Can I Get a Car Title Loan with a Co-signed Title?

January 08, 2020

Many people buy vehicles using a co-signer. This is often the case when they don't have sufficient credit or have credit that doesn't quite meet the bank's standards. Some banks will still issue a loan to these individuals if there is a co-signer. A co-signer is someone who has good credit that meets bank standards who will sign along with the individual who is buying the car. The co-signer helps ensure the car loan will be paid to the bank. This gives the co-signer the same legal rights to the vehicle as the individual who is actually purchasing the car. Since a co-signer is on the title, they are a part of the decision making involving the vehicle for which they co-signed.

Can I Get a Car Title Loan with a Co-signed Title?

Car title loans are a great option for people with less than perfect credit to get money if they find themselves in a situation where they are behind on their bills or need money for any reason. A Car title loan at TitleSmart, for instance, doesn't require you to have good credit. You can get a TitleSmart loan with good credit, bad credit, or even awful credit. We don't even check your credit. We won't require you to have a co-signer to get the loan. All you need is a car title in your name with a title that is clear of any liens.

That brings us to the co-signed titles. If you had to have a co-signer when you purchased the car you want to use to get a car title loan, can you get a car title loan with that co-signed title? The answer is yes, but you can't do it alone. As long as there is a co-signer on the title, the co-signer has the same rights regarding the vehicle as you do. While we don't require you to take out a loan with a co-signer because of your credit, we will require you to get a loan with both parties whose names are on the title. Both parties would be considered responsible for the loan. That's the first option. The second option is to go ahead and have the co-signer's name removed from the title. You can visit the Department of Motor Vehicles and change the name on the car's registration to have the title put in your name. Since the car has been paid off at the bank, the co-signer is no longer required to be on the title. Once you've changed the car registration and received a title without the co-signer's name on it, you can apply for a car title loan with us on your own, without having to worry about involving the co-signer.


At TitleSmart, whether you have a co-signer or not, we can work with you to find a way to get you a car title loan if you need a loan fast. The TitleSmart car title loan process is fast and easy. If you have a car title in your name that's free of any liens, have proof of income, proof of residence, and a valid I.D., you can get a car title loan from us. There are no credit checks, so even if you have bad credit, we can still get you a car title loan. You don't even need a job to get a car title loan from TitleSmart. All you need is a source of income showing you can repay your loan and you will qualify for a car title loan. This means you can still get a TitleSmart loan if you are on disability or retirement.

We also understand you still need to keep driving your car. You are not required to leave your car with us to obtain a loan. All we need is the title. You get to continue driving your car to work, to run errands, and to do whatever else you need to do with your vehicle. There is no interruption to your daily routine when you get a car title loan from us.


TitleSmart values your privacy too. We place no restrictions on how you are allowed to use the loan you get from us. We won't even ask you why you need a loan. You can use it for bills, Christmas presents, birthday presents, a vacation, or any other unexpected expense that you might need it for the money is yours to use as you see fit.

When you need a car title loan in Florida, let TitleSmart be your car title loan company. There are no credit checks, no restrictions on use, and you can have your loan in as little as half an hour. Contact us by calling (954) 404-7306 or fill out the application here on our website. One of our loan experts will be able to help you get a loan fast.

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