Is it Possible to Get a Title Loan Without Registration?

Why, yes! In most states, you can get a title loan even if your car isn’t registered or your registration is past due. That is because, in most states, the respective state’s Department of Motor Vehicles (DMV) will allow a title loan lender to place a lien on your car title even if your registration is past due. 

Suppose the title lender you work with is a licensed registration service in the applicable state. In that case, the lender may be able to pay the registration fees and any past due fees directly (past due fees can include outstanding tickets / fines). If the lender pays the fees on your behalf, they will be included in the total loan amount. Otherwise, you can use your loan proceeds or a portion of your loan proceeds to pay your past due registration directly to the DMV. 

Learn more about the steps toward getting an auto title loan without registration today! Just fill out this brief pre-approval form online to apply for a ChoiceCash title loan near you. Or, call 855-914-2945 to speak directly with a ChoiceCash title loan agent!1

title loan without registration

How Can I Apply for Car Registration?

Almost every state in the U.S. requires vehicle owners to have valid vehicle registration. You may face fines or legal trouble if you are caught driving without valid proof of registration. Drivers must renew their registration either yearly or every few years, depending on where they live. 

Car registration is important for many reasons. One of the most relevant reasons, however, is that you may need it to apply for a title loan in a state that requires it! If you don’t have this paperwork for some reason, there are simple ways to replace your missing document or obtain a new one. 

Each state has its own rules for dealing with car registration. Some states may hand out cards, while others provide drivers with documents that have stickers to place on their license plate. 

New Vehicle Registration

If you’re a new car owner, you must register the vehicle in your state. Remember that car registration can cost money, so prepare to spend anywhere from $50-$200 depending on where you live. 

You may handle the vehicle registration on site if you purchase a brand new car from a dealership. If you’re buying a used car or one from an individual seller, you must visit a DMV, or a registration service location (such as certain AAA locations), to complete the registration process.

Lost / Stolen Registration

Suppose you lost or misplaced your vehicle registration card. In that case, you can get a replacement registration card through your DMV, but you must resubmit the necessary paperwork and an application. There is usually a small fee associated with this service. Generally, the steps to obtain a replacement card are the same no matter which state you reside in: fill out an application and pay a replacement fee. 

Remember that you could obtain an application in person, or print it out from the DMV’s website. Some DMVs could allow you to fill out the application online! 

To obtain a duplicate registration card, you must fill out the paperwork with pertinent information, such as your name and current address. Additionally, you might need to provide proof of valid, government-issued identification (typically a driver’s license), license plate number, and Vehicle Identification Number (VIN). In some states, you may have to provide the make, model, and year of the vehicle, as well as its current odometer reading. Make sure you have proof of car insurance as well, in case you need it. 

Depending on the state, the replacement fee can range from $2 to $20. In some states, applicants are charged additional fees to use the DMV’s online services. If you contact your local DMV, they should be able to provide you with the total cost of replacing the vehicle registration.

What Documents Are Required for Car Registration?

Applying for car registration can be simple, but there are some documents you must submit to obtain approval. Make sure you have the following documents on hand before you head to your local DMV:

  • A Vehicle Title in Your Name 
  • Passing Grade on an Emissions / Smog Check (In Some States)
  • Car Insurance Depending on the State
  • Proof Your Vehicle Passed a Safety Inspection(In Some States)
  • Valid Government or State-Issued I.D. 

Be aware that some states may require specific documents or other forms. Contact your local DMV to ensure you have the necessary paperwork to register your car. 

Once you submit the required documentation, you may be handed temporary license plates and documents while you wait for the permanent ones to arrive in the mail. Depending on your location, that process may take anywhere from 4-6 weeks. While receiving your official car registration can take a while, the temporary plates and documents will allow you to continue driving your vehicle while you wait. 

title loans without title

How Do I Qualify for a Car Title Loan Without Registration?

While getting a car title loan without registration is possible, you may still need to meet some initial qualifications. The good news is that the title loan requirements can be simple and easily understood.1

With a car title loan, your vehicle title is the collateral for the loan. That makes the approval process much more flexible and straightforward!1

However, to qualify for an online title loan, you will need to meet the initial criteria:1

  • Be 18 Years of Age or Older: You must be an adult to apply for title loans within the United States. 
  • Have a Qualifying Vehicle with a Title in Your Name: To begin the title loan application process, you will need a qualifying vehicle title in your name. However, if you’re financing your car, you may still be eligible for an auto title loan if your vehicle has enough equity to qualify as collateral.1
  • Possess Enough Positive Equity in Your Car: A prospective borrower must have a vehicle with enough equity to qualify for funding at the time of their application. Title lenders examine the car’s value closely when determining an applicant’s eligibility and loan amount. The more your vehicle is worth, the higher your loan proceeds may be. It’s okay if you’re unaware of your car’s current value. You could always use the ChoiceCash online calculator tool to get a quick estimate of your vehicle’s equity.1
  • Provide Proof of Your Ability to Repay a Car Title Loan: You wouldn’t need a traditional career or 9-5 job to meet this requirement. Title loan applicants can use various alternative forms of income to prove their ability to pay off a loan, such as: bank statements, pay stubs, workers’ compensation, or proof of pension income.  

It takes no time at all to find out if you qualify for an auto title loan. If you meet the initial requirements and obtain approval, you could receive quick funding in as little as one business day with a ChoiceCash title loan serviced by LoanMart!1

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What are the Documents Needed to Get an Auto Title Loan?

In addition to meeting the initial title loan requirements, you must submit some documents during your loan inquiry. The paperwork is used to verify your information and the value of your vehicle. 

You can expect to hand in the following documents when you apply for a car title loan:

  1. Proof of Residency
  2. A Car Title in Your Name
  3. Verification of Reliable Income
  4. Proof of Valid, Government or State-Issued Photo ID Card
  5. Recent Photos of Your Vehicle (Back, Front, Sides, Odometer, VIN

You can conveniently upload your documents online. Additionally, you can text, email, or fax them to a ChoiceCash title loan representative! Applying for auto title loans can be that simple and convenient. Contact a ChoiceCash title loan agent at 855-914-2945 if you have questions or concerns about this step in the approval process.1

Get Your Car Registration and Apply for a Title Loan Today!

While getting a title loan without registration is possible, you are putting yourself at risk if your car is not registered. Depending on your state, if you’re driving a vehicle without legal registration, you can face hefty fines or have to appear in court if the police pull you over. 

You should be able to apply for car registration fairly easily, and knowing you are covered can be a big relief. Today is the day to go to your local DMV with your documents and drive safely!

Once you have all your ducks in a row, you can confidently apply for a ChoiceCash title loan! You can start the approval process by filling out a short online inquiry form. Or, get started by calling a ChoiceCash title loan agent at 855-914-2945. Qualified borrowers may obtain their money in as little as 24 hours!1

Frequently Asked Questions:

Unfortunately, you need a current car registration certificate to inquire about car title loans. This paperwork is a legal requirement for almost all car owners across the country, and driving without registration is usually against the law.

Registering your car can be simple! You need to go to the DMV in your area, provide them with specific information about your vehicle, the necessary paperwork, and they will send you plates in the mail.

You need current car registration proof during an online title loan inquiry so lenders can verify that you are the owner. Without this information, you can’t move forward with your application. However, applying for car registration can be simple.

Car registration certificates will cost money, but the price varies depending on the state and can be anywhere from $50 to $300. You can charge the amount to a credit card and then use a title loan to relieve the financial stress later on.

Car registration is official proof of who owns the vehicle and that it’s safe to drive. You must renew your registration every one to two years and can face legal consequences if you’re caught driving with expired tags.