Can you get a title loan with the registration?

Quick Answer No, you can't get a title loan with just the registration. A title loan requires the borrower to have the actual vehicle title as collateral to secure the loan. The registration alone does not prove ownership of the vehicle, so it can't be used as collateral.

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Jack Woerner Answer updated on May 28, 2023

Fact checked by Dwayne Dumesle

You cannot get a title loan with just the vehicle registration.

Why? Well, a registration doesn't prove ownership of the vehicle (it shows that you have paid the fees and taxes to operate the vehicle on public roads).[1] A title does indeed prove ownership, which is what lenders need to use as collateral.

Learn: Can I get a title loan while still making payments?

Ok, let's run that back for clarity. To get a title loan, you need a title (proving ownership) along with a car that you have paid off completely, On the other hand, a registration just shows you are cleared to drive in your state, usually for tax purposes! For this reason, it cannot be used as collateral.

Now, there is such a thing as a registration loan. A registration loan is a type of unsecured debt because the lender does not use your car as collateral. This means you can borrow money by just using your vehicle registration, even if you still owe money on the car.

An important caveat of registration loans is that they are only available in the great state of Arizona. 🌵

So, if your vehicle is not registered in Arizona and you are not a resident of Arizona, you will not be able to get a car registration loan.

My advice is this: if you need to get a title loan, but you don't have the title, explore other bad credit loans that don't require your title as collateral.

If you have a vehicle registered in Arizona, you still may want to seek a more affordable option first. If that can't happen, then know you have a car title loan and registration loan as backup options!


  1. What is vehicle registration? ↩︎

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