What Do I Need for a Title Loan?

If you’re considering a title loan, you’re probably wondering “What do I need for a title loan?” Here’s everything you need to know to get started.

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A Car

When you get a title loan, the lender will hold onto your car’s title until the loan is repaid. This means that you will not be able to sell or trade your car during the loan period. You will need to have a clear title to your car to get a title loan.

The car needs to be fully paid off

In order to get a title loan, the car that is serving as collateral must be fully paid off. This means there is no liens or loans against the car. The car also must be registered and insured in the name of the person taking out the loan. The lender will hold onto the car’s title as security for the loan.

The car needs to be registered and insured in your name

To get a title loan, you’ll need to have a car that’s registered and insured in your name. The car will also need to have a clear title, which means there are no other loans or liens on the vehicle. To get started, you’ll need to bring the following items with you to the lender:

-Your car
-Your car’s registration
-Your car’s insurance card
-Your driver’s license
-Proof of income (pay stubs, bank statements, etc.)
-A blank check from your checking account
-The title to your car

A Photo ID

In order to get a title loan, you’ll need to bring in a few items to your local store. We’re happy to walk you through the process when you come in, but here’s a list of what you’ll need to get started:

-A Photo ID: We need to confirm your identity. A valid driver’s license, state ID, passport or military ID will work.
-The Vehicle: The car, truck or motorcycle you want to use as collateral for the loan.
-The Title: The car title is needed so we can put a lien on it. You’ll still be able to drive your vehicle while you’re repaying the loan.
-Proof of Income: You don’t need a job, but you will need some way to repay the loan. This could be in the form of disability benefits, alimony payments, child support payments or another source of regular income.
-Proof of Insurance: You’ll need to maintain full insurance coverage on the vehicle while the loan is active.

Proof of Income

A title loan is a secured loan that uses your vehicle as collateral. The amount of money you can borrow is based on the value of your vehicle. To get a title loan, you’ll need to have a clear title to your vehicle. This means that you can’t have any outstanding loans or liens on your vehicle. You’ll also need to show proof of income to the lender.


Paystubs act as proof of income when applying for a title loan. The lender will use your paystubs to verify your employment and income. Be sure to bring at least two recent paystubs when you apply for a title loan.

Bank Statements

Lenders need to see your current financial situation to determine if you can afford the loan. This is where bank statements come in. Your lender will likely ask to see 2-3 months of recent bank statements from all accounts that you plan to use as collateral. They will be looking for things like:
-A consistent history of income deposited into the account
-A reasonable balance in the account (too high or too low could be a red flag)
-Recent activity that shows you are using the account responsibly


In order to qualify for a title loan, you will need to have the following items:
-A clear, or lien-free, car title in your name
-A valid ID, such as a driver’s license, state ID card, or passport
-Proof of income, such as pay stubs or bank account statements
-Proof of residency, such as a utility bill or lease agreement
-A set of car keys

A Clear Car Title

To get a title loan, you’ll need a clear car title. This means that you own your car outright and there are no liens or loans outstanding on the vehicle. If you have a loan on your car, you’ll need to pay it off before you can get a title loan. You can use the money from your title loan to do this.

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