Can I get a Title Loan with Low Credit?

February 28, 2019

If you have ever obtained a loan before, you know that your credit score plays a big part in determining your eligibility. Because of this, many people with low credit scores find it hard to qualify for a loan. But the great thing about title loans is that your credit score plays almost no part in the eligibility process.

Your credit has little to no part in the approval process for a title loan. The main factor that is closely regarded is the make and condition of your vehicle.

How MaxCash Values Your Car for a Title Loan

Your credit score is not the determining factor when applying for a title loan. That honor goes to the value of your car. There are several factors that go into the evaluation of the vehicle’s equity. The make, model, year, and the mileage are all taken into account.

The condition of your car is quite important when it comes to estimating the value of it. If your car has any modifications that aren’t standard with the original design, then the value may be reduced, and you may be disqualified from acquiring a title loan. But if you do have added design features, worry not, just let a MaxCash agent know and we will try and match you with a lender.

At MaxCash, we have the experience and the know-how to help you through the process of acquiring a loan. If you allow us the opportunity, we can take away the stress of finding a lender because we compare dozens of lenders and rates for free. And while you pay-off your new loan, we’ll be with you every step of the way.

MaxCash if here to provide you with any financial help you may need.  Whether that’s getting a title loan, home loan, or even a business loan, MaxCash can help with all of it.  And best of all, our services are completely free.

If you wish to know more about MaxCash, please visit our About Us page or have a look at our FAQ page.

The Approval Process of a Title Loan with Low Credit

To get approved for a title loan through MaxCash, you must first fill out our online inquiry form. This form will ask several personal questions to better know you and your car. After the inquiry is submitted, you will need t provide several pieces of documentation to verify your information.

The information required by lenders will be:

  • A government issued photo ID
  • The title of your vehicle
  • Pictures of your vehicle (all four sides)
  • Proof of vehicle insurance
  • Social Security Number
  • Proof of income

Once MaxCash receives your information and documentation, we will have our highly trained staff review it. We’ll call you to let you know if you have a good chance of being approved. Along with evaluating your potential for obtaining a title loan, we will also find a suitable lending company that will work best with your individual needs.

Once approved for a title loan, we will send your information (with your permission) to the most compatible lender. When the lender reviews your information, they will contact you directly and provide you with a quote for the maximum amount they will be able to lend you, as well as the interest rate that will accompany that loan.

Once the loan amount and the term length are agreed upon, the lender will inspect the condition of your car and you will be asked to sign an agreement.

With our financial expertise and our network of cultivated lenders, MaxCash can help borrowers with any financial situation. So, whether you need help figuring out how to consolidate debt, refinance a loan, or even obtaining a loan, MaxCash has the knowledge and know how to assist.

But you don’t have to trust what we say, as you can see what we have to offer for yourself by calling (833) 207-9052 or by sending an email to Our services are completely free so don’t hesitate to reach out.

The MaxCash website does not offer or provide loans, but rather, it offers a service. It should not be construed as a lending agent or broker. The site does not endorse any lenders and does not charge visitors any fees. The website owners do not evaluate potential lenders’ applications, nor do they approve or deny credit. The MaxCash website does gather applicants’ personal information and transmits it to lenders that are part of the site’s lending network. No one is required to make use of this website, nor are they under any obligation to begin contact with site operators or to attempt to secure a loan with any of the site’s lending partners. Transmission of your financial and personal information on the website in no way obligates lenders to offer you a loan or any other kind of credit product. Be aware that cash transfer times can vary, depending on the lender and the bank you use. It may be necessary to fax information under certain circumstances. All questions about loans, and any concerns you may have should be directed to your lender. These loans are intended as short-term financial solution to satisfy borrowers’ needs for immediate monetary relief. This is not intended to be part of a long-term financial plan for individuals. These services are not offered in all states. Potential borrows may undergo credit check if lenders choose to use any of the major credit reporting bureaus, including Equifax, Trans Union and Experian. They may also use other alternative sources to check credit ratings. Your request for a loan constitutes your agreement and acknowledgement that (A) your personal data may be shared with lenders and perhaps other third-party partners, and (B) lenders can acquire credit bureau reports that detail your credit history. Reports from major credit bureaus, such as Equifax, Experian and TransUnion may be obtained and used to evaluate your reliability as a borrower.

1Loan amounts by the lenders vary based on qualifications.

2Since we do not lend money directly we cannot offer you a solicitation for a loan. In all serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans are not available in all states and all areas.

3Loans such as, Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan. Other types of loans may have pre-payment penalties as well.

4All lenders are responsible for their own interest rates and payment terms. Max Cash has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

5The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you. Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time, in the circumstance for an auto title loan. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically, larger loans or higher risk loans use a GPS.

In some circumstances faxing may be required. Use of your cell phone to receive updates is optional. Please review our privacy policy.

Loans such as Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

Signature and personal loans are only available in Georgia and Florida. Loan amounts differ at locations. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal.

Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

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