Does the Car Have to be Present for a Title Loan?

April 19, 2019

A car title loan really is one of the best, most convenient ways to get a loan when you need cash fast. For many Americans, a car title loan is not only the best option for getting the money you need fast, it is the only option. Financial emergencies can come up at a moment's notice, and for many Americans, there is no savings to fall back on, credit issues that can prevent getting a traditional loan, or a lack of collateral. Traditional loans can also take time to get, which may not be an option in an emergency situation. These are some of the reasons car title loans are such a great way to get a loan fast. If you have a car with a clear title, chances are good you can get the money you need at a car title loan company. Since you use your car to secure the loan, many of you may be wondering, does the car have to be present for a Title Loan? Let's first take a look at what a car title loan is and how it works.

How Does a Car Title Loan Work?

As mentioned earlier, a car title loan is a loan that you get using the equity in your vehicle. If you have a car with a clear title (no lien on it), chances are good you can use that car (or a truck, van, etc.) to get a loan. The value of the vehicle itself determines the amount of the loan you can get, and in most cases, the vehicle you're using has to meet the specific criteria of the car title company you go through to get the loan. These requirements are minimal and in most cases easily met.

What makes car title loans so attractive is the minimal requirements necessary to get one. In many cases, you don't need to be employed, although you do need a source of income. You simply need a valid I.D., proof of income, and proof of residence, which is typically two utility bills in your name. The paperwork is minimal as well, making car title loans less stressful and easier to get than other types of loans. All you need for a car title loan is a car with a free and clear title that is in the name of the person applying for the loan.


Which brings us to the question, does the car have to be present for a title loan? The answer to this question, in most cases, is yes. If the financial institution you are using to get the loan requires the car be inspected, then you will need to bring the car with you at the time you get the loan. Many title loan agencies require an inspection of the vehicle you are using to secure the loan. This helps verify that you have possession of the car and that the car is in working order. It would be too easy to bring in a title to a car you didn't actually still own, so this is a means of protection for the car title company.

TitleSmart is the Smart Choice for Car Title Loans

Getting the loan you need couldn't be easier at TitleSmart. All you need to bring with you is your original vehicle title, a government-issued I.D. a car title that's free and clear (with the same of the loan applicant on it), proof of residence (utility bill, cable bill, or credit card statement), proof of insurance, proof of income or proof of ability to pay the loan back, a few personal references, photos of the vehicle, and photos of VIN and odometer. That's all there is to it. We will need you to bring the vehicle in for us to inspect, but it will take just a few minutes. We do this to ensure there is no damage on the car that changes the value. We can assess your car on the spot, determine your loan amount, and get to work getting you the money you need. You don't have to leave your car with us at all, which means you can still drive it and continue your day to day business without interruption.


At TitleSmart, we value our customers and will always work hard to get the amount of the loan requested. We work with our customers to give the best customer service and loan experience possible at all times. Since we don't want to add extra stress to your situation, we work with our customers on an individual basis to get not only the loan amount needed, but we work to find the terms that will best fit the needs of the customer.

At TitleSmart, we have qualified loan experts who understand your needs, so when you come see us, you can expect service that goes above and beyond. As we mentioned earlier, you won't need to leave your car with us to obtain a loan. We want you to be able to get the money you need to take care of your financial responsibilities without making changes in the way you live. We understand that a financial crisis is already difficult enough. We want to be a part of the solution, so we go out of our way to make our terms and conditions as easy as possible for you, our valued customers.

Come see us at TitleSmart when you find yourself in need of a loan for any reason. We will quickly assess your vehicle and get you a personalized loan in 30 minutes. We will be able to let you know what loan amount you qualify for and get you the money on the same day you apply. When you are in need of a car title loan in Florida, TitleSmart is the car title loan company you've been looking for. Don't let a financial crunch get you down. We're here to help. Fill out the form on our web site or give us a call at (954) 404-7306.

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