Do Car Title Loans Go on Your Credit?

February 10, 2020

The many benefits of getting a Car title loan are clear. For folks with bad credit, car title loans may be the only option to get money when they need it. Banks and credit unions require a pretty good credit score before they even take a look at your loan application. There are payday loan options, but those can be hard to keep up with and easy to get caught in a vicious cycle of having to pay the loans off every payday. Many people take out payday loans, pay them off on pay day (hence the name), and take them right out again. While this may offer a temporary fix, it can get to be a big hassle.


At TitleSmart, hassle is the last word that will come to your mind when you get a loan from us. Getting a TitleSmart car title loan is easy. We take the time and care with our customers to ensure they know everything about their loan upfront and work with them to get the loan amount they need and that fits in their budget. We don't require a ton of paperwork and just some simple documents. All you need to get a TitleSmart loan is your vehicle title and registration, proof of insurance, government-issued I.D., proof of residency (a recent utility bill works), proof of income, and photos of your vehicle (including VIN and odometer). If you don't have insurance, we can help you get insurance while you have your loan out with us. If you aren't employed but are on disability, retired, or have any other type of verifiable income, we can help you out. Everything we do is about making it easy for our customers to get a loan when they need it.

The best part is, we don't check your credit. You can have good credit or bad credit, it won't affect your chance of getting a loan with us. In fact, TitleSmart has nothing to do with your credit score because we don't report to credit agencies. Many payday loans will go against your credit score, while car title loan companies typically do not. Since we don't check your credit score, you won't get dinged for having "too many credit inquires" either. The loan you get from is based solely on your car and the value it has.


Speaking of your car, you can keep driving it while you have a loan out with us. We don't want to stop you from living your life. Being in a financial bind is hard enough and can cause all kinds of stress. The last thing we want to do is add any more stress to the situation. All we need to do is hold on to the title of your car. You get to keep driving it and doing what you need to do to get back on track.

All of this means more convenience for you. We offer competitive interest rates, easy terms, and complete privacy too. We aren't going to ask you to tell us why you need the money. There are no restrictions on how you can use the money you get from us. There are many reasons customers might need a loan. How you use your loan is up to you.


At TitleSmart, top-notch customer service is our priority. When you come to us for a car title loan, we want to make sure you have the best experience all around that you will get anywhere. That means friendly service, fast service, no hassle, and having all of your questions answered. We treat each of our customers like our only customer. Whether you need a loan to get you through tough financial times or just to do something special with your family, we will get you the money without credit checks, without extensive paperwork, and without making you go through a long process. We'll respect your privacy and we even let you pay your loan back early without any penalties.

When you need a loan fast, turn to TitleSmart and let us help you out. We will beat any competitor's rates and we have licensed title loan representatives waiting to help you today. You can get the process started easily. Simply fill out the form here on our website or give us a call at (954) 404-7306. You can even stop by our office and someone will assist you right away. You can be in and out of our office in less than 30 minutes in most cases. We look forward to helping you get the cash you need fast.

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