What Documents are Needed for a Car Title Loan?

Daniel Joelson

Daniel Joelson

Total Posts: 336

Published Date: February 2, 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.

There are a variety of reasons why people apply for car title loans. The short-term loan can provide you with the quick cash you need to cope with an emergency, manage debt, pay your bills and pay for business expenses, here are the documents needed for a title loan.

If you have some pressing financial needs but are short on cash, you can consider taking out a car title loan. However, to make smart financial decisions, you need to learn more about this type of secured loan.  

This article was brought to you by TFC Title Loans, we try to bring to you the most informative information. If you are interested in getting a title loan near to me, we are able to help you with our large referral network.

All of our referral partners are in compliance with the CFPB.

What is a Car Title Loan

A car title loan, also known as an auto title loan, is a type of short-term loan that allows you to borrow against your vehicle. Because you will be pledging your car as collateral, you must temporarily surrender a hard copy of the vehicle title and allow the lender to place a lien on it. In exchange, you will get a loan amount based on the car’s value.

Frequently Asked Questions About Documents Needed for a Car Title Loan

  1. What documents do I need to apply for a car title loan? Typically, you’ll need your vehicle’s title (free of liens), a government-issued ID (like a driver’s license), proof of income (such as pay stubs or bank statements), and proof of residence (like a utility bill).
  2. Can I get a title loan with just a copy of my vehicle title? No, you typically need the original title that shows you own the vehicle outright. Copies may not be accepted by most title loan lenders due to verification and legal reasons.
  3. Do I need a credit check for a car title loan? Many title loan lenders do not require a credit check because the loan is secured by your vehicle’s title. Your vehicle’s value and your ability to repay the loan are usually the main factors considered.

Quote from Daniel Joelson, Consumer Finance Expert: “Having the right documents ready is crucial for a smooth title loan application process. It helps verify ownership of the vehicle and your ability to repay the loan, ensuring transparency and security for both the lender and borrower.”


Documents For a Title Loan

Car title loans have few or no credit requirements. In fact, most lenders will not check your credit score at all.

You should provide the required documentation in order to qualify and get approved for these loans. Although the requirements vary from one lender to another, you must own the vehicle outright to obtain an auto title loan. Below are the general documents most lenders will ask you to submit.

When applying for a car title loan, you must provide an original vehicle title showing sole ownership. The loan company will also require you to furnish valid vehicle registration and proof of vehicle insurance.

Insurance gives the lender the assurance that they are protected in the event that the vehicle is either damaged or stolen. You may also need to supply photos of the car.  


Most lenders will ask for government-issued identification documents such as your driver’s license and Social Security Number.

The documents will help to verify your identity as well as your ownership of the vehicle. These identification documents will also prove that you are over 18 years of age, an important vehicle title loan requirement


You must provide proof of residence in order to get a car title loan. Documents such as a rental agreement, utility bills, real estate tax bills, and credit card statements will help you prove that you live in the specified locality. The documents will further assist in confirming your identity. 


Before you are approved for an auto title loan, you must demonstrate that you can afford the monthly payments. This is why lenders will ask you to provide proof of income. Financial documents like your pay stubs, bank statements, business financial documents, and tax records will show that you have a source of income and serve as proof of ability to repay the loan. 

Personal References

Most loan companies will want you to provide personal or professional references. The references will help the lender to determine your character and establish your ability to make monthly payments. They can also be contacted in case you default on the loan. 

Once you have all the documents, you can proceed to make your loan application online or submit hard copy documents.  

Benefits of Title Loans

Car title loans are increasingly becoming a popular option for borrowers looking to get fast and easy cash using their vehicle titles. Indeed, this type of loan has numerous benefits. Here are a few.  

Credit is rarely a factor in qualifying for a car title loan; the lender will use the value of your car to determine the loan amount you qualify for.

This makes it easier for borrowers to get the money they need. With these loans, even people with bad credit can get funding. 

Fast Funding

When it comes to car title loans, most loan companies have an easy application process. Today, a good number of lenders have made it possible for you to submit your application online. Provided you supply the required documents, you will be done with the application process in no time. This offers borrowers great convenience.  

The fast processing times go a long way in enabling you to receive the money you need quickly. Most loan companies strive to ensure that borrowers get money the same day that they submit their loan applications. Working with a reliable auto title lender will help you fulfill your needs in a timely manner. 

Getting To Keep Your car

When applying for this type of loan, you will use your vehicle title as collateral. This means that you get to keep and drive your car. Once you have made the final monthly payment, the lender will return your title. In short, you will get the money required to meet your financial needs without any significant change in your life. 

Flexible Terms

One of the important factors to consider when applying for funding is the terms of the loan. Most auto title loans have easy and quick payment options.

Some lenders may tailor the terms of repayment to your needs, making it easier to meet your loan obligations.

You will also know when you will be required to make the monthly payments, something that will help you plan accordingly. 


If you have bad credit, an auto title loan can present an opportunity to improve your credit score. Once you get the loan, you should ensure that you make all your payments on time. A good credit score will help you qualify for other loans and enjoy lower interest rates. 

Because you will be using your vehicle title as collateral, the lender will have a guaranteed layer of protection against risk. This contributes to higher approval rates, meaning virtually anyone with a car can get this type of loan. 

To get the most money by using your car equity, you should choose the right lender. At TFC Title Loans, we will lend you money on your vehicle equity and can help you no matter your location. Our title loan application process is easy to ensure you get the money you need the same day. Feel free to contact us for more details or give us a call at  844-242-3543. Our friendly staff will be happy to serve you. 

Related Articles:


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.

Skip to content