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Does The Title Have to be in My Name to Get a Title Loan?

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Many people come to us every day with this question and it’s making some people to back off from obtaining a loan.

If you are among those that have been in this situation, then this article is for you. At Car Title Loans California, your car title does not  need to be in your name to qualify for a loan. Some company will not give you the loan you are looking for if the car title is not in your name. If your car title is not in your name, don’t worry! We can still help you because we are different from others

Instances where your name may not be on the car title include:

  • When buying a vehicle
  • When inheriting a vehicle
  • When paying off a loan
  • When receiving a gifted vehicle
  • If your name appears but so does someone else’s name.
  • You might have an “and”, “and/or” and possibly just “or”. Example: Gabriel Smith and Juliet Smith verses Julie Smith or Joe Smith.
  • When the title says “and/or” or just “or” between the names, this means that either party can use the title for a title loan. If the work “and” is between the names, then the title loan must be in both party’s names.

If your name DOES NOT appear on your car title, Car Title Loan California can help you to change your name on the car title through the Department of Motor Vehicles ( DMV).

Car Title Loans California can assist you to go through the process with ease. When you complete the process of changing your name with the DMV you will be able to use your car title to apply for a title loan. This is how to get the process started:

  • Notify the Social Security Administration (SSA) before contacting the DMV.
  • Visit your DMV to update the name in person. Unlike submitting address changes, this should not be completed online or through postal mail.
  • Go to the department with authentic identification confirming your previous name. You will be required to have an acceptable ID. You can check with your DMV’s website for a list of valid forms of proof.
  • Present your existing car title or car registration.
  • Bring the required payment amount to cover any duplicate title or registration fees.
  • If applicable, bring your marriage certificate, divorce documents or court papers issued in the U.S proving you name change.

These are 3 reasons why changing your name on the title is easy:

  1. Car Title Loans California is committed to provide car title loans to customers from all walks of life. If your car title is not in your name, we can help you to get it in your name before your loan is processed.
  2. Keep in mind that DMV requires a change of name notice. You will be only be required to submit a name change for your driver’s license. Then, the DMV will automatically update all of your records.
  3. The DMV does not only change your name but it also modifies the DMV’s record which will assist you in avoiding any legal confusion. The process of changing your name with the DMV using Car Title Loan is painless and fast.
Car Title Loans California is a platform that does not endorse specific lenders and does not charge visitors any fees for its services. The website owners do not assess or approve credit, and information collected from applicants is transmitted to lenders or partners within the site's lending/partner network. Visitors are under no obligation to use the website or initiate contact with site operators. Additionally, there is no requirement to secure a loan or financial product/service from any of the site's lending partners. It is essential to understand that the transmission of financial and personal information on the website does not obligate lenders or partners to offer a loan or any credit product or financial service. Cash transfer times may vary, and it may be necessary to fax information under certain circumstances. Questions about loans and concerns should be directed to the lender or loan servicer. The loans facilitated by Car Title Loans California are intended as short-term financial solutions to address immediate monetary needs and are not intended to be part of a long-term financial plan. These services may not be available in all states. Potential borrowers may undergo a credit check, and lenders may use major credit reporting bureaus, such as Equifax, Trans Union, and Experian, as well as other alternative sources to check credit ratings. The locations mentioned on the website are Car Title Loans California partner locations, and loan amounts vary based on qualifications. Since Car Title Loans California does not lend money directly, it cannot offer solicitations for loans or financial products/services. The service connects users with lenders or partners based on the provided information. States serviced by the website may change without notice, and personal unsecured loans may not be available in all states and areas. Loans offered through the website typically do not have pre-payment penalties, but Car Title Loans California cannot guarantee that every lender meets this standard. All lenders and partners are responsible for their own interest rates and payment terms, and Car Title Loans California has no control over these rates or payments. The number of people applying for loans may not be the same as the number of people eligible to receive them, and Car Title Loans California cannot guarantee approval for a loan or financial service. The website advises users to use their discretion when working directly with lenders or partners. For car title loans, some lenders may require the use of a GPS locator device on the vehicle. Whether the lender pays for or charges the borrower for this is at the discretion of the lender. In some circumstances, faxing may be required, and the use of a cell phone to receive updates is optional. Users are encouraged to review the privacy policy. Loans offered through the website can be expensive, and users may have other, potentially less expensive, ways to secure funding. These loans are designed for short-term financing to address immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a loan, and loan rejections are not disclosed to Car Title Loans California. Users may want to contact the lender directly. Loan amounts differ at locations, and account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry and, if applicable, a motor vehicle appraisal. Lenders are typically licensed by the state in which the borrower resides, and users are advised to consult directly with regulatory agencies to ensure their lender is licensed and in compliance. Regulatory agencies are in place to protect borrowers, and it's recommended to verify the full licensing of any lender providing funds.