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Granting the Best Car Title Loans to Our Clients Since 2016!
Do you have expenses to cover or need to make a major purchase with insufficient funds? If so, perhaps you should consider applying for a loan.
A car title loan presents an excellent solution for individuals looking to cover unpaid bills and large expenses. They are short-term and don’t involve checking your credit score. Keep reading to learn how they work and how to get one with DirectLoanTransfer.

Can I Have a Title Loan With Bad Credit?
Loan applicants can get approved for a title loan online even with bad credit. Title loans require a vehicle as collateral, so they are essentially risk-free for the lender. This means you don’t need good credit to access fast cash.
Other kinds of loans, like payday loans, have lower approval rates. Such lenders usually require a regular income and a long list of other requirements. Hence, auto title loans are the preferred loan for those in need of fast cash.
Can I Have a Title Loan With No Credit Check?
Most lenders offer title cash loans with no credit check because your vehicle acts as security. Essentially, your credit score doesn’t play a significant role with this type of loan. You sign a contract agreeing that if you do not repay, the lender can take possession of your car.
Unsecured loan lenders pose stricter qualification requirements because they have no collateral to lean on. So, they look for creditworthy borrowers, making a credit score check inevitable.
Can I Have a Title Loan When Unemployed?
Even if you’re unemployed, you can still apply for pawn loans and offer your vehicle as collateral. If you don’t have the funds to cover the loan, the lender will seize your vehicle title. That’s why a salary doesn’t play a huge role for our lending partners.
The market value of your vehicle is most important. The amount you can borrow matches a certain percentage of the estimated value of your car.
Can I Have a Title Loan With Instant Approval?
If you require quick cash, you can get instant approval for a title loan at DLT. The direct lender may perform just a soft credit check or no credit check at all. Note that even if you have a poor or bad credit score, it won’t affect your eligibility.
his significantly eases the loan process, and you have better chances of getting approved. You’ll get your money ASAP, probably the same day if you apply early in the morning.
Are Title Loans a Good Choice for Me?
Advantages | Disadvantages |
Get cash fast |
High-interest loans compared to traditional bank loans |
Come with a high approval rate |
Risk of losing your vehicle |
Credit inquiry is typically not required |
Can’t sell your vehicle until you pay off the loan |
A low credit score does not affect your eligibility |
|
Higher borrowing amounts than payday loans |
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Lower rates and fees than a personal loan |
Why DLT Is Your Best Bet for a Title Loan
We strive to connect you with a lender who offers the best deals possible. | Instead of searching through hundreds of lenders, we do the heavy lifting for you. | We’ll find you a lender suitable for your needs; even if you have bad credit or are unemployed, you can count on us. |
How Do Title Loans Work?
- Use the application form located on the DirectLoanTransfer front page and provide us with the necessary information.
- Our title cash advance experts will review your request and approve it.
- Your application is sent over to eligible auto title lenders.
- A lender will contact you directly if they can offer a deal that matches your needs.
- You may be asked to provide photos of your vehicle.
- If everything looks good, you will receive an offer.
- Read the terms and accept it.
A title loan is a short-term secured loan where borrowers use their vehicle as collateral until the cash advance is paid back. Like installment and personal loans, you don’t have to make one monthly payment in full. Instead, you make partial payments on a weekly or monthly basis.
Want to learn the main benefits of car title loans? First, they come with a generally lower interest rate compared to payday loans or other unsecured loans. They also come with generally higher borrowing amounts and are easy to qualify for. With DLT, you can apply for loans online and get the cash directly in your bank account.
Getting approved for a title loan with bad or poor credit doesn’t take more than an hour. In many cases, you may even get approved within minutes. The application process is short and easy, and a credit score check is rarely required. These are some of the leading advantages of using our DLT service.
Please keep in mind that this is just an approximation, and sometimes it may take a few hours. Every loan request is first reviewed by our experts and then by the lending partner you’ve been matched with. If you apply after business hours, you’ll have to wait until the next business day for these procedures to complete.
To apply for a loan today, you will need the following:
- A valid government-issued ID
- Proof of address, usually in the form of a utility bill
- Proof that you are the rightful owner of the vehicle
- Proof of auto insurance
- Income documentation
- Copy of your car key
- Motor vehicle appraisal performed by the direct lender
- Possibly proof of income
To become eligible for an auto title loan, you must
- Be at least 18 years old
- Prove that you’re the rightful owner of the vehicle; the ID that you show should match the name of the vehicle documentation
- Perform a vehicle evaluation
- If needed, name a guarantor
- If needed, proof of income
In addition, you need to live in a state where title cash advances are legal. Some states have banned this type of lending, and, therefore, residents from those states can’t get title loan products.
DirectLoanTransfer performs a thorough background check on applicants to ensure they get the best terms possible. We need to know whether you’re employed and how much you’re looking to borrow to denote the type of loan most suitable for you. Every detail we get has its purpose, or we are required by law to request it.
Our title cash advance experts can’t do a preliminary review of loan applications without these specific details. For instance, your address helps us match you with lenders that serve people in your state. Lastly, we require your ID to determine your age because lending to borrowers under 18 is illegal.
DirectLoanTransfer perfThe borrowing amount typically varies between a minimum loan amount of $100 and $10,000. Depending on your vehicle’s value and the amount you need, you can negotiate with the lender. The maximum loan amount depends on various factors, including where you live and what kind of a vehicle you own.orms a thorough background check on applicants to ensure they get the best terms possible. We need to know whether you’re employed and how much you’re looking to borrow to denote the type of loan most suitable for you. Every detail we get has its purpose, or we are required by law to request it.
Some states impose strict caps on how much consumers can borrow through a car cash advance. For example, in Tennessee, the maximum loan is $2,500, whereas in Texas, there is no cap. In most states, lenders can offer up to 50% of the estimated car value. So, if your vehicle’s value is $20,000, our lending partner can lend you up to $10,000, unless otherwise stated by state regulations.
Banks perform credit checks to get a better idea of your financial history, as this is how they establish your creditworthiness. When you’re applying for a loan at the bank, they have stricter qualification criteria. Your credit score must be at least average for you to get approved for a loan at the bank.
Considering that our DTL lending partners will send you the cash as a direct deposit, a bank account is a must. In fact, you will need to provide proof of an active checking account before being accepted for a loan.
Some lenders may also demand access to your bank account to automatically process payments the moment they become due. However, this doesn’t always happen and you are not obliged to accept it. Still, you will need a bank account if you want to apply from your home and get the cash as soon as possible.
If a lender grants you a borrower account approval, you’ll know by receiving a text message or an email notification. This is why it is important to provide your phone number and email address while filling out the loan application form.
To increase your chances of getting a loan agreement, you should have a stable monthly income of around $1,500 and have no other debt. When applying, include proof of income and maybe even a credit report. In addition, consider moving your finances to more trustworthy financial institutions.
Typically, lenders focus on your car’s value when it comes to title cash advances. Yet, a steady income and a good credit score will get you a better deal regarding APR and fees. Note that having other debt or late payments on your credit report will raise red flags.
Yes, if you don’t cover the loan within the agreed period, the lender has the right to take possession of your vehicle. Some states have strict laws surrounding vehicle repossession, meaning you may be granted some extra time to pay off the debt, or you will get the difference between the debt you owe and the amount the car has been sold.
To avoid repossession, make sure you borrow an amount you’re positive you’ll be able to repay on time. That way, you know your vehicle is lien-free as soon as you cover your debt towards the lender. Even with state regulations that protect borrowers, you will still lose the vehicle if you ignore your payments.
Yes, you can still get title secured loans even if you don’t necessarily have a car. For example, motorcycles, trucks, boats, etc. can be used as collateral. Nonetheless, remember that there is a risk of repossession if you do not repay the loan.
You can get the best deal for a title loan right here at DLT. We’ll ensure you get lenders that best suit your needs, offer the most acceptable interest rates, and are flexible regarding how much cash you can borrow. We only partner with trusted and licensed lenders that respect all federal and state regulations.
Prepayment penalties depend on your loan offer and where you live. Fortunately, some states, such as Virginia, have banned prepayment penalties on such lending products, meaning you can repay the loan anytime within the designated period at no additional cost.
Nevertheless, there are states that allow this penalty and some lenders may impose them. That’s why borrowers need to read the loan terms carefully before accepting the offer.
Loan payments are commonly done monthly; however, some lenders may let you make biweekly payments. It all depends on the terms both you and the lender agree on. As for the way you pay, this is usually done automatically through your bank account. If you agree to send bank wires yourself, that’s another option.