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Do I Need A Lien-Free Title To Get A Title Loan?

If you've looked into applying for a vehicle title loan to help you with your emergency expenses, you know by now that you need a lien-free title to find out if you qualify. But what is a lien-free vehicle title and how do you know if your title is free of liens? And can you get a vehicle registration loan if you don’t have a lien-free vehicle title? Keep reading this guide to learn the answers to your most pressing questions about your title.

Learn About Your Title And What Lien-Free Means

To answer your most pressing question first, yes, a lien-free title is required if you want to apply for a vehicle title loan with us at Southwest Title Loans. When a title is "lien-free" that means there are no debts against it. A "lien" is a legal claim to a piece of property owned by someone else until that person pays off debt tied to that piece of property. For instance, when you get a new vehicle and need a loan to help pay it off, a lien is placed on the title until you pay it off entirely.

The same goes for a title loan from us. We are using your vehicle’s title as collateral to secure the money. This means we will place a lien on it until you are finished paying off that loan entirely. You still get to keep the vehicle, you just will have a lien on your title, meaning you currently don’t own the vehicle outright. Once you are finished paying off our loan entirely, we will immediately remove the lien and return your title to you.

lien-free title meaning

How Do I Get My Title Lien-Free?

As we said, the way to get a lien-free title is by paying off your outstanding liens and judgments. Whether from us or from some other financial lender, as soon as you pay back the loan in full, the lien should be immediately removed from your title. Once you see that your title is free of any liens, you are free to do with that vehicle whatever you want – including selling it, if that is what you want to do.

Of course, just like with anything, mistakes can happen. Maybe the financial institution you went to thought they cleared your title of the lien when they really didn’t. Or maybe you weren’t even aware there was a lien on your title. Whatever the issue, it is important you take a look at your title and make sure everything looks good. And if you do find an issue, it is important you go to the DMV to get it fixed.

What Is Another Loan Option If My Title Is Not Lien-Free?

Now, if you happen to not have a clear vehicle title or you are still making payments on your vehicle, you won’t be able to qualify for a vehicle title loan. But not all hope is lost when you need quick cash. You can still come to Southwest Title Loans and apply for a vehicle registration loan. Instead of using your title as collateral, this loan uses your vehicle’s registration as collateral to secure the loan money.

This means that it does not matter if you are still paying for your vehicle, you can still qualify for this loan. You do have to make sure that your registration is registered in Arizona and in your name. But once these two things are set, you should be able to apply for this loan and find out quickly if you qualify for approval. We want you to get the quick cash you need, so if you can’t get your title ready, check out this loan!

need lien-free title for loan

How Do I Get Either Loan With Southwest Title Loans?

If you’ve gone through this guide and have decided that either you have a lien-free title for a vehicle title loan or that you’d like a vehicle registration loan, Southwest Title Loans can help. Our application process is quick and hassle-free, making our loans an option for anyone who needs money quickly. Just call us or submit our simple inquiry form here on our website to begin the process for either loan.

Make sure you clearly mark down which loan you’d like. Also, make sure you are checking the list of the required items for the right loan – because even though these loans might seem similar, the required items are different. When we receive your form, one of our representatives from the nearest Arizona vehicle loan store locations will give you a call to set up an appointment to continue the process either at the store or at another location of your choosing.

Get Your Loan Today With Us!

As you can see, having a lien-free title is vital if you want to get a vehicle title loan with us. On the other hand, if you are having issues paying off your lien or you aren’t finished paying off your vehicle, also remember that you can go for a vehicle registration loan instead. Either of our loans are designed to help you out with your most pressing emergency expenses. So the next time you need quick cash to help you out, come to Southwest Title Loans. Fill out the online form to begin the process today!

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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