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What to Bring to the Nearest Title Loan Location

Nearest Title Loan

Medical emergencies, home repairs, car accidents, and other major life events can lead to substantial expenses. Even if you carefully follow a monthly budget, you may not be able to come up with the cash you need to cover these unexpected expenses. If you’re in this situation, you may want to consider taking out a title loan to get the fast cash you need.

Title loans are secured loans that allow borrowers to obtain cash by using the title to their vehicle as collateral. If you are approved for a title loan, you won’t need to give up your vehicle to get the cash you need. In fact, you can still drive your vehicle as you normally would while you make payments.

Because title loans are usually processed faster than traditional loans, many people rely on them when they need cash in a hurry. If this is your first time submitting an application, you may wonder what you need to bring with you to the nearest title loan location. Here’s what you will need to apply for a title loan:

The Title to Your Vehicle

Because it is used as collateral, the title to your vehicle is one of the most important documents in the title loan application process. You will need to submit the title to your vehicle when applying for a title loan. The title must have your name on it. Your name does not need to be the only name on the title, though.

It’s important to note that title loan companies will not accept salvage titles as collateral. A salvage title indicates that the vehicle has suffered extensive damage and been declared a “total loss” by an insurance company in the past. It’s difficult to estimate the value of vehicles with salvage titles, which is why title loan companies will not accept these vehicles as collateral.

Don’t give up on your title loan application if you can’t find the title to your vehicle. Instead, let the title loan company know that you’ve misplaced your title. Your loan officer can guide you through the process of obtaining another copy so you can complete your application.

Nearest Title Loan

Proof of Income

You will likely also be required to submit proof of income to the title loan company during the application process. This gives the title loan company an opportunity to confirm that you have a reliable source of income you can use to make payments. It also allows the title loan company to evaluate your income and determine how much you can afford to repay.

Acceptable forms of proof of income can vary depending on the title loan company. Some examples of proof of income documentation may include recent pay stubs from your employer, tax returns, or bank statements showing regular deposits. Make sure you talk to your title loan company to find out what documents they accept as proof of income.

Proof of Residence

Your title loan company will likely also ask you to submit proof of residence when you apply for a title loan. Just like proof of income, proof of residence can come in many different forms. Some examples may include:

  •     Your driver’s license
  •     Recent utility bills
  •     Recent mortgage statement
  •     Recent lease agreement

The documentation you submit must show your name and address. For example, if your roommate’s name is the only one listed on your electric bill, you cannot use this as proof of residence since your name is not on it.

Proof of Auto Insurance

If you apply for a title loan, the title loan company will ask you to submit proof of auto insurance during the application process. You must submit documentation that shows that the vehicle you are using as collateral to support your loan is covered by your insurance policy. Talk to your title loan company to find out what documents they will accept as proof of auto insurance.

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Your Vehicle

Because your vehicle is used as collateral, the title loan company will need to know how much it is worth when determining if you are eligible and if so, how much you can borrow. Your title loan company will consider a number of factors when calculating your vehicle’s value, including the make, model, year, mileage, condition, and trim level.

The valuation process varies depending on the title loan company. Some title loan companies will ask you to bring your vehicle in for an inspection. Others may send someone to inspect your vehicle at your home, workplace, or another convenient location. There are also title loan companies that allow applicants to submit photos of their vehicle in lieu of an inspection.

Make sure you understand what options are available when choosing a title loan company. This way, you will know exactly what to expect when it’s time for the title loan company to calculate your vehicle’s value.


If you are not eligible for a title loan on your own, you may want to add a co-signer to your title loan application. A co-signer is an individual who pledges to repay your loan in the event you fail to do so. Adding a co-signer to your application may increase your chances of getting approved for a title loan. If the co-signer has good credit, adding their name could also help you secure a lower interest rate, which will save you money over the course of the loan.

Your co-signer will be required to provide the same documentation you are required to provide to the title loan company. However, this information is kept confidential, which means you won’t be able to access your co-signer’s information and they won’t be able to access yours.

Nearest Title Loan

How to Apply for a Title Loan Online

You won’t need to travel very far to find the nearest title loan location. In fact, you won’t need to leave your house at all. You can submit a title loan application online or over the phone from the comfort of your home. Follow these steps to apply for a title loan from I Need Cash Now:

  1. Contact us. You can call 1-855-713-6522 to speak to a loan officer directly or submit your information using the form on our website. If you choose the latter option, a loan officer will contact you as soon as possible to discuss the next steps.
  2. Get a free quote. You can get a free title loan quote just by providing your loan officer with some basic information about your vehicle, including its make, model, year, mileage, and condition. Go over the details of this quote with your loan officer to ensure you understand how much you have been approved to borrow and at what interest rate.
  3. Finalize your loan. If you are satisfied with the terms in your free quote, finalize your loan by signing and submitting the required documentation. Your loan officer will work closely with you during this step to ensure you know what you need to sign and submit.
  4. Collect your cash. Your money will be available shortly after your loan has been approved. You can either pick it up in person at one of our convenient locations or have it sent to you via check or wire transfer.

If you need fast cash, don’t hesitate to contact us to start the title loan application process today.