Title Loan Requirements

It doesn’t take much to get a title loan. The whole point is that they’re fast and easy for those times when you really need a loan. You don’t need great credit, stacks of reference letters, or a year’s worth of bank statements.

It takes a little bit more than just a car, though. Here are the full title loan requirements for when you’re ready to borrow.

What You Need Right Away

To get started, the most important thing is to have a clean, paid-off car title with no liens against it. We can only help you get a loan using your car when you fully own your car, so a paid off car title is a must.

You’ll also need a working phone. When you apply with Loan Cheetah, you’ll fill out the application online but we’ll work with you over the phone to set up your loan terms. That means that you working phone line for us to get in touch with you, too.

What You’ll Need Later

Once we’ve covered the basics over the phone, you’ll need just a couple more things to get your loan squared away. The full list of what you need will depend on the exact terms of your loan, so remember to ask when you’re settling your loan details, but at the very least you’ll need to be prepared to show a few items to pick up your loan money, including:

1. Your car’s title paper. You’ll keep your physical vehicle throughout the life of your loan so that you’ll continue to be able to use it day to day, but the title papers stay with the lender until your loan has been fully repaid.
2. A valid driver’s license or government issued ID. Proof of ID is pretty standard for just about any loan.
3. Proof of registration. For you to get a title loan on a vehicle, it has to be registered in your name, and current on its registration.
4. Proof of employment or other financial benefits. Not everyone has the same type of job circumstances, so Loan Cheetah has plenty of options for the unemployed. We just need proof of some type of financial benefits whether that’s a paycheck, income from otherwise organized work, or unemployment benefits.

What You Won’t Need

While there are a few absolute must haves when it comes to Loan Cheetah’s title loan requirements, there are also a few things that you’ll find you don’t need with our loans the way you do with others. Namely, you won’t need perfect credit.

Title loan requirements let you use your car as collateral for your loan, which is why we can work with you even if you have less than ideal credit. As long as everything is in place with your vehicle our title loan requirements let us get you a loan that won’t exclude you based on your credit score.

So if you and your vehicle are up for it, you can get started with your Loan Cheetah title loan today, right here online.