Get Approved for a Title Loan

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How to Get Approved for a Title Loan


You can get the money you need fast without ever leaving your home to begin, you can even stay in your pajamas if you want.


Car title loans are a great way to get money quickly when you need it the most. If you’re trying to acquire money to cover your financial dilemma, you may be wondering what is the car title

1 – Apply for a car title loan online or in-person

There are several different ways you can begin submitting your information:

  • Go to, click “APPLY NOW,” and get started right away
  • Talk personally with a loan agent on our convenient live chat feature
  • Call and talk to our helpful customer service

Did you know that all you need to qualify for a car title loan is a clear-and-free title on your vehicle and a source of income? You don’t need to worry about credit scores or credit histories when applying for a title loan. If you have a car with a clear title and can prove you get income every month, you’ll be able to apply for a car title loan.

What is a Clear-and-Free Car Title?

Not sure what a clear-and-free car title is, LoanMart is here to help! A clear title is a car title that has no lien or levy from creditors or other parties. The title poses no question of legal ownership. It demonstrates that you are the sole owner, and no other party can claim its ownership.

What is a Source of Income?

  • A job
  • Disability
  • Pension plan
  • Social security
  • Annuity
  • Inheritance

2 – Receive a pre-approval estimate

We’ll call you and/or email you with your approved loan amount based on the agreed terms and required documents you will submit and once they have been approved you are set. ]

Don’t hesitate if you have poor credit or bankruptcy in your past; we care more about your ability to repay the loan and the value of your car more than the state of your credit.

3 – Gather your documents for funding

Some of the basic things we will need from you are:

  • Your car title (don’t worry, we can help if you can’t find it)

The car title needs to be in your name. If the car title has your name listed as well as someone else’s, either party could apply for a title loan in most states.

If you can’t find your car title, we can help, which will make the process even faster.

  • A valid driver’s license or government issued identification.

We won’t judge you on your picture, promise.

  • Proof of residence

A piece of mail like a utility bill is perfect!

  • Proof of income

We’ll take one of those check stubs you usually rip up and throw away, or a bank statement if you are self-employed. If neither of these works, you may have other ways to prove income.

You can show us another stream of income such as self-employment, retirement, disability, or social security. If you are unemployed, we still may be able to help. If we need any other documents, we will tell you about it.

4 – Take pictures of your car

Use your best Insta-skills and snap some shots of your car. Opt for natural lighting instead of adding a filter, it will make your car look the best.

Maybe give your car a little wash so we can see how shiny it is, this is also a really good excuse to go through the car wash and re-visit the child-like thrill of watching those giant mops flop all over your car.

Make it a full-out photo shoot and take a few pictures of your car from multiple angles. Throw on some runway music and wear a beret if that helps.

5 – Sign your car title loan and receive your money

LoanMart has various ways to give you your money, we want this process to be quick and easy – but never rushed, so you have the best car title loan experience possible. We know you want this process to be quick and easy too, that’s why there are absolutely no balloon payments or penalties for pre-payment or paying off your loan early.

Over 250,000 customers helped since 2002

Trusted by over 250,000 customers since 2002, we know how to do business the right way. Our US based customer service team is there for you seven days a week.

All loans will be serviced by LoanMart. See State Disclosures for additional information. LoanMart is currently not lending in California and does not make loans or credit.

1Loan approval is subject to meeting the lender's credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.

2Based on consumers who received a loan from LoanMart from February 2002 to October 2018.

3Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 2PM PT on a business day.

4To exercise the right to rescind, the consumer(s) must notify the lender in writing by midnight on the third calendar day from obtaining the loan. Within one business day from notice of rescission, the consumer(s) must return any monies received and fees paid on behalf of the consumer(s) by certified funds.

5Lenders recommend and encourage consumers to pay early and often and more in order to avoid additional finance charges.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver‘s license or other identifying documents.

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