Getting a Title Loan with Title Not in My Name

If you are searching for fast cash through a title loan, you might be wondering, “Can I get a title loan with a title not in my name?” Unfortunately, you will need a qualifying car title in your name to apply for a title loan. If the title is not in your name and you are the vehicle’s rightful owner, you must request a title transfer at your local Department of Motor Vehicles (or state equivalent). If this is the first time you are considering a title loan, you may wonder why having a vehicle title in your name is such an important part of the process.

Understanding the Importance of Car Titles and Title Loans

Simply put, a car title is a legal document that proves the legal ownership of a vehicle. A car title must be in your name and your possession to be sold to a private party or used as collateral for a title loan.1

If a title loan sounds like an ideal way to access fast cash, you’ll need to follow the appropriate steps to transfer the title to your name. While the exact steps to complete a title transfer may vary from state to state, you can typically start the process online or in person at your local Department of Motor Vehicles (DMV), Secretary of State facility, or other applicable government agency. In addition to having a completed title transfer form, you must provide the right paperwork to get your vehicle title in the right shape to apply for a car title loan, such as:1

  • Proof of Car Registration and the Original Title
  • In Some Cases, a Notarized Bill of Sale 
  • Proof of Your Current Address
  • A Valid, Government-Issued Photo ID Card, Like a Driver’s License
  • Cash, Check, or Another Acceptable Payment Method to Cover the Applicable Fees

Before you request a title transfer, research the requirements to see what you need to complete the process in your state. If you successfully transfer the title to your name, you can apply for a ChoiceCash title loan online from the comfort of your home! Call 855-422-7402 to learn more about the application process for ChoiceCash title loans serviced by LoanMart.1

How Can I Apply for a Car Title Loan Without a Title in My Name?

title loan with title not in my name

A title loan can be a valuable resource to consider when you’re facing a financial emergency. However, to qualify for a car title loan, an applicant must have a car title in their name to use as collateral for the loan. Getting a loan may seem impossible when you don’t have a title in your name.1

Fortunately, you can still apply for a car title loan if you take the right steps to transfer the title to your name! Simply visit the appropriate government agency in your state and submit the necessary documents to complete a vehicle title transfer. Once your car’s title has been officially transferred to your name, you can apply for a ChoiceCash title loan serviced by LoanMart online!1

Here is a step-by-step guide to applying for ChoiceCash title loans after you have the title in your name:1

  1. Submit a Short Prequalification Form Online or Over the Phone with a Title Loan Agent at 855-422-7402
  2. Upload a Few Documents Online to Verify Your Information (e.g., A Valid, Government-Issued Identification Card, Proof of Income, Proof of Address, and the Vehicle Title in Your Name)
  3. Have Your Documents Reviewed By a Title Loan Representative for Completeness
  4. If you are Approved, Review Your Loan Contract with a ChoiceCash Title Loan Agent and Discuss the Loan Terms
  5. Choose How to Get Your Money, Sign Your Loan Agreement, and Get Your Cash in as Little as 24 Hours!1

Follow these simple steps and apply for a ChoiceCash title loan without leaving your home! If you are trying to increase your chances of receiving approval, it may be helpful to know the title loan requirements in advance. Besides having a qualifying vehicle title in your name, take a closer look at the application criteria you will need to meet to qualify for a car title loan1

  • Ensure the Vehicle Has Enough Positive Equity to Qualify for a Title Loan
  • Have a Steady Source of Income to Show Your Ability to Repay the Loan

If you meet the initial requirements and gather the right documents, applying for a ChoiceCash title loan serviced by LoanMart can be a breeze. Contact a ChoiceCash title loan agent at 855-422-7402 if you have any questions about the title loan requirements or the application process.1

Can I Get an Auto Title Loan If the Title is Signed Over to Me?

As you may know, getting a title loan with a title not in your name is not possible. But what if a car title has been signed over to you? If a vehicle title is signed over to you, it means the ownership of the vehicle has been transferred to you! Once you complete the title transfer process, you can apply for a title loan.1

To transfer your car title to your name, take the endorsed title to your local DMV to finish the title transfer process and obtain a new registration and vehicle title. Depending on your state of residence, you may be required to provide additional documents besides a completed title transfer form, such as a signed bill of sale or odometer disclosure form. After the title has been transferred to your name, you can apply for the funds you need through a ChoiceCash title loan! If you qualify for emergency cash through a ChoiceCash title loan, you can access competitive interest rates, no balloon payments, and zero hidden fees!1

Is a Car Inspection Necessary if I Can’t Get a Title Loan with No Title in My Name?

title loan if the title is signed over to me

As previously stated, you can’t get a title loan without a title in your name. Once you have your vehicle title in the right shape to apply for a title loan, a vehicle inspection is necessary because your car’s value and current condition must be verified during your application. However, with a ChoiceCash title loan serviced by LoanMart, you have the option to complete the required vehicle inspection online. Just submit clear photos of your vehicle along with the rest of your documentation to skip the hassle of a physical car inspection!1

Below is the list of images you must provide to complete an online car inspection for an auto title loan:1

  1. The Front, Rear, and Sides of Your Vehicle
  2. The Current Odometer Reading on the Dashboard
  3. The VIN (Vehicle Identification Number)

These pictures are used during your application to verify the current condition and value of your car. Since your total loan amount is primarily based on the value of your vehicle, this examination is an integral part of your title loan application! Don’t hesitate to dial 855-422-7402 if you have any questions about car inspections or applying for online title loans!1

Need Fast Cash? Apply for Auto Title Loans with a Title in Your Name!

The application process for a ChoiceCash title loan was designed to provide prospective borrowers with a quick and convenient way to apply for emergency cash. You can fill out an online inquiry form and find out if you qualify for instant pre-approval today!1

Don’t wait to apply online and discover if you are eligible for the financial assistance you need! Even if you have bad credit, you still have the chance to secure a ChoiceCash title loan as long as you have a vehicle title in your name and meet the other title loan requirements! If you’re eligible, you can receive fast cash in as little as one business day if you choose direct deposit or have the money added to a debit card.1

Do you have any questions about applying for online title loans in your state? Don’t hesitate to call 855-422-7402 to speak to a ChoiceCash title loan agent. Or, feel free to visit the FAQ page to learn more about the car 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.