Can you get a title loan on a leased car?

I’m building a new back porch on my house but finding the money to finish the project has been challenging. I’m interested in getting a car title loan to finish the job before it gets too cold and starts snowing, but my car is leased. Can you get a title loan on a leased car?

I completely understand wanting to finish up the project before winter. Unfortunately, you cannot get a title loan on a leased car unless the title loan lender buys you out of the lease and becomes your lender for both a car loan and title loan.
Since this process is complex and you’re unlikely to find a willing lender, use some other alternatives. To avoid the confusion of a lease buyout and a high APR, you could:
  • Use a credit card
  • Borrow money from friends and family
  • Apply for a personal loan
These alternatives are much safer and don’t put you at risk of having your vehicle repossessed.
If you’re looking for ways to save money and help cover the cost of the new porch, look no further than your car insurance. It’s this simple: download the Jerry app or go to In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from over 50 top insurance companies, and Jerry takes care of the rest.
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Jack Walsh
Answered on Nov 15, 2021

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