Get Help With Your Financial Struggles Through a Title Loan

Norfolk, Virginia, is a significant American town for many reasons. For starters, it’s settled within the scenic Chesapeake Bay and home to the world’s largest naval base. The downtown area is booming, which can make this a great place to raise a family.

However, just because an area is nice doesn’t mean its residents can’t struggle. You aren’t alone if you are experiencing a tough financial time while living in Norfolk, Virginia. The majority of Americans are feeling their wallets tighten thanks to the recent inflation rise, which can cause everything to cost more money even if paychecks are staying the same.

If you’re falling behind on rent payments, or need help with an unexpected bill, but also suffer from a poor credit score, you may think you don’t have many options. The great news is that you might! You can inquire about a ChoiceCash title loan serviced by LoanMart to receive access to quick funding.1

Unlike traditional loans, a car title loan inquiry and approval process can be quick, convenient, and straightforward.1 Don’t let the stress of needing money overwhelm you– inquire about a ChoiceCash title loan serviced by LoanMart today by filling out this pre-approval form or calling 855-422-7402.

Advantages of a Car Title Loan in Norfolk, Virginia

When most people think about borrowing money from a bank, they probably imagine a stressful, complicated, and time-consuming experience. That’s because some traditional loans can have strict requirements, with the whole situation feeling very bureaucratic. With a ChoiceCash title loan serviced by LoanMart, borrowers may enjoy a much simpler process when they inquire about money!1

Below are the benefits you can expect from entering into a car title loan agreement in Norfolk, Virginia:

Hassle-Free Inquiry Process:

Applying for any loan agreement will have specific criteria that need to be met, but some options can be more flexible than others. ChoiceCash title loans can offer a hassle-free experience to interested borrowers during the inquiry process. That’s because the requirements are straightforward and simple. People from various financial backgrounds are welcome to inquire!

For example, you don’t need to work a traditional 9-5 to potentially qualify for funding! Many alternative income sources may be acceptable during the approval process. On top of that, having a poor credit score won’t necessarily disqualify you from obtaining approval for a title loan.1

Simple Pre-Approval Form:

Experiencing financial hardship can make it feel like you’re drowning. If you’re struggling to stay afloat with your bills or to cover an unexpected expense, you could consider inquiring about a ChoiceCash title loan serviced by LoanMart!

The pre-approval form only takes a few minutes to complete, which can be convenient for people experiencing an emergency and needing to explore their options quickly.1 You can start by filling out the inquiry form or calling 855-422-7402 to speak with a ChoiceCash title loan representative!

Continue Driving Your Vehicle:

If the residents of Norfolk, Virginia, are like the rest of America, then they probably rely on their vehicles for daily transportation. In fact, people spend an average of 55 minutes per day behind the wheel within the U.S. You may wonder what happens to your car with a title loan agreement, and the answer is simple– borrowers can continue driving their vehicles during repayment!

However, this privilege only extends to people who pay back their loan proceeds on time. As long as you keep up with your payments, you can keep using your car like you normally would.1

Several Repayment Options:

Speaking of repaying your loans, there are several convenient ways to do so with a ChoiceCash title loan serviced by LoanMart! There is even an option available for people who prefer paying in person. You can:

  • Set up Automatic Payments With Your Bank Account
  • Send a Check in the Mail
  • Visit a Participating Money Transfer Location in the Norfolk, Virginia, Area
  • Pay Online or by Phone

Paying back your funds can be hassle-free with a ChoiceCash title loan serviced by LoanMart!1

How Do Title Loans Work in Norfolk, Virginia?

If you’re a resident of Norfolk, Virginia, and you’re struggling with your money, you probably want to explore available help as quickly as possible. However, it’s equally as important to understand the differences between loan options before jumping in and applying. This way, you can make the most educated financial decision for your future!

Auto title loans are relatively straightforward agreements. They work by allowing a person to use the available equity in their vehicle as a way to borrow money. If you obtain approval, the lender places a lien on your car title and removes it once the money is paid. You are essentially borrowing money by using collateral.

The reason why auto title loans are called “secured loans” is that they rely on physical collateral (your car title) to secure the funding. On the other hand, some traditional loans are ‘unsecured‘ because they don’t involve any physical asset during approval or repayment.

Instead, traditional loan lenders look at a person’s credit history to determine whether or not they are financially responsible enough to handle a loan. This requirement is why obtaining approval can be challenging! If your credit score is too low, they may deny you funding. If they approve you, then you can face high-interest rates or even hidden fees.

With a title loan, lenders will look at your credit score, but it’s not necessarily the main focus of approval. With a ChoiceCash title loan serviced by LoanMart, these two factors will matter the most during the inquiry process:

  1. How Much Available Equity Is in Your Vehicle
  2. If You Have the Ability to Pay the Loan Back

Having positive equity in your car is important during an auto title loan agreement because it can affect your potential approval and loan amount.

It’s also crucial for an applicant to demonstrate that they can repay the loan! Many alternative income options may be acceptable during approval, which is great for people from Norfolk, Virginia, that may have unconventional income circumstances.1 Keep reading to learn more about the types of alternative income that can be accepted.

What Are the Requirements for a Title Loan in Norfolk, Virginia?

Understanding the requirements for a car title loan in Norfolk, Virginia, is important before a person inquires about funding! The criteria involved can be straightforward and simple to understand. You must:

  1. Be an Adult at Least 18 Years of Age or Older
  2. Have a Qualifying Vehicle Title in Your Name
  3. Have a Qualifying Vehicle With Some Positive Equity
  4. Demonstrate Ability to Repay a Title Loan

Some loan options are available to minors in the U.S., but auto title loans are not one of them. You must be at least 18 years of age or older to begin an inquiry for funding.

Next, you must have a qualifying vehicle title in your name to inquire about this agreement! However, if you’re still making payments on your car, the lender may have you sign a form authorizing them to pay the remainder of the car loan. Then, the remaining balance of your car loan will be added to your total title loan amount if you are approved.

As a Virginia borrower, you may need to complete the “Application For Transfer And Supplemental Liens” form before finalizing your loan. These conditions and documents can vary depending on which state you reside in.

You must also have a qualifying vehicle with positive equity during a title loan inquiry. Your potential approval and loan amount can depend on how much equity is in your car, so it’s crucial to find out! You can use this helpful online calculator tool, which is free of obligation to ChoiceCash title loan borrowers if you want to receive an estimate.1

You can also use websites like Edmunds to compare your car’s value against the current market trends!

What Types of Income Are Accepted During the Approval Process for a Title Loan?

Finally, interested borrowers must demonstrate the ability to repay their potential loan funds before they pass approval for a car title loan. With a ChoiceCash title loan serviced by LoanMart, many alternative income sources may be acceptable, relieving people from various financial backgrounds!1

Below are income examples that may be acceptable during a title loan inquiry:

  • Worker’s Compensation
  • Social Security Benefits
  • Child Support/Alimony Payments
  • Pension Income
  • Retirement Income
  • Settlement Income
  • Some Self-Employment

If you have questions about your vehicle title or income circumstances, contact a ChoiceCash title loan representative to learn more about the title loan inquiry process by calling 855-422-7402.1

title loans norfolk

Inquire About Title Loans in Norfolk, Virginia, in Three Simple Steps

Inquiring about title loans in Norfolk, Virginia, can be as simple as pulling out your smartphone or computer. Only three main steps are involved with the process, which means it can be an excellent option for people experiencing a financial emergency.

  1. Decide How You Want to Inquire About Funding

You can inquire about a ChoiceCash title loan serviced by LoanMart through two convenient ways, and neither requires finding a brick-and-mortar location in the Norfolk area. You can choose to fill out this pre-qualification form or call 855-422-7402 to speak directly with a ChoiceCash title loan agent.1

When a financial emergency happens, people want to solve their problems quickly! Online title loans can be a helpful solution if you need to access money fast.

  1. Collect the Documents

The second step is essential and involves gathering a few documents for your title loan inquiry. It’s best to ensure you can find these before starting to save time and energy! Contact the Virginia DMV to learn about paperwork replacement procedures if you’re missing anything mentioned.

To get approved for a title loan in Norfolk, Virginia, or surrounding cities like Petersburg and Suffolk, you’ll need to provide some documents for verification. While specific requirements may vary by state, here’s a general list:¹

  • Valid Government or State-Issued Photo I.D.
  • Proof of Residency in Virginia
  • Proof of a Qualifying Vehicle Title in Your Name
  • Proof of Steady or Alternative Income
  • Recent Photos of the Vehicle

You must be 18 years of age or older to inquire about a ChoiceCash title loan serviced by LoanMart. You can prove this with a valid government or state-issued photo I.D., like a driver’s license or passport.1

Secondly, you must prove that you reside within the state where you’re inquiring about title loan funds. A ChoiceCash title loan can be available in many locations, but not all of them, so it’s important to prove where you live. You can do so by providing a piece of official mail, like a recent utility bill or bank statement.

Thirdly, you must show proof of a qualifying vehicle title in your name to pass approval for a title loan potentially. The agreement depends on using the title as collateral, so it’s crucial to provide this! If the car title is not currently in your name, contact a title loan agent and see what your options are to get your title in the right shape to apply.1

As mentioned earlier, you must show proof of a steady or alternative income during the inquiry process. Federal law requires that lenders check an applicant’s income and ability to repay the loan before approving a loan agreement. This safeguard protects people from potentially predatory lending practices and manipulation!

Finally, you must take recent, clear, and direct photos of your vehicle. You can submit them online for the required vehicle inspection. Title loan lenders will look at the car’s overall condition when determining your approval for funding.

You can conveniently send this paperwork online via email or fax!

  1. Obtain Approval and Receive the Money

The last step during a title loan inquiry is awaiting approval and receiving the money! The process can be simple if you meet all the requirements and provide the correct documentation. Qualified borrowers have several options for obtaining their money. They can:

  • Direct Deposit Into a Bank Account
  • Have the Funds Deposited Into Your Debit Card
  • Receive a Check in the Mail
  • Head to a Participating Money Transfer Location in the Norfolk, Virginia, Area

What Are the Risks of a Car Title Loan Agreement in Norfolk, Virginia?

It doesn’t matter what type of loan agreement you enter– there will always be risks associated with any transaction. It’s important to make yourself aware of the risks before jumping into a loan agreement. Learning about how some loan options operate is a great way to become financially literate.

Car Repossession:

The most obvious risk associated with a title loan agreement is car repossession by the lender. Car title loans allow people to borrow money using their vehicle title as collateral. If you fail to make payments, the lenders can legally repossess the vehicle and sell it to compensate for lost profit.

Repossession may sound extreme, but it’s relatively common amongst secured agreements! For example, if you stop paying your mortgage back, the bank can foreclose on your home.

However, car repossession is the last move any lender wants to make. If your circumstances change and paying back your title loan is a big challenge, contact the lender immediately to explain the situation! They may be able to devise an alternative plan that suits both of your needs.

Pay Your Loan Back on Time:

Missed payments can have the most significant impact on your credit score. If you’re worried about your score lowering, the best thing you can do is consistently pay things back on time!

Consider setting up automatic withdrawals from your bank account for specific monthly bills. This system saves you the stress of remembering different dates.

Inquire About a Same Day Title Loan in Norfolk, Virginia, Today!

Life is unpredictable. You may not have a savings account to cover an unexpected bill or expense that life throws your way. Maybe the family pet is sick and needs to see an emergency veterinarian, or you need help covering rent payments to stay afloat.

There are plenty of reasons why people may need extra money now and then. The important part is remembering that you may have options available, even with a poor credit score!

You can inquire about a ChoiceCash title loan serviced by LoanMart if you live in the Norfolk, Virginia, area. The process can be simple, convenient, and quick, which is excellent for people who need help during an emergency.1

Start on a title loan inquiry today by filling out this pre-qualification form or calling 855-422-7402 to speak directly with a ChoiceCash title loan agent.


Available to Norfolk, Virginia residents since October 2020, ChoiceCash title loans has proudly provided convenient access to credit to Virginia borrowers for several months. As one of the premier title loan options in Norfolk, ChoiceCash has already provided funding for more than 175 Norfolk, Virginia residents. Since becoming available in Norfolk the average loan amount for ChoiceCash customers has been $3,383.1 The average mileage for vehicles used to obtain a ChoiceCash title loan in Norfolk, Virginia has been 139,468. But don’t worry if your car has more miles – there is no specific maximum odometer reading that your car needs to comply with in order to be eligible for a ChoiceCash loan.


Pay back your car title loan in Norfolk at any MoneyGram location in Virginia. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

Addresses shown display closest MoneyGram locations. Map displays all MoneyGram locations in general vicinity.

    Locations near Norfolk, Virginia

    ChoiceCash is proud to service residents all over Virginia including metro areas Virginia Beach, Chesapeake and Arlington. Call 855-422-7402 to discuss your options with a loan expert, or see the city list below to see where your MoneyGram locations near Norfolk:

    Featured Locations near Norfolk, Virginia

    Nearby States by Virginia That offer a ChoiceCash Title Loan