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How To Get A Loan With No Credit At Southwest Title Loans

Are you struggling with urgent expenses but don’t think you have good enough credit to get a loan? The good thing is, while title loans aren’t completely no credit check loans, you can still come see us at Southwest Title Loans to see if you can get a title loan! Again, borrowing without credit assessment may not be completely possible, but we do work with people that even have poor credit scores. This means you don’t have to struggle on your own. Keep reading to learn more about this loan right now!

Learn How To Get Title Loans Even With Poor Credit

We all know how bad credit can be a roadblock to many things – especially when it comes to getting a traditional loan. However, as we said in the beginning, we here at Southwest Title Loans will work with anyone, regardless of how poor their credit is. While that doesn’t mean these are loans for no credit history, this does mean you won’t get automatically disqualified for this loan here if you happen to have poor credit right now.

credit report for title loan

Why Doesn’t Poor Credit Impact This Loan?

So, why is it exactly that title loans aren’t entirely impacted by poor credit? Well, this is because we are using your car’s lien-free title as collateral for a lump sum of money. Since we are using your title as collateral, we don’t have to rely so heavily on your credit. Now, this doesn’t mean we won’t ever have to check your credit. There is always a chance – depending on how much money you could get – that we will have to check your credit. It just means a poor credit score won’t automatically disqualify you.

Also, another good thing about getting this loan with us is you get to keep your vehicle and use it as you wish while you repay us. We only hold onto your title, but do not have possession or access to your car. At the end of the duration of the loan, we remove the lien on your title and safely return it to you. Just make sure you stick to the repayment schedule and you won’t have any issues of losing your car while you have a title loan out with us.

What You Need To Get A Car Title Loan

Now that you know that, while title loans aren’t no credit check loans, you can still get them with poor credit, you should know about the required items. The good thing is the requirements for getting a car title loan with us are simple. First, you will need your driver’s license or state-issued photo ID. Next, you will need a lien-free title loan that is in your name. Finally, you will need the vehicle for a quick inspection. Without these items, we won’t be able to move you through the process.

Advantages Of A Car Title Loan

When it comes to advantages, the first one is, of course, you do not need perfect credit to get this loan. Another advantage is, if you get approved, you could get up to $15,000 to help with your emergency expenses. And you can also get a title loan quickly, typically within the same day you get approved. This is extremely helpful for those who need cash as fast as possible. In fact, the entire in-person meeting with the representative can be as quick as 30 minutes!

car title loans

How To Get A Loan With Poor Credit

By now, you know what part credit plays into you getting a title loan and you know the required items. All that is left is for you to learn the actual process. The good thing is the process is simple and quick. In fact, you can begin the process online and then schedule a meeting that can happen anywhere – which means you never have to come to one of our stores. You can even repay the loan online. Here’s how it all works:

  • Go to our website to fill out the online form. At this stage, we will ask you for your basic information and answer any questions you have. We will also schedule a meeting to continue in person.
  • At the meeting, your car will undergo a quick inspection to figure out the condition of the vehicle. The car’s condition will help us determine how much you could get. They will also look at your other items.
  • During the meeting is also where we decide if we have to run a quick credit check as well. After all of this is done, we will then determine if you qualify for approval and how much you could get.
  • If you get approved, we will help you with the paperwork and go over the loan terms in detail. Once you finish signing, you can get the money either the same day or the next bank business day.

Don’t Let Your Poor Credit Get In The Way

As you can see, there’s no reason to let bad credit stand in your way of getting the emergency money you need. While borrowing without credit assessment may not be possible, we here at Southwest Title Loans won’t turn you away just for having poor credit. Instead, we will work with you and help you find out if you could qualify for approval. So, don’t hesitate any longer and fill out the online form on our website when you are ready to get started.


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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