How to Get a Title Loan Without a Clear Title?

Daniel Joelson

Daniel Joelson

Total Posts: 344

Published Date: January 11, 2024

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.

If you are looking for fast cash and own a vehicle, a title loan could be a good option, even if you do not have a clear title.

In this article, we will go into the details of car title loans without a clear title, exploring how these loans work and what options are available to you.

We will help you through the whole process, we are a title loan broker, with our network of  lenders, we will work hard for you to get the right loan.

What is a Title Loan?

A title loan is a type of secured loan where your vehicle serves as collateral. The lender holds onto the vehicle’s title until the loan is fully repaid.

The loan amount is typically based on your vehicle’s value, and you can usually access funds within days of applying.

Getting a title pawn loan is the fastest way for you to get the money that you need.

How to get a title loan without a clear title
How to get a title loan without a clear title

Can You Get a Title Loan Without a Clear Title?

It is possible to secure a title loan without a clear title. While having a clear title is ideal, lenders may still consider your application if you have equity in your vehicle.

Equity means you have paid off a significant portion of your car loan, and the vehicle’s value exceeds what you owe on it.

Auto Equity Loans Without a Clear Title

Auto equity loans operate similarly to title loans but do not necessarily require a clear title. Instead, lenders assess the equity in your vehicle to determine the loan amount.

If you have made substantial payments on your car loan, you may qualify for an auto equity loan. With us you will get the right title loan with no bank account needed.

How to Get a Title Loan Without a Clear Title

If you are interested in getting a title loan without a clear title, follow these steps:

  1. Research Lenders: Look for reputable lenders willing to offer title loans without clear titles. Read reviews and ensure they operate within legal guidelines.
  2. Provide Information: Prepare basic details about yourself and your vehicle, such as your driver’s license, proof of insurance, and vehicle information (make, model, year, mileage).
  3. Assess Vehicle Value: The lender will assess your vehicle’s value to determine your loan eligibility.
  4. Loan Approval: If approved, the lender will hold the vehicle’s title until the loan is repaid.

Title Loans Without the Title in Hand

If you do not have the vehicle title on hand, contact your local Department of Motor Vehicles (DMV) to obtain a copy.

This process may take time, so plan accordingly if you need quick funds. If there’s a lien on the vehicle, provide proof of lien satisfaction before securing a title loan.

Applying for an Auto Equity Loan

To apply for an auto equity loan, find a lender offering this option and provide necessary information about yourself and your vehicle.

Keep in mind that auto equity loans may have higher interest rates due to the added risk for the lender, but we will get you the lowest interest rate on your title loan.


While having a clear title is preferred for title loans, lenders offer options for borrowers with equity in their vehicles.

Research reputable lenders, understand the terms, and explore loan alternatives to make informed financial decisions.

Need quick cash? Discover how TFC Title Loans can assist you, even without a clear title. Our streamlined application process to make sure you get the cash you need today.

Need Cash Now? Get Approved In Minutes!

How Much Cash Can i Get?

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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