Do I Qualify?

Basic Car Title Loan Requirements

  • You Must Own a Lien-Free Vehicle – Your car must be fully paid off, and there should be no existing loans or liens against the title. The vehicle title must be in your name.
  • The vehicle should not be more than ten (10) years old – Most lenders prefer cars that are 10 years old or newer to ensure a fair market value. However, some lenders may accept older vehicles if they are in excellent condition.
  • Valid Government-Issued ID – A driver’s license, passport, or provincial ID is required for identity verification.
  • Proof of Residence – You must provide a recent utility bill, lease agreement, or bank statement to confirm your current address.
  • Vehicle Registration & Insurance – Your car must be registered and insured under your name. Some lenders may require full coverage insurance, while others accept basic coverage.
  • Spare Set of Car Keys (If Required) – Some lenders may request a second set of keys as a precaution, but you still keep your car and can continue driving it.

Who Can Apply for a Car Title Loan?

  • Full-Time Employees – Need extra cash before payday? A low-interest car title loan can help you cover unexpected expenses.
  • Self-Employed & Business Owners – If you run a small business and need quick cash flow, a car title loan can provide the funds you need without financial restrictions.
  • Students & Recent Graduates – Need money for tuition, books, or rent? A car title loan can help you manage education expenses.
  • Unemployed or Between Jobs – Since car title loans do not require proof of employment, you can still qualify even if you are temporarily out of work.
  • Bad Credit or No Credit Borrowers – Unlike traditional bank loans, credit score is not a factor in loan approval. You can get approved even with bad credit or no credit history.
  • Individuals Facing Financial Emergencies – Whether it’s medical bills, home repairs, or unexpected expenses, car title loans provide quick cash when you need it most.
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