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The Ultimate Vehicle Title Checklist For Getting A Fast Title Loan

A vehicle title loan checklist is useful when you need emergency cash but don’t know what you need to qualify. Here’s how you can apply for a fast title loan and know exactly what you’ll need to get approved.

With one of Auto Cash USA’s vendors, you will need to have a car, a clear car title, and a driver’s license or another form of state-issued ID to apply. You can get started with the inquiry form online, and the in-person process can be as brief as 30 minutes!

Emergency cash can help you out of a pinch and be more cost-effective than footing the bill for something you just can’t afford. In this article, we’ll review the valuable alternative that is a title loan and go through the in-depth vehicle title loan checklist you should know.

The Comprehensive Vehicle Title Loan Checklist

Title loan lenders around the state rely on one simple principle to make their loans work: collateral. Every time a lender gives money to a borrower, they take on risk.

man holding drawing of car title loan process

When a borrower is willing to put up collateral—say, their car title—the lender’s risk factor drops significantly. Because of this universal model, the vehicle title loan checklist is pretty simple, but also entirely non-negotiable. Here’s exactly what you’ll need:

  • Your driver’s license or another state-issued ID
  • Your lien-free vehicle title
  • Your car for a quick inspection


The first thing you’ll need when applying for any loan is identification. If you’re getting a car title loan, odds are that you have a driver’s license to operate the car you’re using as collateral. If, for some reason, you don’t have a standard driver’s license, then you can still apply using another form of ID.

  • Your non-driver’s license
  • Your passport
  • Your military or student ID card

Identification is a simple, yet important requirement so that your lender can verify who you are before letting you borrow money.

Lien-Free Title

If you’re new to the borrowing world, then the term ‘lien-free’ is probably unfamiliar to you. Liens are claims of ownership placed against an asset, rendering them the legal property of the lienholder until the borrower pays what they owe.

Your dealership, for example, might place a lien against a car they are selling to ensure that the person taking on debt to buy the car pays the full amount. Should they choose not to, ownership reverts back to the lienholder, the dealership in this example.

Title loan lenders must place a lien against your car to secure their interest in lending money and your interest in repaying it.

It’s a security measure and an important one at that. As such, if your car already has a lien on it, then another party already has the legal claim to it, making the title worthless to use as collateral for another loan. You can clear liens electronically or through the DMV by settling them with your lienholder.

starting a title loan request online

Your Car Itself

Your car’s condition, make, model, and age all play a role in the amount of money you can get with a title loan. Naturally, you’d be more inclined to protect your asset if that asset is more valuable. Auto Cash USA's vendors use a nationally ranked pricing scale to determine the value of your car and thus what you’re approved for in a title loan.

You’ll need to bring along your car when you meet with an associate so that they can verify the VIN and determine its value.

Getting Started

Now that you’re in the loop, here’s how you can get connected with a trusted vendor through Auto Cash USA.

  1. Complete an online form. Once done, we’ll get you connected with a friendly and knowledgeable loan specialist.
  2. The representative will set up an appointment at a location you choose to deliver the packet and verify your VIN. You’ll also sign some forms. Make sure to bring along your ID, clear car title, and your vehicle.
  3. Once everything checks out, the loan documents will be sent for your e-signature, and the money will go directly into your bank account the same day or the next business day.

Complete Your Loan Request Today!

Got the vehicle title loan checklist on download? Good! Now that you’ve got exactly what you need, it’s time to let Auto Cash USA connect you with a vendor you can trust to help you with your financial emergency. Our vendors offer up to $15,000 in a lightning-fast title loan process that can take as little as 30 minutes to finish.

Emergency situations might include medical bills, rent, urgent repairs, or other cash flow issues. When they arise, consider turning to Auto Cash USA by filling out the online form.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

June Mckaig

June Mckaig writes articles on finance and budgeting, hoping to provide insight amidst the overwhelming crowds of information on the internet. She feels that with all this accessibility comes a lot of false data, and she would like to contribute astute, helpful input that she knows can help others. If you would like to learn more about June's research, read more here.