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Can I Get a Title Loan if The Title Is Signed Over To Me?

By Jenny Williee | February 17 2020

Car Title Ownership

Urgent Need for Cash

Can I get a title loan if the title is signed over to meThere is always a way out of such circumstances as an urgent need, Car Title Loans California has a remedy to your problem. Getting a title loan when the title is not signed to your name could prove challenging but not insurmountable. The car title is the document that shows anyone who the actual owner of a vehicle is. Every lender expects the title of your vehicle to be in your name when applying for a title loan. When the title is not in your name, it can pose some troubles and may stand in your way of qualifying for a loan.

The car title is also called the vehicle title or the pink slip. If you are the owner of a car, then the car title should be in your name. Vehicle titles stand for all forms of automobiles, ranging from motorcycles, cars, trucks, recreational vans, motor-homes, and even boats. Though, some traditional financial lending institutions such as banks and credit unions may not qualify you for a title loan with them when you apply if the title is signed over to you, some lenders like Car Title Loans California surely have a plan that will work well with you. Learn the basics at

Car Title Not in Your Name

There are some cases or instances that could cause your name not to be on the title. These instances that can cause your name not to be on the title include:

  • If the vehicle was given to you by someone
  • If the car has been inherited
  • When you are buying a car
  • When paying off a loan
  • When your name appears on the title alongside another name

Your name may appear on the vehicle title alongside the name of another person. When this happens, it is important how your name appears on the title, that is to say, we pay a lot of attention to the word in between your names.

There is a huge difference when you have “and”, “and/or” or just “or” standing in between the names. For instance, when it appears as Brad Shaw and Victoria Shaw, it means that the title must be in both party’s names. This is not the same when it appears as Brad Shaw or Victoria Shaw since, in this scenario, either party can use the title for a title loan. Either party can as well use the title for a title loan when it appears as Brad Shaw and/or Victoria Shaw.

Family Transfers

Most times family members and friends become liberal and may hand you an automobile as a gift or a wedding present. It should not be seen as a curse. It is more of a gift. When you find yourself in such a situation where you need urgent cash, and your vehicle was given as a gift or sold to you by a family member, then the family member will only need to sign certain portions of the title, and then you can smile away with instant cash.

When you have misplaced or lost your title, and you urgently need instant cash through a title loan, with the aid of a 227 form, you can apply for a duplicate title. All you need to do is to fill out section 3 and section 5 only, sign the document, and have it notarized. It can be accepted as a title in California since the lender can fill out the “lien holder” section in the 227 forms and then pass it through the Department of Motor Vehicles.

It is easy to get a title loan if the title loan is signed over to you

Car Title Loans California wants to ensure that every individual can qualify for a title loan at any point in time. We have watched from the sidelines and we know how devastating it can be when you need instant cash but cannot get a hold of it. We want to be there for you at those times when you need quick money direly.

Having to submit a name change for your driver’s license will be required of you, and then DMV will automatically update all of your records. The good thing about this is that DMV does not only change your name but since your file is also updated in the process, you can avoid any confusion that might arise in the future as a result of the process.

How Can I get a title loan if the title is signed over to me?

We will approach the Department of Motor Vehicles (DMV) on your behalf. This is necessary so that you can immediately use your title loan to apply for instant cash. We can get the entire process started in the following ways.

The first step we will take is to immediately communicate the Social Security Administration (SSA) before getting in touch with the DMV. You will immediately be required to visit DMV to update your name in person. It is necessary to complete this process through this means and not through the online or postal mail means.

When you try to update your name, you must go with a document that confirms your previous name. An acceptable ID should suffice. There are other valid forms of proof you can use as well. You can check on DMV’s website for other acceptable forms of authentication. Present your existing car registration or car title You must not forget to go along with the necessary amount required to cover any duplicate title or registration fees. Some states may ask you that you come along with your marriage certificate, divorced documents or court papers issued in the U. S that proves that your name has been changed.

Car Title Loan Requirements when the title is signed over

These loan requirements are necessary to make the entire process straightforward and fast. Our requirements include:

  • A car title in your name
  • Proof of monthly payments which may come as bank payment slips, pay stubs, or tax returns.
  • Evidence of residential address such as utility bills, house rent receipts or any other legal document that authenticates your address.
  • Valid driver’s license or state-issued photo ID
  • Insurance document covering the vehicle
  • A list of five references.


You can get a same-day approval regardless of your credit score. Car Title Loans California understands that when you mention urgent, it means now. And so, every time you run to us for help, we want to make sure that you get the emergency financial response you desire.

Car Title Loans Completely OnlineThere is no prepayment penalty. Sometimes, you are not able to meet up your bills for some reason that a particular sum of money did not get to you and you had a deadline to catch up with. You can apply and qualify for a title loan, pay the bill and then immediately the money comes in, you clear everything at once. While other lenders may penalize you for this act, we will not. We even encourage you to settle your debts when you can on time.

Our loan terms are negotiable. This means that we do not have a definite loan term for a particular set of persons, but we offer you the opportunity for us to discuss and arrive at a term that is convenient for the both of us. You can get as long as 36 months to see off your loan term. We only want to ensure that you are not being stressed out as you try to look at the loan term.

Our competitive interest rates are second to none. Little wonder our vast customer base will continue to sing our praise endlessly since they were not disappointed when they called for help.

How much can I get?

Once you have carefully filled out our application form, our title loan representative will review your application and will inform you of how much you can qualify for. Generally, the equity on your vehicle is the measure of how much you can be eligible for. When the equity on your vehicle is too small, then your ability to repay the loan becomes a determining factor. Car Title Loans California is happy to serve you and only hopes that they can and will continue to deal with any emergency that comes up. Be sure that you can get a title loan if the title is signed over to you when you approach us.

Applying For a Car Title Loan

apply get a title loanApplying for a title loan if the title loan is signed over to you is a quite easy and straightforward process especially when you are applying at Car Title Loans California.

You can call our toll-free line 1-844-242-7467, and our car title loan representative will be waiting at the other end to direct you accordingly. From the comforts of your home, you can also apply online by filling out our online title loan application form. You will immediately be informed if you can qualify for a loan with us. We have stores all over California so you can walk into any of our stores to get a same-day title loan in California. Learn more at

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