How to Get Title Loans That Don’t Require the Car

How Can You Get Title Loans That Don’t Require the Car?

If you are searching for fast cash and you have a title to a paid-off car in your name, finding a fast and convenient title loan may be your top priority. When you are ready to apply for a title loan, you may be required to take your car or truck to a physical location, so the lender can conduct an inspection and verify the value and condition of the vehicle you plan on using as collateral for the loan. But did you know there are title loans that don’t require you to show the car in person?

Some lenders require physical car inspections during title loan applications, but there are alternative ways to verify your car’s value that does not involve physically showing it. One method that some lenders use to evaluate the condition and value of the vehicle involves combining online vehicle appraisal tools or databases and virtual examinations.

Appraisal tools can offer an estimated value of your car or truck that is based on the information you provided about your vehicle, such as its make, model, mileage, and trim level. Other title lenders prefer to use those tools and may still require the applicant to complete a physical vehicle inspection to determine the car’s resale value.

Through ChoiceCash title loans serviced by LoanMart, you can apply for the emergency money you need without the inconvenience of bringing your car to a loan store for an inspection. The application process is simple and convenient, so you don’t need to leave your home to apply and get approved for a title loan!¹

Keep reading to learn more about how you can get a title loan without showing the car in person and get the inside scoop on the benefits of online title loans.

What’s the Best Place to Get Title Loans That Don’t Require the Car Near Me?

The best place to get a title loan that doesn’t require the car to be shown in person is online! When you apply for an online title loan, you avoid the inconvenience of having to drive to a storefront location. Instead, you get to start your loan request from the comfort of your own home! You can typically expect your online loan application to be much quicker and more convenient than applying for a loan in person. Apply for ChoiceCash title loans online by completing a short questionnaire and instantly find out if you are pre-approved for funding!¹

What’s Required to Get a Title Loan Without a Vehicle Present?

Applying for a title loan without a vehicle present is possible if you choose to start your application online, but you will need to meet a few requirements to get approved for funding. Although you aren’t required to bring your car anywhere to apply for a ChoiceCash title loan online, your vehicle must have a qualifying amount of positive equity. You may use our online title loan calculator at your convenience to get an instant equity estimate and a loan quote!¹

In addition to having a vehicle with value, you will need to be at least 18 years old and provide several documents during your application. This typically includes a valid, government-issued ID, proof of income and residence, and a vehicle title in your name. In order to complete a virtual inspection, you will need to submit recent photographs of your vehicle during this step as well.

When applying for a ChoiceCash title loan serviced by LoanMart, you can email your paperwork to a loan officer or send your documents through text message. You also have the option to upload everything to the online document portal during your application.

What Happens During a Title Loan Vehicle Inspection?

You won’t be able to apply for title loans without the lender seeing the car in some capacity. Whether it is done online or in person, the required vehicle inspection will determine your car’s value and overall condition. Your total loan amount will mostly depend on the value of your vehicle and your income, making a vehicle examination – whether virtual or physical – an important part of the application process.

If the title loan inspection is done virtually, you will have to answer some questions about your car, and you’re expected to submit several photos of your vehicle.

Providing accurate information about your vehicle is an important part of receiving a fair evaluation without presenting the car in person. Typically, you’ll have to take pictures of the interior, the exterior, the VIN, and the odometer reading of the car. The current mileage listed on your car’s odometer reading is one of the key factors affecting its total market value, so try to take clear pictures of everything!

As mentioned above, your photographs and the required paperwork can be conveniently uploaded online or sent to a loan officer through the other available submission methods.

Benefits of Online Title Loans That Don’t Require Showing the Car

ChoiceCash online title loans don’t require showing the car in person, so you can enjoy a speedy and convenient application process from the comfort of your home.¹ Below is a list of additional benefits that come with online title loans that don’t require showing the car in person:

Skip the Lines

Instead of taking your car to a loan store, you can conveniently submit your loan request online with your smartphone, tablet, or computer. No more waiting in line or rearranging your schedule to apply for the financial help you need. With just a few clicks, you can fill out the application form and conveniently submit your documents and vehicle photos online, saving you time, gas, and effort!

Fast Funding

If you qualify for a ChoiceCash title loan, you can get your money in as little as one business day! In some instances, qualified borrowers can receive their funds on the same day they are fully approved – how’s that for speed?

Bad Credit Isn’t an Issue

A bad credit score can make life a little bit more difficult in many ways. However, with title loans, you won’t need a perfect score to get approved for the funds you need to deal with any unexpected expenses.

What is the Process of Getting a Car Title Loan Without Your Car?

Need quick cash but don’t want to give up your car? You can unlock cash with your car’s title and keep driving your car during the repayment process! Here is a step-by-step guide on how you can apply for a ChoiceCash title loan without showing the vehicle in person:¹

Step 1: Meet the Requirements and Fill Out a Loan Application

To get approved for a car title loan, you must have a title to a qualifying car or truck in your name, show your ability to make a payment on the loan, and be of legal age to submit a loan application. Fill out an online questionnaire for a ChoiceCash title loan now or call 855-422-7402 today to apply for a title loan without showing the car in person!

Step 2: Upload Your Documents and Complete a Virtual Inspection

If you’re pre-approved, you will be asked to upload several documents and some vehicle pictures during the second step of your application.

Step 3: Approval and Funding Process

The last step of your application for a title loan that doesn’t require the car to be present is to choose how to receive your loan proceeds and sign your agreement! If you are fully approved for a title loan, you can get your funds via direct deposit or have your funds added to a debit card to receive your money in as little as 24 hours. You can also get your money through a check in the mail or pick up your cash at the closest participating money transfer location.¹

No Inspection Title Loans FAQ

What are Online Title Loans Without the Car Being Present?

Online title loans are vehicle-secured loans, and you can access up to half or more of your car’s value by pledging its title as collateral for the loan! Although you can’t skip a car inspection when applying for a title loan, you can access a virtual inspection when applying for a ChoiceCash title loan online or over the phone. Call 855-422-7402 today to find out if title loans are allowed in your state!¹

What are Valid Reasons Not to Show the Car When Applying for a Title Loan?

Everyone is different, and there are valid reasons why you may want to show your car for a title loan. You may have privacy concerns about bringing your car to a store you have never visited before, or you may have time constraints and want a virtual option to apply for emergency funding. One of the many benefits of applying for online title loans without the car being present is that you don’t have to leave your couch to fill out an online application!

If I Qualify for a Title Loan, Do I Need to Physically Hand Over My Car?

No, you can still drive your car and have access to it during the entire repayment process as long as you keep up with your title loan payments.

How Do I Choose a Reputable Title Lender for a Loan Without Giving Up My Car?

With so many options, it can be tough to choose a title lender when you need emergency cash. You can use websites such as Trustpilot to evaluate the experiences that customers have with a specific company. Reading these reviews allows you to make an informed decision before choosing a lender specializing in title loans with no physical vehicle inspections.