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Can you get a car title loan with a lien on the title?
I’m a freelance writer and I accidentally spilled coffee all over my laptop the other day. I tried everything, but I couldn’t get it working again. I’m desperately in need of a new laptop to keep up with work. I’m considering taking out a car title loan to purchase a new one. Can I get a car title loan with a lien on the title?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear you couldn’t get your laptop working again! Fortunately, you can get a car title loan with a
lien
on the title as long as title loans are legal in your state.The requirements for car title loans vary. Some lenders require a free and clear title, but not all. To find a willing lender and the best loan agreement, shop around and compare offers from a few willing lenders.
Keep in mind that car title loans have costly monthly fees, a high APR, and put you at risk of repossession if you can’t repay the loan. Taking all this into consideration, look into alternatives such as:
- Seeing if the laptop seller offers a payment plan
- Using a credit card
- Asking friends and family for a loan
- Taking out a personal loan
If you take out a loan, save on other expenses such as your
car insurance
to ensure you make your payments on time.View full answer
- Gregory R.
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