Auto Title Loans

Emergincy Money


Auto Title Loan is simply a collateral loan secured by your vehicle.

The title certificate often called pink slip usually the ownership certificate (pink in color) proves you are the rightful owner of the vehicle which can be used to secure the loan.

When you purchase a vehicle or use a vehicle for a new loan the lender adds their name on the owner’s title as a lien holder and the certificate is recorded.

When the loan is repaid, the lenders name is removed as lien holder.

An auto title loan in short is when you use your vehicle as collateral to raise money for what ever reason.

The lender in this case is not benefiting by selling you an auto but only from the interest & fees you are willing to pay.

With less than stellar credit this type of loan allowing you to tap into the equity of your vehicle. Your vehicle must be paid in full for this to work, meaning free and clear of any old loans.

To Qualify for an Auto Title Loan

Auto Title Loan for Challenged Credit exclusively meant for borrowers who have bad credit, as the interest rate is high.

If you have a paid in full vehicle and steady employment it is likely that you would qualify.

Can I still drive my car? (Do I get to keep my car?)


Yes! You keep your vehicle when you take out an auto title loan. Since you’ll still be in control of the car you’ll still be able to drive it.

In many respects, car title loans are very similar to standard car loan. The biggest differences are that car title loans have the following features:

  • The loan terms for car title financing will vary according to the lender’s guidelines, loan program and state regulations. Auto title loan terms can be as short as one month or as long as four years, or more.

  • Lenders typically do not check your credit only consider the value and condition of the vehicle that is being used to secure the loan, and your means to repay.

  • Typical lenders will offer up to half of the car's resale value, though some will go higher. Most lenders use the Kelley Blue Book to find the resale value of a vehicle.

Because title loans are based on the value of your vehicle they are typically given in larger amounts than payday loans. So if you’re financial struggle adds up to more than $1,000 a title loan could really help.

Most lenders will also require the borrower to have full insurance on the vehicle.

Like most car loans, typical car title financing are usually installment debts with monthly or bi-monthly payments.


What You Need to Qualify

Typically, lenders require that borrowers have a valid government issued ID like a driver’s license, proof of income, some form of mail to prove residency, car registration, a lien-free car title in their name, references and car insurance.

However, not all states require that their lenders need proof of auto insurance to secure the loan.

When filling out these applications, they may ask for things like your Vehicle Identification Number (VIN) and insurance policy numbers.

You’ll need to have a government issued photo ID, a free and clean title, 3 references (not family members or relatives) and your Social Security card. You will also need to verify the vehicle’s condition and what the odometer reads (mileage).

But before you take out an auto title loan it's wise to look at other options first.

These loans are simply high interest debts where the effects can be devastating if you are unable to repay on time. 

Seek out other sources that offer a lower interest rate. You may be placing your vehicle at risk and could be trapped into a vicious cycle of debt. Be sure you can pay off the loan because if you miss a payment, you'll be missing your car.

If you think an auto Title Loan is best for your circumstances then here is a link to the best lenders I know.



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Making The Right Decisions

 Which Loan Is Right For You?

Be responsible, borrow based upon your ability to repay.

Review all the terms carefully before accepting a loan offer. Each lender has their own guidelines and policies for granting loans; they also have their own policies regarding what happens if you default on the loan.


Comparing the Annual Percentage Rate of several different lenders can help you when making a financial decision. Review the applicable laws and regulations governing loan rates and fees in your state: Carefully consider the repayment schedule, fees & interest associated with any loan offered to you.

Keep in mind brokers are not the lenders rather an introduction service that match you to lenders that may offer you a wide variety of financial programs based on the information you submit.

Please, Borrow Responsibly Your future financial well-being is a priority.

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Keith Rossignol,, 2454 9 Ave N St Petersburg, FL 33713