How to Get a Title Loan with No Credit

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Is it possible to get a car title loan with no credit? Yes! With LoanMart you could get a loan even if you have no credit history by applying for a car title loan.

Not all loans are based solely on the borrower’s credit. Car title loans from LoanMart are one of many customizable solutions for those who are trying to get a loan with no credit. Credit history is very important when getting a loan from a traditional bank.  There are no guarantees for people with medium or low credit, let alone none. LoanMart offers car title loans to help you regardless of not having credit history. We understand having no credit can make it even more challenging to overcome financial hardship than it is for others. Now you can apply for a solution to help sort things out.

No Credit? No Problem

With LoanMart you can get a loan with no credit1. This is because the loan is based on the value of your car and ability to repay, rather than your personal financial background alone. Whether you have credit or not, life can present unexpected challenges and situations. Illnesses or emergency situations could keep you out of work for several days, weeks or even months. These missed opportunities may affect your financial stability. Regardless of the challenges you face, we understand your need for a loan.

LoanMart can help you get the cash you need in as little as one business day3. Our simple application is easy to use and only requires a few personal details. While other lenders may take a long time to present the funds you are looking for, we understand a drawn-out process will only compound problems and make you sink faster when you need help the most. A car title loan is a good option if you have no credit and may not be able to get a loan elsewhere.

The best thing about car title loans is that even having no credit will not hinder you from getting a loan. That is not the same case when it comes to traditional loans or credit cards.

What Is A Car Title Loan?

A car title loan is one that is given to someone that has a car. Initially, the vehicle is evaluated based on its value and equity. To get a good estimate of this, it’s good to know the worth of your vehicle either through a dealer or an internet-based appraisal. With this as one of the primary factors for evaluation, a loan can be awarded using the title as collateral.

In case you are nervous about losing your car in order to get the loan, don’t worry as that’s not the case. With LoanMart you keep your vehicle while repaying the loan, unlike pawnshops where your vehicle might be held captive until the loan is fully repaid. The other plus with this option is that you can use any motor vehicle as collateral as long as it has a title. Pickup trucks, sedans or even motorcycles are acceptable options.

The LoanMart Advantage

LoanMart is a proven and trusted lender providing quality services for more than 10 years. You can rest assured when working with the largest car title loan provider across the West Coast. Working with a reputable lender makes things easier for you throughout the whole process.

Fun Fact: LoanMart has provided car title loans to over 250,000 customers2.

We understand what it means to need financial help. For you, it’s important to find the quickest solution that can help as soon as possible. We don’t believe in dragging out the process.

LoanMart is known for excellence in customer services. Our dedicated representatives ensure that you have all the information about what you are signing up for before a loan is processed. Potential customers are free to decline the offer if it doesn’t meet their expectations. We want to provide an authentic experience and solution to your financial needs. That’s why there are no hidden fees or prepayment penalties with this type of loan. Everything is done transparently to come up with the best plan for you.

LoanMart Products and Services

LoanMart is one of the largest provider of loans for those with no credit. Anyone who owns a car can apply for loans from LoanMart with ease. You could be eligible for a loan to help get out of a tough spot even if you don’t have a credit history1.We are happy to help anyone that may need money quickly while not having credit established.You don’t have time to lose when facing a financial emergency. That’s why we provide fast service, and friendly ongoing support to answer questions or concerns you may have. With one of our loans you can easily apply for the financial services you need to cover emergencies or unexpected expenses.

Can I get a personal loan with no credit?

It can be very difficult to get a personal loan from a traditional financial institution with no credit. Even approval for low-rate peer–to-peer personal loans requires a credit score of 640+ or more. Traditional banks may require the borrower to use an asset as collateral of their home in order to receive a personal loan. The banks may explain that they must be cautious not to lend money to people who are unlikely to pay back their loans. This type of arrangement may shine a spotlight on the borrower’s income and personal history rather than other assets.

LoanMart can provide solutions for individuals in the form of a car title loan. LoanMart offers this type of loan to people by considering other factors besides credit history. That’s how it is possible for you to get a loan with no credit from LoanMart.

Can I get a car loan with no credit?

LoanMart is happy to offer any person with a car the opportunity for a car title loan. We can still approve your loan if you don’t have credit history as the collateral is one of the primary factors for consideration. Verifiable income, and the equity of your vehicle are understood in the application process so that we can make an offer that is best suited for your specific situation.

Is it difficult to get the loan from LoanMart?

It is easy to get a car title loan from LoanMart even if you don’t have credit. Many customers will have to deal with hard applications or extended time frames to get assistance with other financial institutions. Support may seem next to impossible with no credit history or cosigner to back you up. LoanMart is different from other providers because services don’t have strict credit score requirements. We also won’t discriminate against you for having no credit history.

You can apply for a loan easily and get results in as little as one day with LoanMart3. Forget lengthy applications and wait times. LoanMart is easier to work with than most traditional lenders because of our ongoing customer support and reliable service. With LoanMart it is free to apply for a loan even if you don’t have any credit. All you need to do is to follow these quick and easy steps:

1. Apply Online

Go to our application and fill out the loan form on your computer, smartphone or tablet. You can call our customer care line if you have any questions at 1-855-422-7412. After submitting the application online, you will receive confirmation via email.

2. Share the necessary documents:

To complete the application, we just need a few documents from you. Send us these three things to get the approval process started:

  • Government issued photo ID
  • Proof of income
  • Proof of residence

3. Get your money

When we receive your paper work we will call you to talk about what options may be available. At that point you could choose how you will receive the loan as well as repayment terms and conditions that are realistic for your budget and lifestyle.

Improve Your Financial Outlook with No Credit

Don’t struggle just because you have no credit. LoanMart may still be able to offer you the financial support you need. Our loan rates are competitive. A car title loan can be a perfect opportunity to improve your financial situation no matter the emergency. Our customers can access their online accounts very easily, saving you from the frustrations of waiting in long lines for the loan to be processed. Our team works around the clock to help customers get the loan they need as fast as the next business day3.   Your financial past does not have to define the future any longer. We want to see you succeed even if you have no credit. Whether you have been denied a loan before or not, LoanMart may have solutions that are flexible and can improve your situation.

Trusted lender of over 250,000 customers2

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.

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California loans are made or arranged pursuant to a California Financing Law License. See State Disclosures for additional disclosures.

1Loan approval is subject to meeting the lenders 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 PST 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.

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Loans for certain California residents, and residents of Delaware, District of Columbia, Florida, Illinois, Indiana, Kansas, Kentucky, Michigan, Mississippi, Oklahoma, Ohio, Oregon, South Dakota, Tennessee, Texas, and Washington residents are made by Capital Community Bank, a Utah chartered bank located in Provo, UT, Member FDIC. Loans made by Capital Community Bank will be governed by Utah law and serviced by LoanMart.

†All loan applications are subject to meeting Capital Community Bank’s credit criteria, which include providing acceptable property as collateral. Consumers need to demonstrate ability to repay the loan.

To learn about vehicle secured loans made by Capital Community Bank or to submit an application, please click here or visit