Can You Get a Title Loan in a Different State?

How to Get a Title Loan With an Out-of-State Title

If you have an out-of-state title, you may still be able to get a title loan. However, you may need to take one of these steps during the application process:

• Provide Proof of Residence
• Register Your Car in Your New Home State

Provide Proof of Residence

If you apply for a title loan while out of state, you may need to provide proof of residency in order to get approved.

For example, say you live in Texas but are vacationing in California. If you want to apply for a title loan while in California, you will need to present the title to your vehicle. Because it’s an out-of-state title, you will also need to prove to the lender that you live in Texas.

Your lender may accept a number of different types of documents as proof of your residency, including your driver’s license, recent utility bills, mortgage statements, or lease agreements. The documents you submit must show both your name and your current address. If your utility bills only show your roommate’s name, for example, you cannot submit these documents as proof of your residency. 

Register Your Car in Your New Home State

If your car is registered in a different state because you have recently moved, the title loan company may ask you to register your car in your new home state in order to qualify for a title loan.

For example, say your car is registered in Texas but you recently moved to California. Because you no longer live in Texas, the title loan company will not need to see proof of your Texas residency in order to approve your loan. Instead, the title loan company may ask you to register your car in California before you apply for a title loan.

You usually have 30 days to update your license and registration after moving to a new state. You should do this regardless of whether or not you are applying for a title loan. To update your registration, you may need to submit an application online or visit your local Department of Motor Vehicles (DMV) office. You will need to pay a small fee to complete the process of registering your vehicle in your new home state.

Once your registration has been updated, you may be able to use your title to qualify for a title loan.

Can You Get Title Loans in All 50 States?

Every state has its own rules and regulations regarding title loans. For example, some states have established minimum and maximum title loan amounts. A handful of states have gone even further and banned title loans altogether. If you are in one of these states, you will not be able to get a title loan regardless of which state you actually live in.

What Are the Benefits of Getting a Title Loan?

Title loans are unique loans that offer a number of benefits, including:

• Fast processing times. Title loans are known for being processed quickly, which is why so many people rely on them when they need cash in a hurry.
• Simple application process. The process of applying for a title loan is simple and straightforward. In fact, the entire application process can take place online or over the phone, so you won’t need to visit a lender’s office in person.
• Simpler to qualify for. It’s much simpler to qualify for a title loan than it is to qualify for other loans, including traditional personal loans.
• You keep your vehicle. You won’t need to hand over the keys to your vehicle when you apply for a title loan. You can keep driving it while you make payments in accordance with the loan terms.
• No prepayment penalties. From most title lenders, you won’t incur additional fees if you decide to pay off your title loan earlier than expected. 
• Spend your money your way. The title loan company won’t tell you what you can and can’t do with the money you borrow. As long as you pay it back in time and it is used for legal purposes, you can spend it however you see fit.

How to Apply for a Title Loan

Don’t wait any longer to get the fast cash you need. Follow these steps to apply for a title loan from 1(800)CAR-TITLE®:

1. Contact our loan specialists. There are two ways to start the title loan application process. You can call our loan specialists directly at 1-800-227-8485 or submit your information using the form on our website. If you choose the second option, a loan specialist should reach out to you as soon as possible.
2. Request a loan quote*. You can get a free loan quote in just a few minutes. All you need to do is tell your loan specialist more information about your vehicle, including its make, model, year, and mileage. Then, you will receive a free custom loan estimate that explains how much you can borrow and at what interest rate.
3. Finish the application. You’re not obligated to get a title loan if you ask for a free loan quote. However, if you’re happy with the terms of your loan estimate, you can complete your application by signing and submitting the required documentation.
4. Get your loan proceeds in cash. You can pick up your cash in person or ask your loan specialist to have it sent to you via check or wire transfer. 

Take the first step toward securing the cash you need–call us or submit an online form today to start the title loan application process.

*Loan approval is subject to meeting the lender's credit criteria, which includes the demonstration of the ability to repay the loan. Not all applications will be approved.

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