No Credit Check Title Loans

When money’s tight and your credit isn’t where you want it to be, it can feel like your options are limited. A no-credit-check title loan may help bridge the gap. These loans offer quick access to cash by using your vehicle as collateral, giving you another way forward when you need it most. 

How car title loans work 

A title loan is a secured loan that uses your car as collateral. If your vehicle is paid off — and the title is in your name — you may be eligible. 

Once approved, you’ll hand over your car’s title and receive a lump sum based on its value — typically between 25% and 50%. Even though the lender holds the physical title, you’ll still drive your car throughout loan term. 

Check your car’s value

Can I get a title loan with no credit check? 

One of the main benefits of car title loans is that they often don’t require a credit check. Since your vehicle secures the loan, lenders may be more flexible with credit requirements. 

But it’s important to be aware of the risks. If you’re unable to repay the loan, you could lose your car. Because the lender holds the title, they can legally repossess the vehicle if the loan goes unpaid. 

That’s why it’s important to only consider a title loan if you’re confident in your ability to repay it — and to fully understand the terms before signing the loan agreement. 

Benefits of a title loan if you have bad credit 

Easy application 

You can often start your application for a title loan online. If you prefer to apply in person, that’s usually quick and simple too. Either way, you’ll need to meet with the lender’s appraiser so they can confirm your vehicle’s value. 

Quick approval 

Once you apply for a title loan, approval can happen quickly — sometimes within minutes or within 24 hours, depending on the lender. You won’t have to wait weeks to find out if you qualify. On top of that, you’ll typically receive your funds within a day of being approved. 

No credit check 

If your credit score is low, or you don’t have an established credit history, a title loan may still be within reach. Because the loan is secured by something of value, many lenders won’t even run a credit check. Instead, they focus on the value of your car and your ability to repay the loan. 

Get a larger loan amount 

Title loans can give you access to higher loan amounts than other types of personal loans. You may be able to borrow 25% to 50% of your car’s value, depending on the condition of your vehicle. 

Manageable payments 

Even with a larger loan amount, many title loan lenders offer manageable repayment plans. The exact terms will vary, but payments are typically several hundred dollars per month (about the same as an auto loan payment). 

If you’re concerned about the payment amount, look for a lender that offers more flexible options that better fit your budget. 

Keep driving your car as you repay a title loan 

Worried you’ll have to give up your car to get a title loan? Don’t be. Even though the lender temporarily holds the title, you keep your vehicle while you make payments. 

Just keep in mind, you won’t be able to sell the car until the loan is fully repaid. Once it is, you’ll get the title back. 

How to get a title loan with no credit check 

Compared to traditional bank loans, title loans are often easier to qualify for with poor credit. While the process will vary from lender to lender, here’s a general overview of how the process works: 

1. Compare lenders and loan options 

Plenty of lenders who offer title loans. That’s why it’s a good idea to shop around and explore all your options. Be sure to compare the rates, terms, and fees of each lender and loan you’re considering, until you find the right one for your needs. 

2. Gather your documents 

To apply for a title loan, you’ll need to provide some basic paperwork. Requirements can vary by lender, but you’ll typically need: 

• A government-issued ID (like a driver’s license or passport)
• Recent pay stubs or other proof of income
• Bank statements
• The car title 

3. Fill out and submit an application 

Once you’ve chosen a lender, visit their website or location to fill out the application. If you start your application online, you will still need to meet with the lender’s appraiser to complete the process. 

4. Get your car appraised 

Before final approval, the lender will need to determine your car’s value. Some have in-house appraisers, while others work with third-party partners. The appraisal may take place at their office, your home, or another convenient location you both agree on. 

Check your car’s value

5. Wait for approval 

After reviewing your documents and completing the appraisal, the lender will decide whether you qualify. In many cases, approval happens quickly — sometimes on the spot. 

6. Receive the funds 

If approved, you’ll hand over the title to your car in exchange for the money you need. Depending on the lender, funds may be paid out via direct deposit, check, cash, or even loaded onto a prepaid card. 

Should I get a title loan with or without a credit check? 

If you own a car, have less-than-perfect credit, and need access to a large amount of money, a no-credit-check title loan may be worth exploring. These loans are often processed fast, making them a helpful option when time is tight and traditional loans aren’t available. 

Just keep in mind that a title loan is secured. If you default on the loan, the lender has the right to take your vehicle. Only move forward with this option if you feel confident you can manage the payments. 

How to check your car’s value 

Before applying for a title loan, make sure you know what your car is worth. This can give you a better idea of how much you may be able to borrow (and whether a title loan is the right fit). 

Many people start off checking their car’s value on Kelley Blue Book. Simply enter a few details like the vehicle’s make, model, year, mileage, and condition, and you’ll get a fair estimate in minutes. 

If you prefer a more streamlined experience, check your car’s value with LoanCenter directly. As part of the title loan application process, this step ensures an accurate estimate not only of your car’s value, but also how much you could potentially borrow.