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getting bad credit loan cash with car title

How To Get Bad Credit Loans Using Your Car Title

Do you have urgent expenses that you can’t handle on your own and you need to get money with bad credit? You might feel like you are out of options because some bad credit loans are hard to get at banks. However, you can still come see us at Southwest Title Loans to get car title loans – or car registration loans if you don’t qualify for title loans. We will help you get through the process so you can find out if you can get the money. To learn about car title loans, keep reading this article right now.

How Can I Get A Loan If I Have Bad Credit?

When you need to get money with bad credit, we here at Southwest Title Loans offer car title loans to help you out with your emergency expenses. The thing to know for these loans is that you have to be the owner of a vehicle with the title in your name. What does your car have to do with getting cash? You will use the title as collateral or security for the loan and the condition of the vehicle to help us determine how much money you could get.

Don’t worry, you can continue using your car while you pay off the loan. A lien (or a legal claim) will be placed on your title until the loan is paid back. Once we receive payment in full, the lien is then lifted, and your title is returned to you safely. So, the loan isn’t really going to change your daily routine. You can keep driving your car as you’ve always done. The only restriction is that while the lien is in place, you can’t sell your car or use it as collateral for another loan.

couple looking at bad credit title loans online

Why Isn’t Credit A Major Factor?

The reason credit isn’t a major factor is because we use your vehicle’s lien-free title as collateral. If there wasn’t collateral, that might make credit a more important factor. This all means that even if you have poor credit, you can still come to Southwest Title Loans to find out if you can qualify for this loan. Now, one thing to keep in mind is that this doesn’t mean credit doesn’t matter at all. In fact, there is still a chance we will have to check your credit beforehand – especially if you qualify for a large amount.

However, it isn’t the only thing we are looking at. We look at your lien-free title and your vehicle to determine if you qualify for approval. This means you need to make sure your title is in your name and free of outstanding liens. So if you are still making car payments, you will not qualify for this loan. Also, if there is a lien on your title, you must go to the DMV to have it removed before you come in. And if your name isn’t on the title, the DMV can also transfer the title to you before you come see us.

What If I Can’t Get A Title Loan? Get A Registration Loan Instead!

If you are still paying off your car loan, you are not eligible for a title loan because the bank has placed a lien on the title. This lien is only lifted after you own the car outright. However, you can still use your car to get a registration loan. In this case, you will be using your vehicle registration as security or collateral. While we will check your credit history, rest assured that we have simple requirements and you can still qualify even if you don’t have perfect credit.

You can borrow from $200 to $1,500 with a registration loan if you qualify for approval. The loan amounts may not be as high as car title loans, but it is higher than many other bad credit loans. To begin the process for registration loans, just present a government-issued photo ID, an Arizona motor vehicle registration in your name, your social security number, and a checking account in your name. You should also know that we do not have to inspect your vehicle for this kind of loan.

wooden sign saying bad credit for car title loans

How Do I Apply For Bad Credit Loans?

One benefit of getting a car title loan with us is our simple and quick process – even if you have poor credit! To begin the process, just fill out the online inquiry form on our website and one of our car title loan representatives will call you within a few minutes to help you continue. They’ll explain how our bad credit loans work, answer your questions, and set up an appointment for you to meet them in person either at the nearest store location in Arizona, or at another location of your choosing.

After the call, you just have to go to the meeting you set up with your required items – meaning your title and driver’s license – and have them quickly inspect your vehicle. After the inspection, you should know right away how much money you could get if you qualify for approval. If you do qualify for car title loans, we’ll go over the loan terms and help you finish the final paperwork if you agree with the terms and the amount. Once done, you get the money on the same day or the next business day.

Get Bad Credit Loans Right Now

If you’ve been hit with a financial emergency and need to raise money as soon as possible, and your credit is less than perfect, bad credit loans with Southwest Title Loans may be just what you need. Our loan representatives are all knowledgeable and ready to help you out to find out if you can qualify for the money. Plus, as you can see, our car title loans and registration loans process are both simple! For more information, use the online form to speak with a representative and to get started on the process.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.

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