Can You Apply for Title Loans in Washington?

Title loans are not available in every state, but it is possible to apply for title loans in Washington. According to the United States Census Bureau, the total population of Washington is well over 7 million. Whether you are a resident of TacomaSeattle, or another city in the Evergreen State, you can apply for a title loan serviced by LoanMart online or over the phone and quickly find out if you can borrow against the value of your car.1 3

If you are thinking about applying for a title loan in Washington, you may be curious about the current title loan laws in Washington. The minimum age for applying for a title loan in Washington is 18 years old. Additionally, in order to obtain approval for a title loan, you must meet the lender’s application criteria and provide the proper documentation to verify your information. Keep reading to learn more about applying for title loans in Washington! If you have any questions about applying for a title loan serviced by LoanMart, give us a call at 855-422-7412 today.1

How Do Title Loans Work in Washington?

Title Loans Washington

Looking to learn more about how title loans work in Washington? Since title loans are secured loans, you must pledge your car’s title as collateral for the loan. All different kinds of vehicles can be used as collateral for title loans in Washington, including:

  • Cars
  • Trucks
  • Sedans
  • SUVs

If you obtain approval for an online title loan in Washington, you can typically borrow up to 50% of your vehicle’s value! Title loans can be a convenient way to access the emergency funding you need.1 3 When the loan is complete, a title lender will add a lien to your car’s title, but it will be removed once you have completely paid off your title loan. In order to maintain access to your car throughout the repayment process, you will need to pay your loan on time each month.

A title loan is secured by the value of your vehicle, which is why you are required to pledge your vehicle’s title as collateral in order to obtain funding. Your car is an integral part of the application process! Your eligibility and loan amount are primarily determined by the value of your vehicle and your income.1 If you have any questions about applying for title loans in Washington, just visit our FAQ page or give us a call at 855-422-7412. Our title loan agents are available 6 days a week to walk you through the application process and answer your questions!1

How to Get Title Loans with Instant Approval in Washington?

Typically, finding a lender who offers car title loans with instant approval in Washington will be downright impossible. Many reputable lenders will need to verify your personal information and income before you can proceed with the remainder of your application!

Instead, as a resident of Washington, you can apply for a title loan serviced by LoanMart online and see if you qualify for instant pre-approval today. Click here to apply online and find out if you qualify for a title loan in Washington today!1

online title loans Washington

Can You Get Title Loans with No Credit Check in Washington?

Generally, getting title loans with no credit check in Washington is improbable because a credit check is an essential part of the title loan application process. The main purpose of a credit check is for the lender to review an applicant’s credit history and determine if they are capable of taking on new debt. Here is a short list of what an applicant’s credit history will include:

You may have a poor credit score if you have a history of late payments, past bankruptcy, or high credit utilization. If you are not confident with your current credit score, applying for a loan can seem like a daunting task. However, it is possible to get bad credit title loans in Washington!1

With an unsecured loan option like a personal loan, your credit score is the main focus of your application. With a title loan, your credit history will be considered by the lender, but it is possible to get bad credit title loans in Washington! Therefore, you shouldn’t let your credit history hold you back. Apply for title loans with bad credit in Washington today and find out if you are eligible for fast cash!1 3

What Do I Need to Get Title Loans Online With No Store Visit in Washington?

Many Americans prefer to conduct their business online and skip driving to a storefront location. Applying for online title loans in Washington can be convenient and streamlined, and you don’t need to leave your home to submit an application!

Here is a short list of documents that an applicant will need to apply for a title loan online with no store visit in Washington:1

  • WA Vehicle Title in the Applicant’s Name: Applicants are required to submit the title of a qualifying vehicle in their name when applying for a loan. Additionally, in order to apply for a title loan, a prospective borrower residing in Washington will generally need to complete a “Vehicle Title Application” and have it notarized.
  • Verifiable Income: An applicant can prove their income through specific documents, such as recent pay stubs, bank statements, and disability award letters.
  • Proof of Identity and Age: In order for an applicant to verify their age and identity, they will need to submit a valid, government-issued photo ID card, such as a driver’s license, passport, or permanent resident card.
  • Proof of Current Residence in Washington: Additionally, an applicant will need to have proof of residence in Washington to apply for a car title loan. Prospective borrowers tend to submit recent utility bills, bank statements, credit card statements, or rental / lease agreements during their applications.
  • Proof of Collateral: In order to obtain a title loan serviced by LoanMart with no store visit, an applicant must complete a virtual vehicle inspection. An applicant will be required to upload their documents and a few pictures of their vehicle online! These pictures and documents can also be conveniently sent to a title loan agent via email or text message.

What are the Title Loan Requirements in Washington?

The title loan requirements in Washington can be quite simple and straightforward. In order to obtain approval for a title loan serviced by LoanMart in the Evergreen state, you must meet the following application criteria:1

  • Demonstrate Your Ability to Repay a Car Title Loan: You are required to provide proof of income during your application in order to prove that you are capable of repaying the title loan.1
  • Be of Legal Age to Apply for a Title Loan in Washington: As previously mentioned, in order to get a title loan in Washington, you must be at least 18 years old.
  • Have a Vehicle With Equity: Since you are borrowing against the value of your vehicle through a title loan, your car or truck must have a reasonable amount of positive equity. That means that the market value of your vehicle exceeds the amount that you still owe on it.

Where Can I Apply for Instant Online Title Loans in Washington?

Looking for instant online title loans in Washington? Although you will not be able to get instant approval for a car title loan, you can instantly find out if you are pre-approved for a title loan serviced by LoanMart in Washington today. Here’s a closer look at the application process for a Washington title loan:1 3

  • Call or Click to Apply: You can conveniently choose between applying for a title loan online or over the phone with a LoanMart title loan agent! Both methods can take just a few minutes to complete. There is no store visit required to find out if you are eligible for the emergency cash you need.1 3
  • Upload Your Documents Online: If you are initially approved for a title loan, you will be asked to provide a few important documents to verify your information. Conveniently submit these documents online or send them to a LoanMart title loan representative through email or text message. These documents will be reviewed by a title loan agent and verified for completeness.
  • Get Your Emergency Funding if You Qualify: If you are eligible for a title loan serviced by LoanMart, the last step of the application process is to sign your electronic loan agreement! Eligible borrowers can choose direct deposit to receive their funds in as little as one business day.1 3

With LoanMart, you can expect a flexible and convenient application process, competitive interest rates, and no hidden fees or prepayment penalties! Don’t wait to find out if you are eligible for the fast cash you need to get back on your feet.1 5

To apply for a title loan in Washington, simply fill out a short inquiry form online or give us a call at 855-422-7412. There is no hassle to apply for the financial help you need!1

Frequently Asked Questions:

How Do I Get a Title Loan in Washington?

Why Choose a Car Title Loan Serviced by LoanMart in Washington?

Will My Credit be Affected by a Title Loan in Washington?

What Can I Use My Title Loan Funding for in Washington?

How Do I Pay Back My Auto Title Loan in Washington?

Demographic and Financial Statistics for Washington

The below table provides some of the key income, loan and financial statistics for Washington which are intended to give you a better understanding of how your financial circumstances compare to other Washington residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:

Average credit score (VantageScore®)715
Average FICO® score734
Average student loan debt$35,510
Average credit card debt$6,156
Average monthly car loan payment$550
Share of households that rent37%
Average rent$1,337
Median gross rent$1,439
Median value of owner-occupied housing units$397,600
Median monthly owner costs - with a mortgage$2,064
Median monthly owner costs$646
Number of bank branches1,439
Median household income$82,400
Per capita income$43,817
Average title loan amount$4,242