Title Loans in Virginia

How Do Title Loans Work in Virginia?

Need emergency cash to get back on your feet? If you are thinking about applying for a title loan in Virginia, it’s important to learn more about how the process works before submitting your application online, in person, or over the phone. As the name suggests, title loans in Virginia are secured by the title to a Virginia-registered vehicle. Whether you live in Virginia Beach, Chesapeake, Arlington or a more rural part of the state, in order to obtain approval for a Virginia car title loan, you must pledge your vehicle’s title as collateral! You will be able to maintain access to your car during the repayment process as long as you can keep up with your monthly payments.¹

You may not need to own the car outright to qualify for Virginia title loans. However, in order to be eligible for a title loan, your vehicle must have positive equity. If you’re still financing your car, that means your vehicle must be worth more than the current loan balance. When using a financed car to apply for an auto title loan in Virginia, the lender may ask you to complete and sign a form authorizing them to pay off your current auto loan.

Title loan eligibility is primarily determined by your income and the total value of your vehicle. If you’re eligible for an auto title loan in Virginia, you can potentially access up to 50% of your vehicle’s overall value.¹

With LoanMart, qualified borrowers can access fast cash in as little as 24 hours! Apply online or call 855-422-7412 to start your title loan application today! If you have questions about title loan options in Virginia, you can give us a call or visit the FAQ page to learn more.^{1 3}

Can I Get a Title Pawn in Virginia?

You may have come across the term “title pawn” and been under the impression that a title pawn and a title loan are the same type of loan option. Although they are similar, there is one distinct difference between them!

As mentioned previously, with a car title loan, you can continue driving your vehicle throughout the repayment process if you’re on time with your monthly payments. However, if you decide to apply for a title pawn in Virginia with a pawnbroker, they may keep your car or truck in their storage lot until you have completely paid off the pawn loan.

What Do I Need to Get Car Title Loans in Virginia?

The application process for car title loans in Virginia can be simple and straightforward. You will need to meet the following basic requirements to apply for a title loan in the Old Dominion State:¹

• Have a Virginia-Issued Vehicle Title in Your Name
• Be Able to Submit Proof of Your Ability to Repay the Loan
• Be of Legal Age to Apply for a Title Loan

In addition to meeting the above title loan requirements in Virginia, you will be required to provide some paperwork during your title loan application.

Virginia residents can expect to need the following documents for a title loan request:¹

• A Qualifying Vehicle Title
• Proof of Income
• A Valid, Government-Issued Photo ID Card
• Proof of Current Address in Virginia
• Recent Pictures of Your Car, SUV, or Truck

Typically, if you’re a resident of Virginia, you will be asked to complete the “Application for Transfer and Supplemental Liens” form before your title loan is funded so that a title lender can place a lien on your car’s title once the loan has been funded. With title loans serviced by LoanMart, there’s no need to stress about this form – it will be pre-filled as much as possible and provided with exact instructions to follow!

You can conveniently upload your documents online or send everything to a title loan agent via email or text message. If you meet the initial requirements and submit the right paperwork, it’s possible to obtain your money in as little as 24 hours through a title loan serviced by LoanMart in Virginia!^{1 3}

Do you have any questions? The title loan requirements in Virginia can be relatively simple. As long as you’re at least 18 years of age, have a qualifying vehicle title in your name, and can prove your ability to repay a loan, you can apply for a title loan!¹ Call LoanMart at 855-422-7412 to get more information about car title loans in Virginia.

How Can I Get Car Title Loans with Instant Approval in Virginia?

If you’re dealing with a financial emergency, you need a loan option that can keep up with your current situation. Fortunately, car title loans in Virginia were designed to be fast, streamlined, and flexible!^{1 3} If you need quick funding, you may wonder if it’s possible to get auto title loans with instant approval in Virginia.

Finding a lender who offers instant approval or instant online title loans in Virginia will be considerably difficult. As previously stated, the application process was designed to be fast, but it is not instantaneous! Many title loan businesses are not open 24/7, and since the lending process typically requires that a loan officer reviews your documents, an instant loan oftentimes isn’t possible simply because you applied outside of the hours of operation.

However, obtaining initial pre-approval for a title loan is possible in real-time! LoanMart’s online inquiry form is shorter than a full loan application in order to allow potential borrowers in Virginia to quickly find out if they can pre-qualify for a loan based on some basic information. Complete the online form to see if you qualify for instant pre-approval for a Virginia title loan today! You can submit a prequalification form at any time of the day or night.^{1 3}

Can I Get Title Loans with No Credit Check in Virginia?

Typically, you will not be able to find auto title loans with no credit check in Virginia. If you’re applying for a loan or a credit card, most reputable lenders and credit card issuers will run a credit check to determine your credit risk. With a credit check, a lender or another financial institution can thoroughly review your financial history and assess your creditworthiness.

Virginia ranks among the states with the highest median credit card debt! High credit utilization can negatively impact your credit score. If you have a rough financial history and a poor credit score, qualifying for another credit card or an unsecured loan can be challenging.

However, with a secured loan like a car title loan, your credit isn’t the focus of the application. A title lender will review your credit history, but as mentioned previously, your eligibility for a title loan is predominately based on your ability to repay the loan and the value of your vehicle.¹

Although finding title loans with no credit checks in Virginia is difficult, you can still qualify for a car title loan with a low credit score! If you qualify for a title loan serviced by LoanMart, you can expect competitive interest rates, no prepayment penalties, and zero hidden fees!^{1 5} Dial 855-422-7412 if you have questions about getting online title loans with bad credit in Virginia.¹

How Can You Get Auto Title Loans with No Store Visit in Virginia?

Are you searching for car title loans online with no store visit in Virginia? With LoanMart, no store visit is required to apply for and receive an online title loan. Just use your smartphone or computer to apply online, and if you’re eligible, you could receive emergency cash as soon as the next business day!^{1 3}

A title loan lender will ask an applicant to complete a vehicle inspection during the inquiry process. Although obtaining title loans with no inspection in Virginia is impossible, with LoanMart, you can take advantage of a virtual inspection and skip the hassle of driving to a storefront location.¹ Simply provide the following pictures to have your vehicle appraised virtually:

1. The Front, Rear, and Sides of the Vehicle
2. The Odometer Reading
3. The Vehicle Identification Number (VIN)

Once the photos are ready, you can upload them online, text them to a LoanMart title loan agent, or send them through email!

As of 2025, the poverty rate in the state of Virginia is over 10%. If you need financial assistance, you can apply for the fast cash you need through a car title loan in Virginia! If you’re eligible for a title loan serviced by LoanMart, you can conveniently choose direct deposit to get your money in as little as 24 hours.^{1 3} Call 855-422-7412 to reach a LoanMart title loan agent and learn more about applying for title loans with direct deposit in Virginia.

Where Can I Apply for Online Title Loans in Virginia?

Applying for online title loans in Virginia doesn’t have to be complicated! With a car title loan serviced by LoanMart, you can use your smartphone or laptop to apply for fast funding today! Click here to apply online, or dial 855-422-7412 to get started on your application.¹ Why wait to find out if you qualify for the fast cash you need?^{1 3}

Pay Back Your Title Loan Serviced by LoanMart in Virginia

Because Title loans serviced by LoanMart are so innovative, borrowers can not only enjoy flexibility when it comes to applying for the loan, but also in regards to making loan payments. Title loans serviced by LoanMart allow borrowers to repay their loans in several convenient ways, including online, over the phone and by making cash payments at participating money transfer locations.

No matter where you are in the state, chances are that there will be a MoneyGram location near where you live or along your daily commute.

Not sure where the closest MoneyGram location is to you? Check out the map below along, which features a dropdown list of a few MoneyGram locations throughout the state of Virginia:

Virginia - key financial and indebtedness figures

The figures below are intended for informational and educational purposes to allow consumers to compare their financial situation to others in Virginia. Empowered with this data, we hope you can make a sound decision to solve your financial needs - if you decide that a title loan is a potential option, we’d be thrilled to assist you.

What Places in Virginia Can I Get a Title Loan Serviced By LoanMart?