Can I Get a Title Loan if the Title is Not in my Name?

Title loans serviced by LoanMart use the title of your vehicle and your ability to pay the loan back to determine how much you may qualify for. 1 Without the title of your car, it defeats the purpose of the car title loan.

Is There a Fee for Replacing my Car Title When the Title is Not in My Name?

Unfortunately, there is a fee for replacing the title of your vehicle. It may vary between states, from as small as $4 to as much as $95. Some states may also charge additional fees on top of that.

Can I Apply for a Refinanced Loan if I Have a Title Loan and a Lost Title?

If you have a lost title, you need to first get a copy of your car title. Once you have completed the process to replace a lost title, you could start the refinance process! 1

Get a Title Loan with a Signed Over Title

Q: How Can I Get a Title Signed Over to Me for a Title Loan?

To start the car title transfer process, the current owner of the vehicle first has to sign the car title to release ownership. Then, you must visit your local Department of Motor Vehicles (DMV) to request a new car title and registration with your name.

Table of Contents

Is it Possible to Get a Title Loan with a Signed Over Title?
What Do I Need to Get a Title Loan with the Title Not in My Name?
How Can I Get a Title Signed Over to Me for a Title Loan?
Can You Get Title Loans without the Title in Hand?
How Can I Apply for a Car Title Loan without a Title in My Name?

Is it Possible to Get a Title Loan with a Signed Over Title?

If a car title is signed over to you, it means that the ownership of the vehicle has been transferred to you. It is possible to get a title loan with a signed over title as long as the title has been signed over to you and not another individual. If you have a title to a qualifying vehicle in your name and proof of income, you can apply for a title loan serviced by LoanMart!¹

The title loan application process was designed to be convenient and simple. You can find out if you qualify for same day pre-approval on the LoanMart website today! Just click here to get started, or visit the FAQ page to learn more about car title loans.¹

What Do I Need to Get a Title Loan with the Title Not in My Name?

You might be thinking, “What do I need to get a title loan with the title not in my name?” To qualify for a car title loan, you will need a title to a car or truck in your name. You will not be able to take out a collateral-based loan with an asset that does not belong to you, so the car title must be in your name at the time of your application.

Title loans are a type of secured loan that can be flexible and convenient if you need quick funding to deal with an unexpected expense. If you obtain loan approval for a title loan with a signed over title, you are able to borrow against the value of your vehicle and access emergency cash.^{1 3} In order to qualify for a car title loan, you will be required to pledge the title to your vehicle as collateral.

You must submit a couple of documents during the application process for a car title loan in order to verify your information. Generally, you can expect to need these documents on hand:¹

Bank Statements, Pay Stubs, or Another Document That Will Serve as Proof of Income
Recent Utility Bills, Credit Card Statements, or Bank Statements to Prove Your Address
A Few Photos of Your Car
A Driver’s License or Another Valid Government-Issued Photo ID
A Signed Over Title to a Car or Truck

During the application process for a car title loan serviced by LoanMart, you will be able to upload the required documents online or send them to a title loan agent via email / text message. If you have any questions about applying for a title loan with a signed over title, don’t hesitate to reach out! Call LoanMart at 855-422-7412 today to speak to a title loan representative.

How Can I Get a Title Signed Over to Me for a Title Loan?

You will not be able to apply for a title loan unless you have a title to a qualifying vehicle in your name. But, you can visit your local Department of Motor Vehicles (DMV) and request a title transfer if the title is not currently in your name. In order to complete a title transfer in your state, you will need to be the rightful owner of the vehicle. The Department of Motor Vehicles may be referred to by a different name in your state, such as the Division of Motor Vehicles or the Bureau of Motor Vehicles.

You should visit your state’s respective DMV website to learn more about the title transfer process and the paperwork you will need to transfer a vehicle title in your state. The exact steps to complete a title transfer will vary from state to state, so gathering the correct documents ahead of time can be beneficial. In some states, you may be required to provide additional documents during the transfer process, such as a signed bill of sale and a completed transfer of ownership form.

When you purchase a vehicle from a private seller, the title must be signed by the seller before the vehicle can be transferred to you. Additionally, you may be required to sign the title in order to complete the title transfer process. Once the title is signed, you can complete the title transfer and get a new registration and title. Then, you will be able to apply for a title loan with a signed over title! Call a LoanMart title loan agent at 855-422-7412 today to apply for a title loan with a signed over title!¹

Can You Get Title Loans without the Title in Hand?

Typically, it is not possible to get title loans without the title in hand, but there is an exception. If you are still making payments on your car, the existing lender may have the title, and the car can potentially still be used to apply for a title loan.¹

But, if the title to your car is lost, stolen, or damaged, you will need to replace it. If the original title is no longer in your possession, a duplicate title (otherwise known as a duplicate certificate of title) can be used to replace it, but you will need to provide proof that you are the owner of the vehicle in order to apply for one at the DMV.

Can you Pawn a Title That’s Not in Your Name?

A title pawn is a short-term loan that can allow you to borrow against the value of your car. In some states, you can pawn your car title at a pawnshop with a pawnbroker. You may be able to apply for a title pawn online with a title pawn lender if you can meet the lender’s requirements. But, is it possible to pawn a title that’s not in your name? Typically, you can’t apply for a title pawn unless you have a title to a qualifying vehicle in your name.

Can You Get a Title Loan with the Registration?

In short, no, it is not possible to get a title loan with just the registration. But, if you live in the state of Arizona, you can potentially apply for a registration loan. With a registration loan, Arizona residents can use their car registration as collateral for the loan and access emergency funding.

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

Although you can’t get a title loan without a title in your name, it is possible to apply for a title loan with a signed over title online! If you can meet the initial requirements and provide a car title in your name, applying for a title loan can be simple and quick.^{1 3}

Apply for a car title loan on the LoanMart website today and get your title loan money in as little as one business day if you qualify!^{1 3}

Can I Get a Title Loan with a Signed Over Title?