Need some fast emergency money to pay an unexpected bill or make a costly purchase? If you have a bill of sale for your car, you may think that’s all you need for a car title loan. But it isn’t.

Keep reading to learn what documents you need to get an affordable car title loan and why you should consider inquiring for a ChoiceCash Title Loan!

Can You Get a Title Loan with Just the Bill of Sale?

If you recently bought your vehicle, you should have received a bill of sale from the seller. One of the main requirements for a car title loan is having a car. This means you should be able to inquire for a car title loan with just the bill of sale right? Unfortunately no.

To prove you legally own the car, you will need to provide a car title loan agent with a car title in your name. If you don’t have one, you may need to request a title transfer before you can inquire for a car title loan.

How to Get a Car Title in Your Name Using the Bill of Sale?

If you have a bill of sale, you could just use it to get a car title in your name for a title loan.

To get started on the title transfer process, you will need the seller to sign the back of your car title. By signing the appropriate line on the back of the car title, they relinquish ownership of the car. Once you have a signed car title, all you have to do is apply for a title transfer. Depending on your state, you could either apply in person at a Department of Motor Vehicle (“DMV”) facility or by mail. If you want to speed up the process, you should consider applying in person because you may get a temporary title that same day.

Besides the bill of sale, you will also need a couple different documents for a title transfer, such as:

  • A completed car title from the seller
  • A completed application for title transfer
  • A state ID or driver’s license

In addition, you will need to pay a fee for the car title transfer. The amount depends on your state, and the price can range from a few dollars up to a hundred. Before applying in person for a new car title, ensure that you check your state’s DMV website to verify what documents you need.

What if I Want a Car Title Loan but I Didn’t Get a Bill of Sale?

If you didn’t receive a bill of sale because the car was given to you as a gift, you will still need to create one and have it signed by the individual that gave you the car. Without a bill of sale, you will not be able to request a title transfer or get a title loan.

Download and print the bill of sale form from your states motor vehicle website. The bill of sale form will require specific information about your car, such as:

  • The date of the sale (if the car was a gift, just use the date you received the car)
  • Selling price (if the car was a gift, indicate so on the bill of sale form)
  • Details of the car (make and model, mileage, license plate, VIN, etc.)
  • The full name, address, and signature of the seller/gift giver

Once the bill of sale form is completed and signed by the person who gifted you the car, make a copy for yourself as a backup. With a completed bill of sale, you can now apply for a car title transfer to get a title loan.

How Long Does it Take to Get a Title Loan with the Bill of Sale?

If you complete the car title transfer process using your bill of sale, and want to get a title loan, you may wonder how long the process takes.

Title loans remain one of the most popular loan options because they provide relatively quick financial relief. With ChoiceCash Title Loans, the inquiry process may only take up a few minutes of your time!By using the online title loan calculator, you could find out how much the vehicle could be pre-approved for!1

And if approved for a title loan, you can expect to receive your emergency money in as little as 24 hours!1

The money can be used for a wide array of emergencies, such as:

  • A costly dental procedure such as a root canal
  • A hospitalization bill that is over your budget
  • An expensive and necessary veterinary procedure
  • Replacing an airbag in your car
  • Consolidating your credit card debt
  • Repairing a damaged roof
  • And much more!

With a ChoiceCash Title Loan, you could potentially get the money you need swiftly and easily.1

Besides the Bill of Sale, What Documents Do I Need to Get a Title Loan?

Having a bill of sale allows you to get a car title in your name, which you can use to get a title loan! But what other documents are needed to complete the title loan process?

Take a look at some the documents you will usually need to get a title loan:

Car Title

The car title is a necessary document to get a title loan. If you don’t have a car title in your name, you must obtain one at your local DMV.

Proof of Identification

To prove your identity to a title loan agent, you will need a government issued photo ID. You can choose to show a state ID, driver’s license, or U.S. passport. You will also need to provide a Social Security number (“SSN”) for a title loan. If you don’t have a SSN, you can use your ITIN or Matrícula card.

Proof of Residence

Proof of residence is required to confirm you live at your current place. You can choose to show a title loan agent a lease agreement, phone bill, utility bill, insurance statement, etc.

Proof of Income

To get a title loan you will need to show proof of consistent income. This shows a title loan agent that you receive or have enough money to make monthly payments on time. You can show paycheck stubs, bank statements, a workers compensation letter, Social Security benefit statements, etc.

Photos of the Car

The approval process for a title loan will require you to complete a car inspection. But when you work with ChoiceCash Title Loans, you can skip the in-person inspection and just do it online. You will be required to answer a few questions about your car and upload some photos online.

To take photos of your car, park it outside so you get the best bright lighting for your images. Take pictures of every angle and include a photo of the vehicle identification number.


References are required for a title loan. However, you can usually choose to provide professional references, personal references, or a mix of both.

Get a Title Loan Using Your Bill of Sale Today

If you have a bill of sale, you could potentially be able to get a title loan the same day!1

If you visit a local DMV and apply for a car title transfer, you could get a temporary car title in your name the same day. You could then use that car title to inquire for a ChoiceCash Title Loan online!If approved, it is possible that you could get the financial support you need the exact same day!1

ChoiceCash Title Loans are unlike traditional title loans. Qualified borrowers could get unmatched benefits that make the repayment process financially better! How?

With a ChoiceCash Title Loan, you could get low monthly payments that get lower and lower each month that goes by!2 This means that each month you make a title loan payment, you could keep a little more money in your pocket! With the money you save, you could start a savings account or treat yourself!

By the time you make your last ChoiceCash Title Loan payment, you could be paying half as much as your first payment!2 No other title loan offers this type of incentive! But that’s not all.

The repayment process was made with complete transparency in mind. This means that there are no hidden fees, no balloon payments, and no prepayment penalty fees. You receive the freedom to repay your ChoiceCash Title Loan as early as you want without having to worry about extra charges.

Inquire today for a ChoiceCash Title Loan if you have a bill of sale and a car title in your name! You could find out if you pre-qualify in minutes! Call (855-422-7402) 277-4847 to find out more.