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What to Bring When Visiting Title Loan Companies Near Me

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If you need fast cash, you might want to consider searching for “title loan companies near me.” A title loan is not a traditional personal loan. Title loans are typically easier to qualify for and processed more quickly than traditional personal loans, which is why they’re ideal for borrowers who need cash as soon as possible.

To obtain a title loan, you must use the title to your vehicle as collateral. You won’t lose your car, but you will need to let the lender either hold onto your title or put a lien on it while you make payments. Once your debt has been satisfied, the lender will return your title or remove the lien from it. In the meantime, you can continue to use your car as you normally would.

If you’ve never taken out a title loan before, you might not know what you will need to apply. The exact requirements can vary slightly depending on the lender, but in general, be prepared to provide:

The Title to Your Vehicle

The title to your vehicle is one of the most important documents you will need to submit when applying for a title loan. Your title is used as collateral to secure your loan, so you cannot obtain a title loan without submitting it.

However, if you cannot find your title, it’s important to let your lender know as soon as possible. Your lender can guide you through the process of getting another copy of your title from your state’s Department of Motor Vehicles (DMV).

You must be the legal owner of the vehicle you are using as collateral, which means the title must have your name on it. Your name does not need to be the only name listed on the title, though.

Proof of Identity

You will need to submit proof of your identity when you apply for a title loan. The easiest way to do this is to submit your driver’s license, which will show your name, picture, address, and other key identifying information. If you do not have a driver’s license, your lender may accept other forms of proof of identity, such as another type of government-issued ID.

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Proof of Income

If you’re planning on applying for a title loan, be prepared to submit proof of income to the title loan company. Title loan companies will typically accept recent pay stubs, bank statements, or tax returns as proof of income.

You must submit these documents to prove that you have a reliable source of income that you can use to repay the money you borrow. Your reliable source of income does not need to come from a job. If you are unemployed, you can show proof of other sources of income such as:

  • Disability benefits
  • Retirement benefits
  • Veterans’ benefits
  • Alimony
  • Rental property income

This means if you have another reliable source of income, you may still qualify for a title loan even if you are unemployed.

Proof of Insurance

Because your vehicle is used as collateral to secure your title loan, your lender will want to make sure it is covered by insurance before lending you money. To confirm this, the title loan company will ask you to submit proof of insurance during the application process.

You may need to provide your auto insurance card or the actual policy to fulfill this requirement. Talk to your lender to find out what auto insurance documents you will need to submit.

Proof of Residence

The title loan company will ask you to submit documents that serve as proof of your residence. Submitting your driver’s license should fulfill this requirement in addition to the proof of identity requirement.

If you don’t have a driver’s license, your lender should allow you to submit other forms of proof of residence. Some examples may include recent utility bills, mortgage statements, or a lease agreement. The documents you submit must show both your name and correct address to fulfill this requirement.

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Qualifying for a title loan is easier than qualifying for a traditional personal loan. However, if you don’t qualify for a title loan, you may want to add a co-signer to your application.

A co-signer is someone who agrees to repay your loan in the event you fail to do so. This person will not receive any of the money you are approved to borrow. If your co-signer has good credit, this can improve your chances of getting approved for a title loan. It may even help you secure more favorable terms, such as a lower interest rate.

The person who agrees to co-sign your application must provide proof of identity, residence, and income. They must also be willing to consent to a credit check.

That’s all you need to apply for a title loan. If you’re ready to get fast cash, call I Need Cash Now at 1-855-713-6522 to start the title loan application process.