How do you get a title loan without the car?

I’m heading back to college soon and I want to get a title loan to help buy books and supplies. My car just hit 100,000 miles and it’s in the shop getting some routine maintenance done. I need the loan as soon as possible, but I won’t have the car. How do I get a title loan without the vehicle?

Answer
You sound pretty busy, but you must be excited to be going back to school!
Getting a title loan without the car is essentially the same process as if you had the car, but you need to find a lender who does not require inspecting the vehicle before approval. You may need to provide a description and pictures of the car in lieu of the actual car.
To find a lender who can help in your situation, shop around online, over the phone, or in person. Also, to find the best rate, you should compare loan offers from a few different lenders.
Understand that title loans put you at risk of a vehicle repossession and often have an incredibly high APR, so you may want to consider an alternative.
Rather than get a car title loan, you could:
  • See if the school offers a payment plan for books and supplies
  • Use a credit card
  • Ask friends and family for a loan
  • Save money on other expenses
Even if you decide to get the title loan rather than one of the above alternatives, it’s always nice to save some money, especially as a college student on a tight budget.
One expense you can easily save money on is your car insurance. As a college student, you may be eligible to save using a good student discount. But the savings don’t stop there.
To put some extra cash in your pocket and ensure you aren’t overpaying for your coverage, download Jerry, an insurance comparison app that shops for low prices with over 50 different insurance companies for free. Get quotes in seconds, make changes at any time, and take the hassle out of buying insurance.
Jack Walsh
Answered on Nov 29, 2021
Jack is an insurance specialist and writer living in Buffalo, New York. He has a BA from Union College and worked as an insurance agent with Jerry before joining our content team. He enjoys using data and research to break down complex subjects and convey a story. In his spare time, Jack enjoys cycling, cooking, and exploring Buffalo’s beautiful waterfront.
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