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What do I need to apply for a car title loan?
My dog got sick recently, and the visit to the vet was much more than I expected. Luckily, my dog is okay, but my monthly budget took a hit, and I need some extra cash to make ends meet. I heard car title loans could offer me money quickly, but what do I need to apply?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car title loans are short-term, high-interest secured loans that use your car as collateral and quickly offer applicants access to money. Lender requirements vary, but to apply for a car title loan, you will likely need to provide the following:
- A completed loan application
- Your vehicle’s title
- Your driver’s license
The lender will also examine the vehicle and may request additional information like
proof of insurance
. It should also be noted the annual percentage rate APR of a title loan can easily reach 300%, so make sure to compare offers from multiple lenders and understand when and how much you will be required to pay back. To avoid high-interest rates, monthly fees, and potentially losing your vehicle, consider other options, like:
- Taking out a personal loan
- Using a credit card
- Applying for a payday advance loan
To save money on your car, consider downloading the number one rated car insurance app,
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy. The average Jerry driver saves $879 a year on car insurance!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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