlement Income

Contact a ChoiceCash title loan agent at 855-422-7402 if you have questions about applying for title loans without the car present.1 Title loan representatives are available six days a week to take your call!

Can I Get a Title Loan Without Bringing in My Car?

title loans that don't require the car

Are you looking for title loans without someone seeing a car? You will not be able to apply for a title loan without someone seeing the car, but you can apply for a title loan without bringing in your car! While an online title loan does not require a store visit, a car inspection is necessary to determine the value of your vehicle and its current condition. With ChoiceCash title loans, you can conveniently upload a few photographs of your vehicle online to complete a virtual car inspection. 

Make sure the photos of your vehicle include the following:

  • The Front, Rear, and Sides of the Car
  • The Odometer Reading
  • The Vehicle Identification Number (VIN)

Once the photos are ready, you can text or email them to a ChoiceCash title loan representative! You can also upload the required images online during your application. Don’t hesitate to dial 855-422-7402 if you have questions about the auto title loan application process.

One of the many advantages of a ChoiceCash title loan is that you can apply online and over the phone without leaving your home! Just use a smartphone or computer to begin the application process for online car title loans. If you obtain loan approval, you could receive competitive interest rates and quick funding in as little as one business day.1

What Documents Do I Need to Apply for Title Loans That Don’t Require the Car Near Me?

When you apply for a car title loan without the vehicle present, you will need to submit some documents to verify the application information you provided. Typically, you can find most of these documents at home, in your car, or in your mailbox! If you want to speed the application process along and save a little bit of time, you should gather the necessary paperwork ahead of time. 1

Once you have the necessary paperwork on hand, you can conveniently upload everything online. That means you could get a quick response from a ChoiceCash title loan representative if you are missing any documents or are ready to move on to the final step of the application process.1

Here is a list of the documents you must submit to obtain approval for title loans that don’t require the car in person:1

  • The Title to Your Vehicle: It’s important to remember that the vehicle title must be in your name to qualify for online title loans. If the title to your car does not meet the necessary criteria, you will need to contact your local Department of Motor Vehicles (DMV) to request a title transfer to your name! You can also replace a lost, damaged, or stolen title at the DMV by filling out an application for a duplicate title.
  • A Valid, Government or State-Issued Photo Identification Card: A copy of your driver’s license, passport, or state-issued ID is acceptable.
  • Proof of Address: You will be asked to provide a document that proves your current address. Typically, you can use recent utility bills, credit card statements, phone bills, mortgage statements, lease agreements, etc.
  • Proof of Income: You can provide recent bank statements, pay stubs, or alternative income to demonstrate your ability to repay a title loan during your application.1
  • References: In some cases, you may be required to provide a few references during your application. 

You will need to submit a few photos of your vehicle during this step of the application process as well. If an applicant submits the right documents and meets the initial criteria, they could get their money in as little as 24 hours if they qualify for a ChoiceCash title loan!1 Call 855-422-7402 if you have questions about car title loans that don’t require the car in person.

How Much Can You Get Through a Title Loan Without the Car Present?

title loans without vehicle present

An online car title loan can allow qualified borrowers to use their vehicle title as collateral to obtain the emergency funding they need for an unexpected bill or expense. Generally, qualified borrowers could access up to 50% of the current equity of their car!1 The amount of money you can be eligible for will primarily depend on the amount of equity in your car and your income.1

Keep in mind that the more value your car has, the more significant your loan amount could be if you can demonstrate your ability to repay the loan during the application process. While you cannot get title loans that don’t require the car, you can access a portion of the total value of your car and turn it into the quick funding you need to get back on your feet. Feel free to use ChoiceCash’s online calculator tool to obtain an equity estimate today! You can also get a loan quote that is free of obligation.1

Where Can I Get Title Loans that Don’t Require the Car Near Me?

You can’t get title loans without the vehicle present anywhere near you. But, did you know that you can apply for online title loans without the vehicle present at a specific location? It can be that simple with ChoiceCash title loans! Discover how much money you can potentially qualify for through a ChoiceCash title loan today! Go online or dial 855-422-7402 to get started on your loan application in no time.1

How Do I Apply for Car Title Loans Without a Car?

Ready to apply for a car title loan without the car present? All you need to do is take advantage of this quick, three-step application process that you can begin online:1

  1. Submit a Brief Inquiry Form Online or Over the Phone at 855-422-7402
  2. Submit Your Documents (Including the Recent Photos of Your Vehicle)
  3. Find Out if You Qualify and Obtain Your Loan Proceeds!1

Don’t hesitate to apply for the funds you need for an emergency through a title loan. Even if you have bad credit, you still have the chance to apply for a ChoiceCash title loan today! Click here to start your loan application, or call 855-422-7402 to get in touch with a ChoiceCash title loan agent.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.