We offer online title loans, and sometimes, no store visit is required!


Are you interested in getting an online car title loan but don't have the time to take your vehicle in for an inspection? In some circumstances, you can get approved entirely online without physically showing a lender the vehicle. Find out what you need to get a title loan without the vehicle present!

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    Online Title Loans With No Store Visit Or Inspection Requirement

    Most applicants who apply for a title loan assume they must deal with a lengthy vehicle inspection or required store visit to sign the lending documents and meet with a lender in person. The good news is that we don’t always require a store visit if you can meet other requirements that prove your vehicle exists and that you’ll be able to repay the loan with no issues.

    Premier Title Loans offers access to car title loans that are completely online, with loan amounts starting at $2,500. You should be able to borrow 30%- 60% of the vehicle’s value solely based on the fact that you own the car or truck and can pay off the loan. Let’s examine the scenarios where you get a title loan without inspection and how this type works.


    How Does A No Inspection Online Title Loan Work

    No inspection title loans work just like other car title loans. You use your car’s equity as collateral for a loan, and that collateral secures the loan amount. Hand over the car’s title as security for this secured loan and get the pink slip back after you’ve repaid the entire balance.

    One difference with this type of loan is that you don’t need to deal with an inspection process and sometimes even a credit check that can cause delays in funding your loan. Apply online with Premier Title Loans, and you can skip the hassle of getting your vehicle inspected and move to pick up your cash in one business day or less! In some cases the funds can be sent by direct deposit straight to your checking account just hours after you’re approved!  Yes, the loan amount will be lower as the lender is not inspecting the car in person, but that’s often not an issue if you’re looking to borrow less than $3,000.


    What’s Required For Online Title Loans With No Store Visit

    You should be able to get a title loan without a store visit if you can provide a lien free car title and prove your ability to pay back your loan on a monthly basis. You’ll also need proof the vehicle is insured, and since there’s no inspection, you’ll need to send in photos of both the vehicle and the title itself.

    Getting a title loan without proof of income or a store visit is ideal for someone who doesn’t want to deal with the hassle of an in-person inspection. But often, it will be an issue if you don’t want to bring the vehicle to the store to get inspected.


    Apply for online title loans with no inspection or credit checks


    Why Do Lenders Offer No Inspection Online Title Loans

    These no inspection title loans are great for self-employed people and those who don’t have the time to drive around and wait for a time-consuming inspection. The reason is that you can still get approved with low income and proof of employment if you can prove the vehicle exists and has sufficient value. Another plus for lenders is that these secured loans have high interest rates and APRs that can increase if you fall behind on payments. Yes, there’s a real risk to them if you stop making monthly payments, but they’re making a significant amount of money each month when you make your payment.


    Loan Amounts For Title Loans That Don’t Require The Car

    If you and the lender agree on the vehicle’s value derived from video or photo evidence of the vehicle, you can expect nearly as much cash as a typical car title loan. In some states, these loan amounts can reach $15,000; on the low end, you can get an online title loan of around $5000 without visiting a retail store. However, it’s worth repeating the interest rates for online title loans that don’t require the car, as it will be high. In some cases, the APR can reach 30% or more every month, and that’s because a lender is taking on even more risk by not viewing the vehicle in person.


    A Vehicle Inspection May Be Inevitable For An Online Title Loan With No Store Visit

    Even though a handful of online title loan companies don’t require a vehicle inspection or a credit check, there will still be times when a lender requires a store visit to ensure the vehicle is “as described.” This happens when a title lender wants to be sure the vehicle exists and knows who’s getting the money. Sometimes, an underwriter will allow you to submit pictures of the car as proof that it exists and is worth what you say it’s worth. However, they can only go on so much when looking at pictures or going by DMV records, and that doesn’t even consider official inspections for emissions or safety purposes. The bottom line is that some companies don’t feel comfortable without visually seeing the vehicle in person.

    Another beneficial factor of an inspection is that your underwriter can assess any after-market additions to your car that could potentially increase the value of an initial loan or even a title loan refinance. They will also want to look at the maintenance records and look under the hood to see the car’s current condition and how it’s been driven. A lender will always want to verify the vehicle’s value, and the best chance for them to do this is in person.  No inspection title loans are possible in some situations, but you should expect less money for your title loan if everything is done completely online or over the phone.


    Apply With Premier Title Loans Without Bringing In The Car

    We know your time is valuable and there’s no better way to save time getting a title loan without bringing in the car! Gather your vehicle info, DMV documents and photos of the vehicle and apply online with Premier Title Loans or call us at 800-250-6279 today!


    An auto inspector checking out a vehicle condition.