What If the Vehicle Title Is in Someone Else’s Name?

December 9, 2018

When applying for a car title loan, one of the first documents a lender will ask for is a qualifying car title with the potential borrower’s name on it.  But what happens when the car’s title has someone else’s name on it? Can that person still apply?

This page will explain why a borrower needs their name on the title, and how to change a cars title name.  Don’t let a simple obstacle stop you from receiving the emergency money you need.

Why a Name Change Is Needed

A working car title is needed to apply for a car title loan. In order to complete the process and receive the money, a borrower has to have their name on the title.

If a drivers name isn’t on the title, the car isn’t legally theirs until the change is made. Without identification on the car title, a person can’t sell their car, register, or apply for a car title loan.

Changing the name on a car title can save time later on and prevent any confusion. But if more than one name is on the title, is that okay?

There is a major difference between the conjunctions “and” and “or.” If two names are on a car title, with “and” between them, both parties need to apply for the loan together. For example, if a title states “Jane or Joe,” then either Jane or Joe can apply for a loan without the other.

But if two names are listed on the title with “and” between them, then either person can apply for a loan by themselves. Note: there may only be 1 lienholder on a vehicle at a time when it comes to car title loans.

How to Change the Name on a Vehicle’s Title

Changing a name on a car title is a fairly simple process. Once it’s done, a person can apply for a car title loan and if eligible, receive the money they need to tackle that financial emergency.

To get the process started, follow these steps:

  • Visit the DMV in person to make the name change.
  • Proper identification will be required, so be sure to have valid proof of identification such as a government issued photo ID.
  • Present the car registration or title loan.
  • Have the required payment amount to pay any registration fees.

The process for changing the name on a car title varies by state, so be sure to call the DMV or check out this website to verify what documentation is needed and check the fees.

If a transfer is needed, then the previous car title owner or the second party on the title needs to sign the title over to the new owner. This must be done before the initial trip to the DMV.

Applying For a Car Title Loan with MaxCash

MaxCash is the number one title loan assistance service in the nation! We help connect people to lenders and help find them an affordable loan. The best part is that our services are completely free!

To begin searching for a car title loan, a person must first decide which lender they would like to do business with. This can mean calling various lenders and spending countless hours talking to an agent just to receive a loan with sky-high interest rates and short duration periods.

But at MaxCash, we do all of the work for our clients. We have built relationships with numerous loan companies around the nation. We make all the calls, ask all the tough questions, and work with lenders to help our clients receive loans with manageable terms4.

To get started follow these quick steps:

  1. Questionnaire: An inquirer must fill out our quick online questionnaire. The form will ask for contact information, as well as details about the vehicle. Completing the questionnaire should take about 5 minutes.
  2. Qualification1: Once we receive a person’s information, we let them know if they have a good chance of qualifying for a loan based on their car’s information and our decade of experience.
  3. Finding Lenders: After the initial phone call, we begin contacting loan companies. Because of our connections and our success, we are able to haggle and ask for better terms1. We acquire all of the important information our clients need to know and get all of the loans details.
  4. Decisions: Once we acquire loan offers, we relay them to the client. A client can decide to accept or deny the loan offers we find them. MaxCash is a free service and we don’t obligate our clients to accept anything.
  5. Securing A Loan: If a client accepts a loan offer, then we connect them to the lender to finish the process directly with them. The lender will go over the final contract details with the client. Then the contract is signed, and a client becomes a borrower.

Completing the car title loan process will require a client to produce some additional documents and information. Generally, a loan company will require the same information from every borrower. But this isn’t always the case.

The information a lender may ask for includes:

  • A valid government issued photo ID
  • Social security number
  • Proof of income
  • Proof of residence
  • Vehicle registration
  • VIN, license plate, odometer
  • Pictures of the car
  • Personal references

MaxCash provides free loan assistance to those that desire it. We work hard for people, because we know that financial disasters can happen to anyone. Acquiring a loan is an important decision, but not all loans are created equal.

Navigating the sea of financial lenders can be frustrating and confusing. There’s a lot of legal jargon, and a slew of information a person should know when inquiring for a loan.

At MaxCash, we take all the guesswork out of finding a lender and an affordable loan. All a client has to worry about is whether to accept a loan offer or not5.

So why not inquire today? We have over 400,000 customers, you could be one of them1! Complete the quick questionnaire, and see just what we can do for you.

DISCLAIMER: 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.
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