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Can I Get a Car Title Loan with an Out of State Title?

July 16, 2019

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Many of us work hard to stay on top of our bills, but no matter how hard we try, sometimes there are circumstances beyond our control. Unexpected medical expenses, bills we fall behind on, car repairs, and any number of other financial surprises can come up at any time. A lot of Americans don't have the savings to cover these expenses. Getting a loan from a traditional lender so you can pay bills is a trick business. Banks and other traditional lenders ask questions about why you need the money, and when you tell them you need to pay bills, they may not be excited about offering a loan. Maybe your credit score simply isn't high enough to get a loan from a traditional lender. These are just a few of the reasons a car title loan is such an attractive alternative for many consumers.

Can I Use an Out Of State Title?
Car title loans are easy to get at TitleSmart. We specialize in providing auto title loans to consumers who have found themselves faced with some of those unexpected financial emergencies we've talked about above. We understand that having a financial emergency can truly put strain on your life, and we're here to help alleviate that strain. Title loans at TitleSmart couldn't be easier. All you need is a vehicle with a clear title, proof of residency, proof of an income that will allow you to meet the payment requirements of your loan, personal identification, and a few other basic documents. We know that needing money in an emergency can be stressful, so our goal is to give you the best auto loan experience we can.

What If My Car Title is Out of State?

While having an out of state title can prevent you from getting a car title loan in some states, other states allow this. It's always important to check with the car title loan company you wish to get a car title loan from before you begin the loan process. Even if you have an out of state car title, it is easy to get that titled registered in the state in which you want to apply for the car title loan. When you move to a new state, you will typically have 30 days or so to license and title your vehicle in the state where you wish to become a resident. To register your vehicle, you will need to go through the DMV or whatever the name of the motor vehicle services department is in your state. You will need to complete an application form, which could be hard copy or online.

To complete vehicle registration, you will need to list your car's make, model, year, VIN, the date of purchase, etc. You may also need to provide:
  • Proof of residency in the state you are registering your vehicle
  • Original title and registration from previous state
  • An applicable tax-form
  • Vehicle registration payment
Rules and regulations vary from state to state, but if you live in a state that allows you to get a car title loan with an out of state title, you can immediately apply for a title loan. If you need to have a title registered in the state where you will be getting the loan, you can easily get that done and still apply for your title loan.

Money Fast
At TitleSmart, we want to help you get the money you need fast. For many people, credit scores prevent them from obtaining loans. Don't worry about that here. At TitleSmart, we don't run credit checks. We aren't concerned with credit scores. That means you can have good credit, bad credit, or no credit. It won't make a difference. We base the amount of your loan on the equity in your vehicle, so your credit score is not a factor.

We also don't ask you questions about why you need the money. We feel that is your business. You can use the money from your loan for bills or simply to make a new purchase for something you've been wanting to buy. As long as you have a car title with a clear title and the required documents, we will be able to get you the loan you need.

TitleSmart's loan experts are standing by right now to assist you in any way they can. Are you looking for a car title loan in Florida. There's no better place than TitleSmart. Give us a call at (954) 404-7306 or fill out the form here on our website to get the process started. Let our car title loan professionals sit down with you and set up a loan package that is designed to meet your specific needs. Don't let financial stress and financial insecurities put you behind. TitleSmart is here to help.

If you found this article helpful then let us know in the comments section below. Likewise, feel free to share it using the share options below. Want us to cover another topic of your interest pertaining to auto title loans? If so, then like us and follow us on social media, and post to any of our social media profiles the topic you'd like us to discuss: Facebook TitleSmartFL, Twitter @TitleSmartFL, and Instagram @TitleSmart.

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TitleSmart INC makes use of the phrase "Auto Title Loans" for the sole purpose of advertising. We provide auto equity loans. TitleSmart INC is licensed under the "Florida Consumer Finance Act" under Florida Statute 516. For this reason, lender's loans are exempt from licensing requirements under the "Florida Title Loan Act." This lender's approval of loan is based on the consumer's ability to repay the loan and the condition of the vehicle being used to acquire the loan.

Fees: $89.00 Lien Fee, $25.00 Application Fee, and a Document Stamp Tax which changes according to the amount of the loan. The fees are built into the life of the loan. APR: Annual interest rate ranges from 18% to 30%, depending upon current market.

Repayment: Our convenient payment options are designed to fit the consumer's ability to repay a loan. Those options currently range from 6 months to 24 months.

The table below represents an example of the overall cost of a loan. If you have questions or need further information, we are always happy to be of assistance. We want you to fully understand the terms and cost of your loan before you get one.

Loan Amount$1,000$6,000
Interest Rate(APR) 30% - $214.7318% -$733.25
Lien Holder
(One Time Fee)
$89$89
Application
(One Time Fee)
$25.00$25.00
Doc Stamps
(One Time Fee)
3.8321.33
Term 12 months 14 months
Monthly Payment$109.40$489.24
Total of Payments$1,312.81$6,849.33
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