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How do I know if I will be approved for a title loan?

Many people ask us, “What do you need to get approved for a title loan?” The answer is simple.

You need to be at least 18 years of age or older and be able to prove this by showing a government-issued ID.

You must also have a car with a lien-free car title in your name and some source of regular income, or your car has to be nearly paid off.

The latter can be anything from a pension or disability, to a regular salary or unemployment benefits.

If you meet all of the requirements and have what you need for a title loan, you can apply either in person at a location near you or online.

The benefit of applying at one of our branches is that they’ll immediately inspect your car.

After determining the value of the vehicle, the loan professional will be able to make an offer.

We don’t waste time and we will make the process as less difficult as possible. Don’t just sit there and contemplate on whether you will come or not, make that move today and you will be liberated form your financial stagnation.

In summary, if you meet up with the following requirement below, then you don’t need to ask how do you know if you will be approved because with these requirements there is nothing that can stop you from obtaining a title loan from us.

Identification Documents


You must provide the title loan company with your driver’s license and Social Security number so it can verify your identity. If you own a vehicle but are not licensed to drive, lenders will accept a valid state-issued ID card, military identification or passport.

Residency Documents

Title loans are not available in all states, so you must prove that you live in a locality that allows them. Residency documents also help verify your identity. Lenders need to see a recent utility or phone bill, along with your house deed, lease or a statement from your landlord.

Financial Documents

Although you are providing collateral for the loan, you must still prove that you can afford the monthly payments. Title loan companies require one to four weeks of pay stubs from wage earners. Self-employed borrowers must provide one to three years of tax records, business financial documents and bank statements. Unemployed borrowers who rely on public assistance or Social Security must provide statements from the department of social services or the Social Security Administration. Retired borrowers can provide pension, SSA or retirement account statements.

Vehicle Documents

To prove you are the rightful owner of the car and that there are no current liens, you must furnish the vehicle title and registration. Title loan companies also require proof of insurance so they are protected against loss if the car is damaged or stolen. If the car was under a previous lien that was recently released, you must provide the lien release paperwork from the previous lienholder.