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Do car title loans go on your credit history?
I was recently denied a personal loan from my bank and I took out a car title loan instead. I’m trying to improve my credit score and I fully repaid the loan. But will the car title loan go on my credit history?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Working to improve your credit is always a smart financial move! Unfortunately, the car title loan will not show up on your credit history.
Title loan lenders don’t report the loan progress to any credit bureaus or sell the debt to a collection agency. Rather than send your debt to collections, they repossess the vehicle to cover any losses, and your credit score is essentially left out of the entire title loan process.
If you’re looking for other ways to improve your credit, consider using a credit card to pay for recurring bills like your
car insurance
. As long as you make your payments on time, your credit score should gradually improve.Insurance companies factor in your credit when generating rates. So once your credit improves, you should download
Jerry
to compare quotes and find the best deal. The Jerry app can collect quotes from up to 50 top insurance companies like Travelers, Nationwide, and Progressive in seconds! They even help cancel your old policy once you’ve chosen your policy.View full answer
- Gregory R.
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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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