What do I need for a title loan?

Quick Answer To get a title loan, you typically need a clear title to your vehicle, a valid ID, and proof of income. Some lenders may also require proof of insurance, proof of residency, a spare key, references, and other documents.

Doreen Dumesle profile picture
Doreen Dumesle Answer updated on Jun 26, 2023

Fact checked by Steven Hill

The in-depth information some lenders require to apply for a loan can be a huge turn off.

Luckily, title loans are a type of loan that require much less — so you can leave your bank statements and tax filings in the drawer. 😊

To get a title loan, you need to:

  • Be at least 18 years old: While you can drive at the age of 16, you must be at least 18 years old to get a title loan (or any loan for that matter) in most states. Though, I would recommend checking with a local lender for specifics as some states have a higher age requirement.
  • Provide a valid government-issued photo ID: Lenders require ID to verify your age and, most importantly, your identity. Loan fraud and identity theft is becoming increasingly more common. So, to make sure you are the person you say you are, lenders will ask you for your ID as part of the application process.
  • Provide proof of income: This is typically just a paystub or proof of direct deposit from your employer. But, if you are unemployed, lenders will also accept other forms of income such as: unemployment, disability, social security benefits, SSI, etc.
  • Have a lien-free car title: Typically, lenders will require a lien-free car title. This simply means that your car is completely paid off (i.e., no outstanding loans or judgements against it) and you own it outright.
  • Have a running vehicle: A vehicle that doesn’t run isn’t worth much in the eyes of a title loan lender. Your vehicle is appraised to determine the amount a lender can lend you. For that reason, your vehicle must be in working condition.

Lastly, you will need to complete a vehicle inspection to seal the deal.

Learn: Can you get a title loan with a damaged car?

Requirements for a title loan can vary by state. Some of the lesser common requirements for a title loan are things like proof of insurance, proof of residency, vehicle registration, a spare key to your vehicle, and references.

Learn: Can I get a title loan with no insurance?

While it's unlikely your lender will ask you for all of the above, you should still double-check with them to make sure.

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