Are you looking to sell your car but haven’t fully paid it off yet? Or maybe you need to borrow more money using your vehicle as collateral and need to transfer the car’s title to someone else? You may be wondering if it’s possible to sell a vehicle with a title loan on it.

Selling a car is possible if you have a title loan, but the loan must be fully paid off before you can transfer the title to a new owner. This doesn’t mean that you can’t sell a car with a title loan, though, only that you need to take a few extra steps to do so.

Is It Legal To Sell A Vehicle With A Title Loan On It?

You can sell any car you own at any time. However, only the primary lienholder can transfer ownership of the vehicle to another person. With increasing oversight from the various state DMVs, it’s no longer possible to sell a car without a legitimate title transfer in place. For instance, the California DMV now offers title transfers online; however, you still need to submit the vehicle’s VIN, license plate number, purchase date, and purchase price.

If you have a title loan on your car, you’re not the legal owner of the title—the entity that extended the loan to you is. For instance, when you purchase a new vehicle from a dealership, the finance company that gave you the loan for the car is the owner of the title.

Even if you purchased and didn’t lease the vehicle, you do not become the primary lienholder until you fully pay off the loan. This means it’s illegal to sell a car with a title loan still on it until that loan is completely paid off. Even if someone happens to purchase the vehicle itself, your state’s DMV won’t list them as the main lienholder and that’s all that matters in the court of law.

How to Sell a Car with a Title Loan

If you’re interested in learning how to sell a car with a title loan, you may have several options.

The most straightforward way to give yourself the most options is to pay off the title loan. Once you do that, you will be the legal title holder, and you can sell the car to whomever you want. At Premier Title Loans, we recommend using our title loan calculator to find a way to pay off your existing loan. It only takes a few minutes to plug in your loan details, and there’s a chance Premier Title Loans can offer a lower monthly payment or quicker payoff term!

This might not be possible, though, depending on how much money is still left on the loan and your financial situation.

That’s why one of the most common options for selling a car with a title loan on it is to use it as a trade-in at a dealership when you purchase or lease a new vehicle. In this case, the dealership where you obtain the new car will use the trade-in value of your current vehicle to pay off the title loan, which in turn transfers ownership of the title to them, allowing you to transfer it.

The obvious upside is that it’s an easy way to figure out how to sell a car with a title loan. The downside is that most dealerships will require you to purchase a new vehicle to do this, and you will likely get a lower sales price (or trade-in value) for your car than if you sold it to a private party.

Does Anyone Buy Vehicles With A Title Loan On Them?

If neither of the above options suits you well, you may have other options for selling your vehicle.

So, the answer to the question of whether I can sell my car with a title loan elsewhere is … maybe. However, keep in mind that you can never sell something that you don’t own. Even if you have the keys to your vehicle and drive it as you please, you’re not the first lienholder or “owner” if you don’t have the car’s title.

If you prefer to sell it to a private party and don’t have the money to pay off the title loan first, you could use the funds you receive from the buyer to pay off the loan. However, you would need to receive all or a portion of those funds from the buyer before transferring the car to them.

This often makes it challenging to find a private party to buy a car with a title loan on it, because they’d have to pay upfront before receiving the vehicle. This would require a significant amount of trust and/or an official contract to be drawn up.

If this doesn’t work, do you have any other options?

You might be able to find a dealer who buys cars with title loans without forcing you to purchase or lease another vehicle from them.

These dealers would determine the payoff amount for your title loan from the current lender and then send them the money to settle the loan. They would then become the primary lienholder, allowing you to transfer the car to them.

In this case, if your vehicle is worth more than what you owe on the title loan, you could walk away with some money in your pocket. If it’s not, you may need to pay the dealer the difference between the title loan amount and what they were willing to pay you for the car.

Scrap A Vehicle That Has An Existing Title Loan

Scrapping a car for cash is typically done when the vehicle has little to no value or is no longer roadworthy. Many cars are sold for scrap after being involved in an accident or when they’d otherwise be salvaged or junked. Vehicles are also scrapped when they fail to meet emissions standards, which is quite common in California and other progressive states. While you can often scrap a vehicle at any time, it becomes difficult if the car is not titled in your name. As long as you pay off the title loan first, you can scrap the vehicle. However, no junkyard or mechanic will allow you to scrap the car if you’re not the primary lienholder.

Once the loan has been satisfied, you will become the primary vehicle owner. At this point, you can do whatever you want with it, including scrapping it and collecting the value of the materials.

If you wish to proceed, please don’t hesitate to contact your lienholder first to determine the payoff amount and the payment process. Once you receive the vehicle’s title, you can scrap it.

Selling A Car With A Title Loan On It Is Never Easy Or Simple!

In almost every scenario, only the car’s legal owner can sell a vehicle and adequately handle the title transfer process. Even in the case of a second lien title loan or refinance, there’s only one true owner of a vehicle at any given time. This means you’ll have to pay off a title loan before selling your car, and no company will allow you to buy or sell a vehicle if there’s a title loan on it.

That being said, there are some options for doing so. These options include working with your first lender to see if they’re open to a title loan buyout, or perhaps they will allow you to refinance an existing car title loan with a new lender. If you are exploring ways to sell your car with a title loan on it or are looking for a new title loan, contact Premier Title Loans today online or by calling 800-250-6729.

Life can bring unexpected changes and sometimes there’s no way to borrow money without some type of collateral. So what options are available if you need cash within 24 hours but don’t have perfect credit?

Title loans often offer higher funding limits at more favorable rates than personal loans because they use your car as collateral. You can typically borrow $2,000 or more without a credit check, and some lenders offer cash disbursement in one business day or less!

But what happens if you already have an existing title loan from another lender, and why would a title loan company offer a 2nd lien title loan if they’re not the primary lienholder? Below, we’ll explain what these second lien title loans are, how they work and whether they’re possible at all.

What Are 2nd Lien Title Loans?

Before we discuss second lien title loans and whether they’re possible, it’s important to understand what title loans are.

A title loan is secured by real property as a vehicle or anything else that can be registered with your local DMV. Just like a mortgage loan on a home purchase, a car title loan uses collateral to secure the loan.

In this case, your car is the physical asset used to secure the loan. Credit cards and many personal loans are considered unsecured loans. They don’t require collateral to open; the lender simply extends you a line of credit that you can use however you see fit.

A secured loan, like a title loan, works much differently from unsecured loans. If you don’t repay your unsecured loan, the lender can only use traditional means to seek repayment, such as sending you to collections or filing a civil lawsuit.

If you don’t repay a secured loan, the lender can take possession of the collateral from you —in this case, your car. In other words, a title loan company can repossess your vehicle and sell the car at auction to offset the amount you owe. When you’re approved for a car title loan, the lender will be the primary lienholder on the vehicle until you pay the loan off.

The nature of these loans means it’s not as straightforward to get 2nd lien title loans as it is to get a title loan if you own the title outright. However, that doesn’t mean it’s impossible to get 2nd lien title loan in the right situation!

How To Get A Title Loan With A Lien

While it’s certainly easier to get a title loan if you own the title to your car, this doesn’t mean that a title loan with a lien on a car isn’t possible; it may just be more challenging and require some extra steps.

If you already have a lien on your car’s title, some additional lenders may not be willing to extend you a loan. That’s because they would become the second lien title loan holder, which limits how much leverage they have over the collateral.

At the same time, some companies offering car title loans online also offer second lien title loans.

If you want a second lien title loan, you’ll have to search for a lender who offers them. That lender will then need to contact the first lienholder to find out whether they will allow a second lien to be added to the car.

If they do, you can apply for 2nd lien title loans.

Keep in mind, though, that as of 2025, some states do not allow second lien title loans. If you live in one of those states and your car is registered there, you must find another way to get the money you need.

Title Loan Requirements With A Lien On A Car?

As mentioned above, the first requirement to obtain such a loan is to ensure your car is registered in a state where second lien title loans are allowed. If it is, you will need to find a lender offering these types of loans.

Just like all other loan types, we require information about your vehicle to get you pre-approved for a second lien title loan. We need all of your personal information, and you will also likely need to prove that you have the income and/or financial assets available to satisfy both the first and second lien on the car.

In some cases, the new lender will pay off the first lender and become the sole lienholder on your vehicle. In other cases, they may just place a second lien on the car.

Remember that your vehicle’s value likely decreased after you obtained the first loan. This means you may not be able to get as much money with second lien title loans, even if your income, financial assets, and credit score are the same or better than they were before.

Is It A Good Idea To Get A Title Loan With A Lien?

Whether it’s a good idea to get a second lien title loan depends on your situation.

In some cases, 2nd lien title loans can be very beneficial. Compared to unsecured loans, they offer many potential benefits, including …

• A set term that provides you with cost certainty
• Lump sum payments with no restrictions on how you can use the money
• A higher limit
• A lower interest rate and better terms

Even if the terms of second lien title loans aren’t as good as those of the first lien, they could still be much better than that of other unsecured loan options. Premier Title Loans offers a title loan calculator that allows you to estimate your interest rates and payoff terms before you apply for a 2nd lien title loan. Use this calculator before you ever agree to terms with a lender!

Options For Second Lien Title Loans with Premier Title Loans

Even if you don’t own your car outright, you may still qualify for a 2nd tier title loan. If you’re still paying off your vehicle, some lenders will still extend you secured loan offers using your vehicle as collateral.

You need to weigh many different factors before taking out one of these loans, though, and not every state makes these loans available. If you need money and are wondering whether second lien title loans would be good for you,  contact Premier Title Loans online or by calling 800-250-6729. We can’t guarantee we’ll get you approved for a second lien title loan, but there are some scenarios where your lienholder will sign off on the loan!

Title loans usually require collateral, which includes your vehicle and, usually, car insurance. A lender must be assured that the vehicle they’re putting a lien on will be protected against losses or damage since that vehicle is their collateral. If you don’t have car insurance, it’s creating a big risk for the lender, plus not having insurance could violate loan agreement terms or be illegal in your jurisdiction.

If you’re interested in a title loan with no insurance, it is possible, but it’s harder to find a lender who will work with you if your car isn’t insured.

How Does Car Insurance Work With A Title Loan?

When you insure a vehicle, a contract is created between you and your insurance company. You pay a premium; in return, an insurer provides financial protection against certain types of damage, vehicle loss, or liability if you’re responsible for injuries or damages to others.

You purchase a policy from an insurance company that outlines the coverage you’re buying, the premium you’ll pay, and the terms and conditions.

Car insurance can include the following types of coverage:

• Liability coverage covers you if you’re in an accident and you cause damage or injuries to someone else.
• Collision coverage is for vehicle damage if you hit another car or object.
• Comprehensive coverage is for vehicle damage from something other than a collision, like theft or vandalism.
• Uninsured/underinsured motorist coverage is for expenses that you might face if you’re in an accident caused by someone else without insurance or enough coverage for all the damages.
• Personal injury protection, also known as no-fault coverage, includes medical expenses and other costs that could stem from an accident, regardless of who was at fault.

You pay your premium to your insurance company monthly, quarterly, semi-annually or annually, and that amount is based on things like your driving record and age.

You can file a claim with your insurer if you are in an accident or your vehicle sustains damage. At that point, the insurance company will evaluate your claim, and if it’s approved, they’ll either pay for repairs directly to a shop or reimburse you for the costs minus your deductible.

Your insurance will usually extend for a period of time, like six months or a year. You’ll have the option to renew before your policy expires.

Do You Need Insurance to Get a Title Loan?

To go back to the original question of whether you can pawn a car title without insurance, the answer is generally no because the insurance protects the lender. If you use your vehicle as collateral, the lender has a financial interest until a loan is paid in full. Similar to if you wanted a title loan with an out of state lender or a title loan buyout of $5,000 or more, these loans can be tough to qualify for, and it makes sense to take time and get full insurance coverage on the vehicle.

If your vehicle were to be damaged, insurance would reassure the lender that their investment is protected. Many states also have laws requiring vehicles to be insured. Lenders might require insurance to protect themselves legally and comply with relevant laws.

Some lenders offering title loans online will outline specific requirements to their borrowers, including maintaining insurance coverage throughout their loan duration.

Additionally, if a vehicle is damaged without insurance, its value can diminish. That leaves a lender with a less valuable asset if they need to repossess and sell it to get their money back if the borrower defaults on the loan.

If You Don’t Have Insurance, How Can You Get a Title Loan?

While it’s pretty difficult and not possible in some jurisdictions, in others, you may be able to get a title loan with no insurance.

You would have to find a lender willing to work with you. Some lenders have flexible requirements, and others might specialize in working with borrowers who don’t have insurance.

Outside of those options, others, if you need a loan quickly, would be to use alternative collateral like valuable personal belongings or obtain car insurance.

What If You Have a Title Loan and Get into An Accident?

If you get into an accident, your vehicle has a title loan on it, and you also have insurance, the handling of insurance proceeds can depend on your loan agreement, the extent of the damage, and your insurance coverage.

Generally, if you’re at fault in an accident, your liability insurance covers damage to the other party’s vehicle and any injuries they have. Liability coverage is separate from your title loan agreement and, in most places, is legally required.

If you have collision or comprehensive coverage, it may cover damage to your vehicle regardless of who is at fault.

After an accident, you file a claim, and the insurance company investigates. If your insurer approves your claim, it will pay you directly or send the funds to a repair shop.

Since your vehicle is loan collateral, your lender may require you to handle insurance procedures in a certain way. Some lenders could require you to use the insurance payout to repair the vehicle, but others might not have this requirement.

You must communicate with the title loan lender about the accident and the insurance claim process. Depending on the extent of the damage and insurance payout, you’re still likely to be responsible for paying off your title loan, even if your vehicle is damaged or totaled.

Final Thoughts About Insurance Requirements For A Title Loa

While getting a title loan without insurance is technically possible, it’s not common. Insurance protects the title loan company’s collateral, which is why it’s often required.

If you want to explore your funding options, contact Premier Title Loans online or call 800-250-6729! 

Title loans have long been a lifesaver for anyone needing money. They offer quick approval and fast funding if you own a vehicle that’s paid off and registered in your name. But what happens if you apply for a title loan using a salvage or rebuilt title? Is a title loan even an option for you, and can you get approved in the same amount of time? Not only that, but how much can you borrow, and what types of salvage vehicles qualify? At Premier Title Loans, we make the application process easy, and in this article, we’ll explain how these loans work and what you need to qualify!

Salvage title loans are real; most lenders can offer loans $1,000 or more, even with a rebuilt or reconstructed car as collateral! These rebuilt title loans are an effective way to cash out equity from your vehicle, and you won’t need perfect credit to be approved. Like a typical title loan, you don’t need to worry about your credit score during the underwriting process. That’s because there’s equity in your vehicle, and there’s minimal focus on your credit history when applying for a salvage title loan.

How Do Rebuilt Title Loans Work – What You Need to Know

Salvage title loans function like a typical title loan that uses a car with a clean and clear pink slip as collateral. The borrower uses their vehicle as collateral and a lender offers a secured loan based on the vehicle’s value. If you’re looking for a title loan on a rebuilt or salvage title, that means your car or truck has been damaged in an accident or natural disaster. The insurer then labeled the title “salvaged,” as replacing the vehicle was likely less expensive than fixing it. Salvage titles are typically issued when the vehicle has been declared a total loss or when repair estimates amount to 7% or more of the vehicle’s resale value.

Some insurers allow vehicle owners to keep the vehicle after they’ve written off the loss. You’ll eventually get a new title, and the pink slip will show the car as “salvaged” or “rebuilt.” While salvage vehicles often have much lower resale values than a typical vehicle, they’re still worth money and can always be used as equity for a title loan. Is your salvage car, truck, or motorcycle worth at least $3,000? If so, you can qualify for a title loan in Tennessee and other southern states with lower loan amounts. For California title loans, your salvage vehicle must be worth $5,000 or more.

The Application Process – What Required For A Salvage Title Loan

To see how much you can borrow with a salvage title loan, apply online or over the phone at 800-250-6279 with Premier Title Loans. We need brief details about the vehicle, including its make, model, and VIN. Since the car has been salvaged, we may also need to know what damage it initially sustained and what’s been done to fix it. Based on comparable sales, we’ll determine how much the car is worth and develop a quick estimate for your rebuilt title loan.

During the underwriting process, you must submit proof that you own the vehicle. The car’s rebuilt title will eventually be signed over to the lender, who’ll keep it until the loan is fully repaid. Don’t worry about not being able to drive your car! All we need is your junk car’s pink slip, as the lender will be added as a lienholder, and you can keep the keys!

You must submit proof of income showing you make enough each month to repay any loan with the car as collateral. This can be done with payment stubs or bank statements to verify you have sufficient cash. You may also need to send proof of vehicle insurance and that your vehicle is properly registered. In some cases, we’ll need documents from your insurer to verify why your car’s title was salvaged and what happened during the accident.

How Does a Rebuilt or “Salvage” Title Loan Compare to a Typical Title Loan?

Salvage title loans often have a higher APR and shorter repayment terms than traditional car title loans and car equity loans. That’s because lenders charge higher rates as they’re taking on more risk with a vehicle that’s been rebuilt. Expect an interest rate of 50% or more with any rebuilt title loan and some companies can assess a rate that exceeds 100% if you’re looking to borrow more than $5,000. Interest rates on junk or salvage vehicles are often higher because there’s far more risk for a lender. It can be difficult to accurately price a salvage vehicle and you’ll see that risk passed on to you in the form of higher interest rates and a quicker repayment term.

These loans typically come with lower funding amounts because your vehicle is worth less. All salvaged vehicles have a resale value far lower than comparable vehicles, which is reflected in the loan amount. Look for a loan amount that starts at $500 with a salvage title loan, and in some cases, you can borrow up to $5,000.

Salvage Title Loans – What Else To Know

All types of title loans are quickly approved, assuming the required documents are in order, including title loans on salvaged vehicles. However, it may take longer to underwrite a salvage vehicle as there are more things to underwrite, and you’ll likely need to bring the vehicle in for a full in-person inspection. We’ll need to confirm the car is salvaged and review the initial accident or loss to ensure no further damage could lower the vehicle’s value.

Anytime you apply with Premier Title Loans using a rebuilt car title, we’ll process your information quickly and give you a few different lending options with multiple repayment terms. That way, you can compare our offers to those of other online lenders and decide what works best.

Be sure to only work with experienced companies dealing with rebuilt vehicles. Yes, many online companies claim to offer cash for salvage titles. Still, many of these services don’t know how difficult it is to come up with a realistic vehicle value on a rebuilt or “junk car,” and they may offer you far less than what the vehicle is appraised for. Look for lenders that advertise their ability to provide equity loans on a rebuilt vehicle!

Apply Today With Premier Title Loans Using A Rebuilt Title

Premier Title Loans works with all types of applicants, and it doesn’t matter if you have a brand new vehicle or a junk vehicle that’s been salvaged and sold to you by an insurance company. As long as it’s paid off, registered in your name, and valued at $3,000 or more, we can help you! Apply online or call us at 800-250-6279 for a quote in 30 minutes or less.

Title loans are a great way to borrow money quickly, and they’re typically approved with minimal documents required other than the car’s title. But what happens if you cannot make the required payments or have already fallen behind on your loan? In this scenario, a title loan buyout is a realistic option to find a new lender willing to reduce your rates or refinance your loan with more favorable payment terms.

A buyout can save you money, get you back on track with payments, and avoid the more drastic scenario of your lender repossessing the car and selling it at an auction!

How Does A Title Loan Buyout Work

A title loan buyout means you’re working with a new lender that agrees to refinance the existing title loan. The desired outcome with any buyout is to get a new loan with better interest rates and extend the payment term to a more manageable level. Some customers will look to lower the monthly payments on their loan

if they can no longer afford the amount due. However, reducing the monthly payment can make it more challenging to repay the loan as less money each month will go towards interest.

A title loan buyout leaves you with a fresh start with a loan on a pink slip, and in most instances, the new financing company will buy out your original lender. With these buyouts, you can save a considerable amount of money, but they’re also tough to get approved for, as some companies are hesitant to offer loans when you’re already behind on the payments.

Apply with Premier Title Loans For A Loan Buyout

You’ll be pleased to know that Premier Title Loans offers buyouts on most eligible car title loans. That means we can get you a new payoff term and possibly reduce the interest rate on your current loan. All we require is proof and documentation of your current

loan. That can be with the existing loan documents; we’ll need your lender’s contact information.

We’ll contact them and attempt to refinance or buy out that loan, and in turn, you’ll get a fresh start with our lending offer. Anyone who applies with us using a typical title loan or even a salvage title loan will be considered. Still, you have a better chance of approval if your vehicle has not been repossessed and you are current on the monthly payments.

Benefits Of Buying Out A Title Loan

Improved Interest Rates – It doesn’t make sense to continue paying a title loan if you can get that same loan at a lower rate. Most loan buyouts result in significant interest rate reductions, which means an expedited repayment term.

Less Financial Stress – Let’s face it: defaulting on a title loan can lead to increased financial stress, where you may lose your vehicle to a repossession. Having a loan bought out alleviates the financial burden, and you can hopefully avoid additional late fees and interest charges.

Increase Your Credit Score – Most title loan companies report your credit score to the credit bureaus, and if you fall behind on the payment, your FICO score will suffer. When a lender buys out your loan, that gets you back on track with the payments, and you can improve your credit score.

Quicker Payoff Terms – No one wants to make payments on a loan if there’s a faster payoff available. Premier Title Loans can help by buying out your loan to get a faster repayment term. Instead of paying off your bad credit title loan in 12 months, a buyout can reduce that term to 6 months or less!

What To Look For With A Buyout On Your Car Title Loan

Any time you consider refinancing your loan, you need to think if buying out an existing loan is worth your time. Will you save a substantial amount of money with a buyout, and can you end up paying off your loan earlier than you initially expected? If either answer is yes, it makes sense to shop around and get a few quotes to see if you can save money by refinancing a title loan.

You also want to look out for companies that claim they can buy out your car title loan if you’ve already defaulted or had the vehicle repossessed. In this scenario, it’s challenging for any lender to approve a buyout as they would essentially be taking on a loan obligation already in default. It’s unlikely that a company offering a car title loan near me would pay off the existing loan, only to be left with a situation where you can no longer make the payments on your new lending terms.

New Payment Terms And Interest Rates With A Premier Title Loans Buyout

Applying for a title loan buyout with Premier Title Loans is a way to reduce the interest or lower the payoff term. Contact us at 800-250-6279 if you’re unsatisfied with your current APR or want to see if we can help you pay off your loan quicker! We’ll get you a lending estimate in minutes to tell you if a buyout is right for you!

We’ve all been in situations where money becomes tight, and in some circumstances, you may need cash on a Sunday or bank holiday. But what can you do if most banks and finance companies are closed during off hours?

If you need a loan on a weekend, you should consider a car title loan company that’s open and funding loans on any day of the week. Here at Premier Title Loans, we make it easy to find title loan lenders that offer same day cash loans on weekends and holidays!

Find A Title Loan Lender That’s Open On Sunday

When looking for a title loan place open that’s open on Sundays, it’s important to not only find a company that offers same day cash, but one that has manageable interest rates. Yes, some of these companies may be closed over the weekend, but does it make sense to wait a day if you have a lender that charges a far lower APR?

The bottom line is that it’s possible to get a title loan on Sunday and Premier Title Loans can get you started by offering multiple quotes from companies that offer loans at all hours. Most finance companies open over the weekend will have shorter hours, so you will want to check the business hours before you commit to finding a lender near you.

How Do Car Title Loans Work

It doesn’t really matter when you apply, but you still need to know how a title loan works and what you need to get approved. With a car title loan, you’re tapping into the equity from your vehicle and that’s used as security for a loan amount of $2,500 or more. Title loans are best served for people with poor credit and you can get approved and funded within one business day or less. That’s what makes it so easy to get approved when you apply for a title loan today! In contrast to personal loans, there’s no detailed credit check and you don’t always have to put your vehicle through a lengthy in person inspection. Instead, you can apply for a title loan at any time on any day of the week and get an approval decision in minutes with Premier Title Loans!

Drawbacks Of Car Title Loans Open On Sunday

Some companies have different business hours on the weekend, and others will have limited customer service assistance. It’s possible that the best and only option in certain circumstances would be to get a lending quote, and then you finish underwriting and pick up your cash on the next business day.

You may also find that the terms and conditions of the loan are not as good as if you were to get the loan on a weekday. That’s because some lenders that underwrite loans after hours use automated systems that don’t allow specialized financing terms.

Advantages Of Applying With A Lender On Sunday

We can think of a few benefits that come with getting a loan during the weekend, but if possible, you may be better off waiting until Monday. Most consumers who apply on Sunday with Premier Title Loans need immediate cash and can’t wait until the following business day. If you need money now then yes, it makes sense to apply as soon as possible to get the money wired to you within a few hours. Sometimes though, you may need to wait until the next business day as some banks hold off processing deposits and wires until regular banking hours.

Another benefit of getting a loan over the weekend is that some lenders will have more time to work with you and answer any questions. For example, they will have more time to assist those who want to know if title loans go against your credit or if a lender will even run a standard credit check. Compare the weekends, which are far less busy to what you see on a hectic weekday when most people apply for car title loans, and you will realize the advantage of applying on a day when business is slower, like a Sunday.

Should I Apply Online Or With A Car Title Loan Lender That’s Near Me And Offering Loans Today

The method of how you apply for a car title loan, either online or in person, should not be any different on a weekend or weekday. There are benefits of working with a lender only online, but you may want to go with a company in your neighborhood with Sunday hours or one that’s open 24 hours a day. Either way, it doesn’t hurt to compare multiple loan offers as you can typically get a lower interest rate and better repayment terms.

It doesn’t matter which day of the week you apply with us. It can be a weekend or any other day of the week, and the staff at Premier Title Loans will do all we can to get you quickly funded. It doesn’t matter if you’re looking for online loans in Jacksonville or title loans in Atlanta. If a company offers loans in your location on a Sunday, a holiday, or afterhours, we likely know about it! Contact us at 800-250-6279, to start your application for a car title loan!

Unexpected financial emergencies can happen to anyone. An expensive car repair, job loss, or medical bills can quickly leave someone in a pickle with nowhere to turn. Sometimes, people may take out a personal loan, but consideration from a lender for those can take time, and there’s no guarantee that you’ll even be approved. However, you can get approved for a car title loan that day!

The best way to know how much you’ll be able to borrow is with a car title loan estimate. This is a fast, free, no-obligation assessment of the value of your car. With a same day quote, you can quickly see how much a company that funds guaranteed approval online title loans is willing to give you. The best part? There’s no credit check when the collateral from your vehicle backs up your loan! You won’t have trouble getting approved for a title loan even with poor credit. Lenders mostly want to see how much your vehicle is worth and whether you can repay their loan.

With a quote from Premier Title Loans, we can tell you what you will end up paying in interest charges and what monthly payment to expect with a title loan. Apply online with us or call 800-250-6279 to start your pre-approval, and we’ll get you a lending estimate in minutes!

We Offer Quick Title Loan Quotes

Getting an upfront quote from Premier Title Loans is simple and takes less than 10 minutes. Complete our online application or call 800-250-6279 to get your estimate over the phone. We can get you a quick quote because we only need basic information about your car’s value and monthly income to estimate your loan amount and required payments!

The estimate isn’t an application for any specific online title loan, but a starting point for you to consider that shows your payment options and loan amounts.. Use the numbers from your quote to create an exact quote that matches your needs for payment terms and monthly payment amounts.

What Do You Need To Get A Title Loan Estimate?

The title loan estimate we give you is based on the details about your car. The vehicle’s make and model will generally determine your loan amount, monthly payment, and interest rate. The car’s age also matters since older vehicles are often worth less. Mileage is also essential since cars with higher mileage tend to have more wear and tear and are, therefore, not worth as much.

Here’s what you’ll need to complete your title loan estimate application:

• The year, make, and model of your car
• Total mileage
• Trim package details
• Details about any upgrades or modifications

Any extra features on your car may increase the value of your car loan quote. For example, a leather interior, moon roof, top-of-the-line stereo system, and other upgraded features can add extra dollars to your bottom line regarding the vehicle value. We also need to know if the vehicle has a salvage title, which can lower the car’s title loan value.

Remember that this is just an estimate, not the total loan amount you’ll receive after completing your application. The title loan value of your vehicle is typically 30% to 50% of the car’s resale value, but these amounts can differ in some states. The exact amount, interest rate, and repayment terms will be decided after your application has been underwritten.

Will the Quote Match The Final Terms For My Title Loan?

Your initial quote won’t necessarily match your final loan amount, and that’s because your lending terms will invariably change based on the vehicle’s resale amount, your credit profile, and the specific underwriting standards. In addition, each state has different regulations concerning loan limits, monthly payments, and interest rates, and those details will likely change your final lending terms.

Another thing that affects your final loan amount is whether or not you’ve had to borrow more than the vehicle’s sticker price due to multiple prior car loans. Suppose you’ve borrowed money against your car loan title before, defaulted on the loan, or been consistently late with your payments. This, too, is taken into consideration when approving your loan.

Title Loan Estimates Without A Credit Check!

Unlike personal loans that require a soft credit check to determine your eligibility, we only need to know your vehicle’s value and your monthly take home pay to get you an estimate. That means there’s no need for a credit check when you’re just looking for a title loan quote, and we can estimate your payment terms without knowing your FICO score! Title loan repayment terms aren’t dependent on your past credit history, and you don’t need to stress about your credit score going any lower to get a quote.

Contact Premier Title Loans at 800-250-6279 for a title loan estimate. No one will ask you about your credit score! We can get you a personalized quote in just a few minutes, and at that point, it’s up to you to move forward!

Are There Any Fees To Get A Title Loan Estimate?

We don’t charge you anything during our initial evaluation, and there are no fees to check your credit, get you pre-approved, or underwrite your loan. A title loan estimate is part of the service we provide for all our customers, and we urge you also to use our title loan calculator to determine the costs you’ll pay on the loan. The only fees or costs you’ll pay are if you get funded for a loan. In that case you’ll pay interest on your loan(in some states the APR is 30% or more) and you may also be assed an administration fee.

Getting an estimate is a quick and free way to determine how much you can borrow with a title loan. We’ll be able to tell you within 30 minutes what to expect in terms of the monthly payment, APR, and expected loan amount and there’s no charge for this breakdown. A title loan estimate from Premier Title Loans may be the easiest way to decide if a vehicle equity loan makes sense for you!

Get Your Title Loan Quote Today!

Do you need money fast? Have you recently lost your job or run into an emergency expense? Or perhaps you need a quick quote from a company that’s open and offers title loans on a Sunday or any other day, when most lenders are closed. You don’t always need a quote to get started with our online application and we can get you a funding decision in just minutes! We offer car title loans on almost any car, truck, or motorcycle, and we offer access to same day cash if you’re approved.

Call us at 800-250-6279, visit us online to learn more about the process, or drop in for your fast, free, no-obligation car title loan estimate from Premier Title Loans!