Can I Get A Title Loan Without A Vehicle Inspection?

Daniel Joelson

Daniel Joelson

Total Posts: 284

Published Date: January 16, 2022

Daniel Joelson has been in the consumer finance space since 1994, he has helped to develop underwriting manuals for the financial sector. With a vast amount of Knowledge in consumer finance, he has been writing articles for all types of loans. With his knowledge, he is able to help many people to answer different financial problems.

Getting Title Loans With No Inspection

Here at TFC Title Loans, we are here to help you to get the most money with your vehicle equity, we have the largest referral network, and all of our referral partners are in compliance with the CFPB.

Lots of our clients ask us if can I get a title loan without an inspection. Sometimes getting a vehicle inspection will just be too inconvenient. it will take unnecessary time out of your day.

We are able to help you to get a car title loan without an inspection.

 Title Loans Without Vehicle Inspections

With our network of title loan companies we will be able to get you the car title loan without a vehicle inspection, not all companies will do this.
 Some companies will want you to bring your vehicle to their location, so they can do the physical inspection themselves, but we are able to get your physical inspection done with photographs and videos.
 With smartphones, today, taking and submitting photos and videos is fast and easy. With the photos, the lender will need to see all sides of the vehicle. The interior, the VIN number, and the odometer reading.

By submitting the photo of your vehicle, the lender can see the overall condition of the vehicle, and decide how much money they are prepared to lend on it, so you can apply for a title loan with no vehicle inspection.
 After the lender has seen the photos deciding on the right dollar amount is easy, but they will also take into consideration your monthly income, to make sure that the payments will fit into your monthly budget.

Why Vehicle Inspections Are Important

All lenders want to protect the loan that they are going to give, and all vehicles depreciate in value, and the overall condition of the vehicle will determine the value.

As all auto title loans are secured with the vehicle equity, the lender has to look at it as if they had to sell the vehicle, would they get their money back, to protect their investment.

The physical inspection will help the lender to determine the real market value of the vehicle, it will show the overall working condition of the vehicle, and if there is any damage on the vehicle, deductions will need to be made on how much the title loan is given.

Estimating The Market Value

Because car title loans are qualified by using the equity in the vehicle, the market value has to be taken into consideration, it is not just the year, make, model, and mileage that will determine the value of the vehicle.

Not all cars and car brands are created equal, some will hold their value longer than others, and some will depreciate faster, these are all factors on why physical inspections are done for car title loans.

Of cause different car brands are more expensive than others, a Mercedes is more expensive than a Toyota, but in general, the Toyota will hold its value longer than the Mercedes. Depreciation is a determining factor, and the certain band holds its value longer.

Some owners have added aftermarket items to their vehicle, this can also affect the value of the vehicle, some can be positive and some can be negative, but in general, some custom work to the vehicle should enhance the value such as custom wheels, a special interior, or even a sound system.

The condition of the exterior is probably the biggest factor to a vehicle’s value, older vehicles with equity value, and the exterior is clean, without damage, will qualify, but if there is body damage, and the older car is not well taken care of, then it will not qualify.

Interiors of vehicles can also affect the value, if the interior is in poor shape, with rips and tears, this can greatly affect the price of the title loan.

The mechanical working order of the can will also affect the price of your auto title loan, if there are mechanical issues then the vehicle may not even qualify.

How To Get A Car Title Loan Without Vehicle Inspection?

You will still need to do a vehicle inspection to qualify for a vehicle title loan, this process does not need to be done at a physical title loan location, this can be performed by you, all you have to do is to supply the required photos of your vehicle.

Take all of the required angels, the inside, the Vin, and the odometer reading, and your vehicle inspection is done. So there is no need to schedule a vehicle inspection, and travel to a brick and mortar location, our online title loans are quick and convenient for you.

With your car title loan application, you will need to provide a copy of the car title, your proof of income, your proof of residence, your driver’s license, and 5 personal references.

Conclusion For Title Loans Without Vehicle Inspection

When you are supplying the photos it is important that they are clear, and submitted correctly. Present your vehicle as best as possible.

The amount of money that you will qualify for will be determined by the photos, so make sure that is as good as possible, and reflect the vehicle’s true value.

If you need to get a title loan without a car inspection, we are here to help you, with our network we can help you to get a local title loan, and we will make it as easy as possible for you to get the money that you need. Contact us today, we are here to help you.

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DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

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