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How can I get a loan on my car?
I’m pretty strapped for cash these days, and I heard that using your car to get a loan was a good way to get cash fast, I’m just not sure how it works. How can I get a loan on my car?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car title loans can be a way to get cash quickly but will likely result in you owing significantly more money than you borrowed. They are typically short term loans that use your car as collateral, which means if you don’t repay the loan, you risk repossession.
To get a car loan you will need to first find out if car title loans are legal in your state, then you will need to find a lender and follow their application process. This is usually a short process that requires you to show the following:
- Proof of identification (usually a current photo ID)
- Proof of ownership of the vehicle (registration and title)
- Proof of regular income
- One or two references
- Working copy of the vehicle’s keys
Since car title loans can be risky and they’re not legal in every state, you might be able to find cash other ways, including:
- Using a credit card to pay for things
- Applying for a personal loan
- Asking a friend or family member for help
- Looking for ways to save on your daily expenses
You can find ways to save on car ownership. If you want help finding cheaper auto insurance, try using the number-one-rated car insurance app,
Jerry
. Jerry compares personalized rates from more than 50 top providers, including Nationwide, Allstate, and Travelers, and delivers the best deals to your phone in minutes for free. Jerry users save an average of $879 a year on car insurance
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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