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How do I get a title loan for my car?
I got into a car accident. I'm okay, thankfully, but my car isn't. My insurance won't cover it all, but I need my car to get to work. I heard I can get a title loan to get it fixed quickly. How do I get a title loan for my car?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m glad you’re okay and sorry to hear about your car. You can get a title loan quickly if you are the sole owner of your car, meaning you’re the only name on your car title. Beyond the title, you’ll need a few other documents to qualify, including:
Some lenders ask for additional items like references or copies of your keys as well. With a title loan, your car is collateral. If you cannot pay the loan back, the lender will repossess your car.
Title loans are considered predatory loans that can snowball borrowers into debt and are illegal in many states.
Before agreeing to a title loan, consider alternatives like:
- Talking with the mechanic to work out a payment plan.
- A personal loan from a bank
- A peer to peer loan
- PAL (Payday alternative loan) with a credit union
Another easy way to reduce your monthly expenses is by using the
Jerry
app. Jerry collects customized quotes from 50+ top insurers like Nationwide, Allstate, Safeco, Progressive, and Travelers to ensure you’re always getting the best rate for the coverage you need. 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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