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    Is it Possible To Get a Title Loan on a Financed Car?

    Is it possible to get a title loan on a financed car? That is a good question because generally, we will only do title loans on cars that are free and clear.

    If your vehicle is financed, we can refinance the loan as long as there is enough equity in your vehicle.

    At TFC Title Loans established our car title loan service for emergency situations – to help put you out of your misery as quickly as possible.

    Title Loan On A Financed Vehicle

    We’ve had our clients throw different questions regarding getting a loan with financed vehicles and we feel it is right to treat every concern once and for all.

    Here, we have compiled detailed answers to some questions that have been frequently asked in the past on getting a title loan on the financed car.

    Can I possibly get a title loan on a financed car?

    First, situations like this are often relative, so our best answer is that it depends. Depending on the amount of loan and the conditions that you have on your car, we can take over, pay it off and help convert it into a car title loan.

    Of course, the nature of this kind of loan can naturally send the interest rate higher than other traditional loans.

    So yes, when you get into a financial mess and need emergency cash to fix it, you can approach us with a financed car for a car title loan.

    What does it take to get access to a title loan with a financed car?

    First, we base your eligibility for this kind of loan on your car’s equity. So, in almost all cases, it cannot access a car title loan on a financed car, unless you are will to let us pay off your current loan from the car title loan amount you are applying for.

    It is on this condition that we can consider processing your loan request further and we can help you no matter where you are as we have multiple locations for you.

    If this is met, the next logical step is to check and ensure that you meet the following when you apply with us:

    • If your car is not a diesel car or truck, then we generally require that it has less than 200,000 miles on it.
    • Credit check
    • Your car also has to have its insurance coverage up to date
    • Proof of ownership
    • Identification
    • Personal references
    • Vehicle’s clear pictures
    • Car title
    • Proof of income: Has to be up to $1,200 monthly
    • A car that qualifies.


    Tour through our website to learn the process of making your first application for our car title loan. The process is quick, seamless, and friendly.


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