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Why Would I Need An Online Title Pawn?

We've all been in situations where a financial emergency comes up, and it becomes difficult to get a personal loan quickly. Most unsecured loans are tough to get approved for if you have bad credit or a history of late payments. A bank loan or installment loan will be your ideal choice for fast money as the interest rates are lower. But most of us can't qualify for a personal loan because of credit or employment problems. An online title pawn can be your best choice if you've exhausted the standard lending options.

With a vehicle title pawn, a borrower can use their car's equity as collateral to pay for unexpected expenses. The best part of a title loan is that you can still drive your car while making the monthly payments! These types of loans aren't for everyone. Still, they're a viable option for someone comfortable using their vehicle's equity to access cash.


Restrictions To Know For Title Pawns

States have different laws regarding car title pawns. Similar to payday loans and online cash advances, regulations on the books protect consumers from aggressive online lenders. Each state has specific lending limits and restrictions, so you should familiarize yourself with the latest legal regulations. That's why knowing if your state allows vehicle equity loans is helpful. It doesn't make sense to apply online only to find out you've been denied because of your state's lending regulations!

You also need to know the interest rates and financing terms for each company you compare. Some companies will quote you an APR similar to a short term loan. Others will be more in line with a personal loan company. Research the charges and terms for your title pawn before agreeing to a contract. Also, ensure your company allows an early payoff of your total amount. That way, you can get the pink slip back and not worry about a possible repossession if the payments fall behind.

Another reason to consider title pawns is that most lenders won't check your credit score when applying. That means you can be approved for fast cash despite no credit history. Now compare that to if you had applied for an installment or payday loan. A bad credit score will likely disqualify you from those unsecured loans, but poor credit is ok, as you're securing your vehicle to the amount borrowed! Online title loans are a viable alternative to payday advances and other short term loans. They have lower rates, and you can borrow more cash over a longer period, which means you'll likely pay less over the life of the loan.



    • The vehicle needs to be paid off
    • The car title must be in your name
    • Proof of DMV registration
    • Government-issued license
    • Current proof of insurance
    • Ability to pay back the pawn loans


Title Pawns - Common Questions


Can I Get Approved For An Online Title Pawn With Bad Credit

Yes, you can get approved for a title pawn if you have a poor FICO score or no credit at all! A decent credit history is helpful, but many borrowers who apply for title pawns have already been turned down for traditional personal loan offers. They turn to title loans because they are based on your car's resale value, and the fact that you may have poor credit doesn't factor into the underwriting process. Most lenders won't even check your credit and instead will only want to know if you have had a past bankruptcy or loan that defaulted.


How Much Cash Can I Get From Online Title Loans

The funding amount is primarily based on the current value of your vehicle. Cars that are 2006 and newer with low miles will get you a fair amount of cash. Expect funding amounts that range from $2,500 to $20,000, with higher amounts for valuable vehicles. Other factors influencing the loan amount include your current monthly income and proof that you can repay the loan. Even though you're pawning a car or truck as collateral for a loan, a title pawn lender still wants to verify that you can afford the monthly payments on their due date.


What Happens To My Vehicle When I Take Out An Auto Title Loan

Most people know that title loans are secured loans, which means you use a vehicle as collateral for the borrowed amount. But do you have to give up possession of the car to get the cash? Of course not! A lender should not require you to surrender the vehicle as collateral for a loan. You get to keep driving it for the entire duration of the loan. A title pawn company will ask for your vehicle's title so they can attach a lien to it. Once added as a lienholder, your lender can repossess and sell the vehicle if you default on the payments.


How Quickly Can I Get Money With A Title Pawn

There's a chance you can have cash in hand in one business day after submitting your title pawn application. Your lender will verify the title, underwrite the loan, inspect the vehicle, and then give you cash or deposit the check directly into your checking account. One of the great things about car title loans is that there's no paperwork to fax back and forth, which means approval doesn't take days. Title pawning companies who require documentation will only need proof of identification, proof of residency, and verification that you have an active bank account before approving your loan. If you apply for a title pawn online, the process can be completed just as fast, but you may need to wait 24 hours for the money to hit your bank account as you won't be able to get the cash in person.


Apply Online Or With A Title Pawning Company

Whether you apply on the Title Pawn Online website or call us, you can't go wrong with either choice. Those who apply with lenders near them can also see quick approval, but it will take some time to drive around and find someone with time to meet in person. The qualification requirements for both should be the same, and most companies will still ask for a vehicle inspection as the last requirement. One benefit of applying with a local title pawning company is that you may be able to pick up the cash that same day. Have the funds sent to your bank account through direct deposit, pick up the cash, or get a money order at any local lending location!

Benefits of Getting an Online Title Pawn

Bad credit doesn't mean you won't be approved.

You can sometimes get same day cash in hand.

Keep driving your car throughout the life of the loan.