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woman pawned her car and still drives it

How You Can Pawn Your Car And Still Drive It

Did you know that you can pawn your car for cash and still drive even if your credit is bad? If you have a car, you can use it to take out an emergency loan to cover hospital bills, home repairs, important travel, or other urgent expenses that are much higher than you expected.

Auto Cash USA's lenders have some of the fastest, simplest processes for taking out a loan. Here, we’ll walk you through the process and answer some of the most common questions people ask about how to pawn your car and still drive it.

Here’s How You Can Pawn Your Car And Still Drive It

1. Understand The Difference Between Title Pawns And Other Loan Types

Many loans will require you to meet a minimum credit score, have a minimum income level, or present documents like bank statements. Some banks will even look at your employment history and refuse a loan because of “red flags” like changing jobs often or having gaps in employment.

These strict credit requirements make it very difficult for most people to get a loan, and the process of application and approval may take a very long time. Sometimes, you can spend days working on gathering documents only to be refused, or be told to get someone to co-sign a loan—which also takes a very long time.

In contrast, you can apply for a title loan or title pawn even if you have a low or bad credit history, or if you have non-traditional income sources like part-time jobs, freelance work, a home business, alimony or pension.

2. Get Together The Things That Are Required

A title pawn is a short-term loan where you use your vehicle title as collateral. One of the main requirements for a title pawn is that you should be at least 18 years old and hold a valid driver’s license or prove your age using a government-issued I.D. Another crucial requirement is that the title must be under your name and fully paid for. It should also be lien-free, which means that it is not being used as collateral for other existing loans, and there are no other outstanding judgments against it.

3. Prepare Your Vehicle

The loan amount depends on the model and condition of the vehicle. Dents, scratches, dirty or stained interiors, or any problems with the working parts can all affect the value. That’s why it is important to prepare your vehicle before applying for a title pawn. Clean the interior as well as the exterior of your car to make sure it looks presentable. The age and mileage of the car, which indicates possible wear and tear, are also considered, and even though you can’t fix them, it’s useful to know that they’re the factors that make difference.

We assure you that our licensed vendors will always give a fair amount, based on industry standards and guidelines.

man preparing his car for a title loan

4. Understand How The Process Works

Auto Cash USA makes it easy for you to connect with trustworthy vendors who have a solid reputation through our online process. Here’s what you need to do to pawn your car and still drive it.

5. Fill Out The Online Form

Don’t you just hate it when you have to line up and then be asked to fill out dozens of forms? All we ask you to do is to put in your details in a simple form, in the convenience and comfort of your own home. We only use your information to connect you to those who will be taking care of you further. It is completely confidential and secure to share your information.

6. Wait For The Call From One Of Our Lenders

When we choose a lender for you, one of their representatives from the closest branch will contact you by phone. During the call, they will explain the process and requirements, and answer any questions you have about how to pawn your car and still drive it. They will also set an appointment for the next stage of the process, which is the vehicle inspection and submission of documents.

7. Complete The Requirements

As we mentioned earlier, a title pawn has a lot fewer documents and requirements than other loans. Basically, you just need a state-issued ID with a photo, the lien-free title that is registered under your name, and the vehicle for inspection.

  • Accepted IDs. The easiest document to present is your driver’s license. However, you can also present other government-issued IDs, such as a United States passport or passport card, a student ID card, military ID or military dependent card, or a non-driver’s card.

  • Vehicle title. Don’t forget to bring this with you! Make sure the name on the title matches the name on the ID. If the car is yours but is registered under someone else’s name, you need to have it transferred to yours.

  • Vehicle inspection. The vehicle inspection determines the loan amount that you qualify for. Because the representatives are usually trained and experienced, this step will only take a few minutes.

If you are approved for the loan and agree to the terms, both the inspection and a few final paperwork usually take just thirty minutes.

8. Sign The Papers And Get Your Funds

After the loan is approved, you’ll be offered to sign a few papers. The rest of the loan documents will be emailed to you for e-signature. Once you complete that, the funds will be available to you within 24 hours.

signing title loan documents

Pawn Your Car And Still Drive It

If you have urgent financial needs and need to raise money in just a few days, you can apply for a title loan. Contact us to learn more about the title loan process with one of our lenders.

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.