04 May 2020   /   0 comments

How to Get a Title Loan with the Title Not in my Name


A common question we receive is “how to get a title loan with the title, not in my name?” The title does need to be in your name but if it isn’t currently, you can change the title to be in your name. Then you can apply for a car title loan to get a cash advance based on the value of your car.

Why You Might Need a Title Transfer

  • Buying a vehicle
  • Inheriting or gifted a vehicle
  • Minimize assets under your name when owing to creditors
  • Paying off a loan or refinance
  • To be included on an insurance plan
  • Marriage or divorce
  • Death of owner

You can transfer ownership of a vehicle on the title through the Department of Motor Vehicles (DMV). After a vehicle purchase, the DMV usually wants you to transfer the title within ten days of the vehicle transaction but if you have forgotten, TFC Title Loans can help you through the process. When you complete the transfer process with the DMV, it not only modifies your title but changes the DMV’s official records which will help avoid any legal action in the future. The process is different depending on which state you are in so we will provide links to state-specific instructions for three states we service currently. If you live outside of California, Arizona, and New Mexico then you can find the requirements for your state by going to the www.DMV.org websiteTitle loan with the title not in my name

A title loan with the title not in my name

State Requirements

California DMV

The CA DMV requires that the vehicle in question must pass a smog check unless it is exempt. You will need to take various ownership documents to your local DMV office and pay a fifteen-dollar vehicle title transfer fee with taxes. Learn more at www.dmv.ca.gov

New Mexico DMV

The New Mexico DMV requires that you obtain an odometer disclosure from the seller or person who gifted the car and, in some cases, get the car inspected for emissions. Then gather proof of identity, residency, and car insurance and bring all of the paperwork to your local DMV office. Learn more at www.mvd.newmexico.gov.

Arizona DMV

The Arizona DMV requires that you go with the buyer/seller to a DMV title transfer office to complete the title and registration application, otherwise known as Form 96-0236. You will need to pay a four-dollar fee along with any registration fees and taxes. Learn more at https://www.azdot.gov

Other Considerations

Getting a Lien Taken Off

Even if your name is on the title there might still be a lienholder that needs to be removed. Usually, the lien release is signed by the lienholder and mailed to you. After you receive the lien release, make an appointment with your local DMV office to submit the release, complete a vehicle transfer application, and pay the transfer fee.

Family Transfer

This situation calls for you as well as the family member on the title to sign certain sections of the title. This is only if the family member either sold the vehicle to you or that you were given the vehicle as a gift.

Lost Your Title

If you have lost the title to your vehicle, you can apply for a duplicate title using a document called a 227 form. This document will need to be signed and notarized. This document can act in place of the title if the title has been lost or stolen.

If you have any more questions in regards to the title transfer process, we would love to answer them. If you are interested in getting a title loan with us, then give us a call today or fill out our online application. We would be thrilled to hear from you!

Title Loan with the title not in my name

Ever since we opened our doors in 1994, TFC Title Loans have gone the extra mile for our customers. We go above and beyond for our customers by helping them through any financial roadblock they might face. It can be frustrating to find out your name isn’t on the title of the vehicle you own especially when you need money from a title loan. We can walk you through the process of a title transfer if you don’t know what to do.

With our second-to-none customer service, we have drawn thousands of customers to get title loans with us. It’s a priority of ours to make sure you understand how your title works about your ownership of your vehicle. If you feel that you are ready to get started, then fill out our application or call today at 844-242-3543! “Title loan with the title not in my name” brought to you by TFC Title Loans.

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