Documents and Requirements for a Car Title Loan

Requirements for a Car Title Loan - concept image.

If you are struggling to make ends meet, you’re not alone. Many people are facing financial difficulties all over the country right now. Fortunately, options are available to you, even if you do not qualify for traditional loans or lines of credit. One of the most popular options is a car title loan, a fast and easy way for people to access cash. 

Title loans are secured loans taken out against the value of your car or truck. Depending on your lender and vehicle, you could receive up to 50% of its value in less than a day. Yet, before you jump for a title loan, it’s important to understand the requirements. After all, you want to ensure your application is processed smoothly, so you get your cash quickly.

What are the requirements for a car title loan?

Many people turn to car title loans because they are more accessible than other loans. However, you’ll still need to meet specific requirements to qualify. It’s essential to remember that the requirements vary depending on where you live and who your lender is. Before determining your eligibility, it’s best to consult with an agent from your preferred lender.


The most common requirements for a car title loan include: 

  • Car or Truck Title: Having a car or truck title in your name is essential. Additionally, you must ensure that the vehicle has no liens and isn’t already collateral for another loan. Most lenders have this as their top requirement, but they may be more flexible with their other criteria.
  • Insurance: Since the lender bases your loan on the value of your vehicle, they may wish to secure that value. They may require that you have insurance coverage on your car or truck.
  • Age: You must be the age of majority to take out any loan. Most states agree that you need to be 18 years or older.
  • Residence: You may need to be a resident of the immediate state. 
  • Income: You will possibly need to provide proof of income or proof of employment. Lenders want to make sure you can pay back the loan.
  • Credit: It can be harder to qualify for traditional loans if you have poor credit or recent history of bankruptcy. However, most car or truck title loan lenders do not run credit checks as they are secured loans.

What documents should I provide for a car title loan?

If you want to receive your car or truck title loan quickly, have all the required documents ready for your application. Your lender can review all your paperwork within minutes to a few days.

Depending on their requirements, your lender may ask for:

  • Original vehicle title showing you are the sole owner and you have no current liens on the car or truck. 
  • Vehicle registration
  • Government-issued identification or driver’s license
  • Proof of income (letter of employment, pay stubs, official tax documents, bank statements)
  • Proof of residency 
  • Proof of car insurance
  • Car key copy

Secure Your Loan Today with Quick Title Loans

When you apply for a car title loan or truck title loan, you can look forward to a significant amount of cash in as little as thirty minutes. Now that you understand the requirements and necessary paperwork, it’s time to find out if you qualify! 


At Quick Title Loans, we make applying for a title loan effortless. We can even help you with bad credit, zero credit, bankruptcies, repossessions, and tax liens. You deserve financial relief too!

Ready to obtain your title loan? Apply on our website or give us a phone call today at (844) 422-7676. We’re here for you!