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either title loans or online title loans

Make Sure You Know The Difference Between Title Loans And Title Loans Online

The term ‘title loans online’ can be confusing for people, and understanding the distinction between that and title loans is important when you’re in need of a quick loan. The truth is, when you come to Southwest Title Loans, it is simple to understand the differences between these loans. You see, a title loan online simply means that you can choose a location when you meet with our representatives.

Regular title loans require you to go to one of our loan store locations, proving to be more limited in scope. Southwest Title Loans is proud to offer title loans online to help you get the urgent cash you need. In this article, we’ll highlight the differences between the two terms, what you need to see if you can get these loans, and how you can start applying for either a title loan or a title loan online today!

Learn The Difference Between Title Loans And Online Title Loans

What Is A Title Loan?

A title loan is a type of secured loan that uses your vehicle title as collateral. Doing so, a lien is placed against your title, securing the lender’s interest in issuing money and your commitment to repaying the loan. You then receive a lump sum of money to spend at your discretion — although, ideally on emergencies — which you will repay over a period of time.

It’s a financial resource for those who don’t have the creditworthiness to take out loans with traditional institutions or on their signature alone. And compared to unsecured loans, you can usually borrow larger amounts depending on the value and overall working condition of your vehicle. Generally, our customers use them for the following emergency situations:

  • Emergency home repairs.
  • Important medical bills.
  • Unpaid bills or rent.
  • Urgent travel to help family.

woman deciding between title loans and title loans online

What Is An Online Title Loan?

Putting the word ‘online’ to a title loan online doesn’t change anything functionally about how the loans work; the only difference is that you can choose the location you meet with one of our loan representatives in person. Traditional title loans don’t offer that flexibility, instead requiring you to visit the nearest loan office location directly. Just let us know where you’d like to meet and we can set it up for you!

Can I Get A Title Loan Completely Online?

The word ‘online’ might confuse you into thinking that you can get a title loan completely online, but this isn’t the case and will probably never be so. We heavily rely on your car’s title and car to protect our interests. Of course, not every title is worth the same amount, and borrowers whose car is in great condition will get more.

To determine a car’s value and its condition, we here at Southwest Title Loans will inspect your car in person to see its overall condition and price it on a nationally recognized scale. That number informs the amount of money you could qualify for on your loan if you are approved. This loan process must be conducted in person for several reasons:

  • The inspector needs to see the car’s condition.
  • The VIN must match the title.
  • The title must match the car being used for collateral.

The Process For Getting An Online Title Loan

While it may be disappointing that you can’t get a title loan completely online, you can still get started online. All you have to do is complete the quick request form on our website, and your information will be sent to the nearest store location in Arizona. When possible, one of our loan representatives will give you a call to outline the loan requirements and the next steps.

You’ll schedule a meeting for the vehicle inspection either at the store or a location of your choosing. When you attend the meeting, a representative will check your required items and inspect your car. If everything checks out and we decide you qualify for title loans online, you’ll be approved for anything up to $15,000 that you can use toward your emergency expenses.

directions for title loans and online title loans

What You’ll Need To Get Either Of These Loans

Of course, there are a few requirements to take out one of our loans. Make sure you have these items when you meet with the representative for your vehicle inspection. The good thing is we don’t require you to bring too many items whether you go for title loans or title loans online. Here is a short list of the items you’ll need to gather so that you can make sure you are ready for the meeting:

  • Driver’s license or state-issued ID.
  • Lien-free vehicle title.
  • Your vehicle for inspection.

When we mean liens, we are talking about any judgements against your title. If your title does have a lien on it, this is considered a nonstarter when it comes to getting a loan with us. To remove any liens, you’ll have to pay your lienholder what they are owed and have them remove the lien. In some cases, this may involve getting a duplicate title from the DMV. You must get this fixed before you come here.

Get Your Online Title Loan Today!

With Southwest Title Loans, getting the right loan for your needs is easy. We’re proud to offer title loans online to speed up the loan process for you. Simply fill out the quick request form and a loan representative will walk you through the next steps. Emergencies can leave you with few options to cover your expenses. If that happens, we’re here to help. Get started today to see how much you could qualify for with title loans online!


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

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.

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