Why Do Title Loans do Vehicle Inspections

Daniel Joelson

Daniel Joelson

Total Posts: 344

Published Date: February 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.

Why do title loans do vehicle inspections?  Most car title loan lenders will do in-person vehicle inspections, these are done to make sure the title loan quote is accurate, making sure the quote is correct.

Here at TFC Title Loans, we do not need to do in-person vehicle inspections, we can use the photos of your vehicle for the vehicle inspection, and we are always getting you the most money.

Vehicle Inspections For Title Lenders

Vehicle inspections are used to determine the overall condition of the vehicle and to make sure the accuracy of the vehicle. Physical inspections will also determine the mechanical condition of the vehicle.

Most title loan lenders will use the Kelly Blue Book to determine the wholesale value, as the collateral for the loan will be the car equity, so the lender will want to make sure that the loan is secure.

To determine the accurate value of the vehicle, there are many factors that will be taken into consideration, sometimes it is not just the Year, make milage, and model.

The value of the vehicle can be determined by the Make, after-market accessories, condition of the interior, the mechanical condition, the condition of the paint, and the color.

With TFC Title Loans, we can make it easy for you, you will not have to go to a title loan location for an in-person inspection, and we can use your photos to do the vehicle inspection.

why do title loan do vehicle inspections
why do title loan do vehicle inspections

Applying For Title Loans

When you apply for your vehicle title loan, your inspection of your vehicle, is not part of the application process, the whole application can be done online.

Getting your car title loan without inspection is easy with us, all you have to do is to submit your application online, or we can take it over the phone.

We will need you to submit the documents that we will need to fund your title loan, you can submit them via email. or you can scan them directly from your phone.

If you would like we can wire the money directly into your bank account, or you can go to any MoneyGram location, to pick up your funds.

Submit Your Documents

As you do not need to come into a local title loan office for your vehicle inspection your photos will provide us with the information to determine the market value, we can also accept your documentation online too.

You can submit the following documents to start your vehicle title loan:

  1. The title of your vehicle, in your name
  2. Proof of your income.
  3. Auto insurance.
  4.  Detailed photos of your vehicle.
  5. Registration.
  6. Proof of residence.
  7. Photo of your VIN number.
  8. A photo of the actual mileage on your car.
  9. For personal references, we will need 5 of them.

Things That Affect Your Car Value

There are a few things that can affect the value of your vehicle, and this is why many online title loan companies will always want to do a vehicle inspection in person.

The condition will affect how much money your vehicle will qualify for:

The car brand will have a big impact on the value of your vehicle, obviously, a BMW or a Mercedes will have higher values than Honda or Toyota.

If your vehicle has after-market equipment on the car, this can increase its value, this could be a custom paint job, electronic improvements, or custom wheels, which can add value to your car.

The condition of the exterior of your car, if the car has damage, will have a negative effect on the car’s value, the overall condition is an important factor for vehicle depreciation.

Frequently Asked Questions About Vehicle Inspections for Title Loans

  1. Why do title loan companies require vehicle inspections? Title loan companies require vehicle inspections to assess the value of your car. This helps determine the loan amount you can borrow, as the vehicle serves as collateral for the loan. A thorough inspection ensures that the car is in good condition and worth the estimated value.
  2. What does a vehicle inspection for a title loan involve? During a vehicle inspection for a title loan, the lender typically checks the following:
    • The car’s overall condition, including the body and interior.
    • The mileage and age of the vehicle.
    • The functionality of major components, such as the engine and transmission.
    • The presence of any damages or modifications that could affect the car’s value.
    • The Vehicle Identification Number (VIN) to confirm ownership and history.
  3. How does the inspection affect the loan amount? The vehicle inspection directly impacts the loan amount by providing an accurate assessment of the car’s market value. A well-maintained, higher-value car can secure a larger loan, while a car in poor condition or with high mileage might result in a smaller loan offer.

Quote from Daniel Joelson, Consumer Finance Expert: “Vehicle inspections for title loans are essential to ensure that both the lender and borrower have a clear understanding of the car’s value. This process helps protect both parties and ensures that the loan amount is fair and justified.”


The interior of the vehicle can also have negative effects if the condition is poor. Also, high mileage can also have a negative effect on the car’s value.

The mechanical condition can also affect your car value, mechanical issues can stop all title loan approvals.

You may be surprised that the color of your car can help or hurt the value of your car value, the classic colors, black white, or red can have a positive effect on your car value. If you have a rare color this can also make your vehicle more valuable.

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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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