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A Complete Overview Of Online Title Loans For First Time Borrowers

If you’ve never gotten a title loan before, it is simple to understand online title loans for beginners. In fact, we here at Southwest Title Loans make things easy for you to learn all you need to about getting a title loan online and what you need to do to make sure you can qualify. Plus, when it comes to getting through the first-time title loan process, we have loan representatives that are ready and willing to help you out. Keep reading to learn more about this loan and the process.

Important Information To Know About Getting Your First Title Loan

What Is A Title Loan?

A car title loan is a type of short-term secured loan that requires you to put up your lien-free car title as collateral. While in the repayment period, there’s a lien placed on your vehicle title and we will hold onto it securely. Once the loan is fully paid, the lien will be released and the title will be returned to you as soon as possible. This also means we do not have to hold onto your vehicle.

What makes it possible to get them online is the simpleness of requirements. You can provide us here at Southwest Title Loans with the information we need through an online form, then we can give you a call to set up the rest of the process. And if you are approved, we will go over the loan terms to make sure you really understand the loan and your commitment to repaying it.

Who Can Qualify For Online Title Loans?

When it comes to online title loans for beginners, they are designated for people of legal age who outright own their vehicles. This means that, when it comes to us at Southwest Title Loans, we require you be at least 18 years old or older, have a vehicle that is fully paid off, and have a title that is in your name and free of any outstanding liens or judgments. Here is a list of required items to bring in:

  • A valid state-issued photo ID or driver’s license;
  • The vehicle for a quick inspection to determine how much you could get;
  • The vehicle’s lien-free title in your name to use as collateral.

woman getting through first-time title loan process

What If The Vehicle Title Isn’t In My Name?

If the title isn’t in your name, you won’t be able to use it as collateral when getting a title loan online, even with written permission from the person whose name is on the title. This, however, is easily fixable. Just transfer the title to your name at the local DMV and you can get started with the process here. You do have to keep in mind that it may take time for the DMV to work on your title, so if you do need to have it transferred, you should give yourself some time.

How Much Can I Get With Online Title Loans In Arizona?

The loan amount for a title loan at Southwest Title Loans is $15,000, however that isn’t the amount you’ll get if you are approved. The maximum amount you could qualify for will be based upon the vehicle’s resale value – as determined by a nationally recognized pricing guide – and the overall condition. This is determined by the inspection we conduct during the meeting.

Can I Qualify For Online Title Loans With Bad Credit?

Another thing to note is that bad credit will not stand in your way of getting this loan. We here at Southwest Title Loans welcome anyone – regardless of what their credit scores look like at the time of beginning the process. While there might be a quick credit check performed before we can make any kind of decisions, bad credit is generally not going to render you ineligible for a title loan here as long as the required items you provide satisfy our requirements.

What Should My Income Be?

When it comes to your income for a title loan, you don’t have to worry if it doesn’t come from a full-time job. In fact, we won’t even have you provide proof of income, as the loan amount is determined by your car. As long as you have a secure way of repaying the loan on time, your income source should be fine. Any means you choose to repay the loan can be further discussed during the meeting if you have any remaining questions.

first time borrower happy about online title loan

Getting Online Title Loans Is Easy! Here’s What You Do

When it comes to getting a title loan online, it should be a smooth and quick process here as long as you’ve got all the required items in order and ready to go. All it takes to get started is to go to our website to fill out the online form. As soon as it gets processed, you’ll get a call from one of our knowledgeable title loan representatives from the nearest store location. They will call to go over your required items and set up a meeting for you either at the store or at a location of your choosing.

Regardless of where you meet, you will have to take the required items to the meeting with the title loan representative so they can decide if you qualify for approval. The loan representative will assess your title and quickly inspect your vehicle to determine how much we can lend to you if you are approved. If they approve you, you’ll finish the paperwork with their assistance and get the money either later that same day or on the next bank business day at the latest.

Get The Help You Need Today With A Title Loan!

When it comes to needing help with emergency expenses quickly, get the help you need with a title loan. Even if you are getting through the first-time title loan process, we here at Southwest Title Loans are here to help you out. And with this article about online title loans for beginners, you now know what you need to about how to get them. So don’t wait any longer when you need quick cash. When you are ready, fill out the online form to get started right away.


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

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.

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