What Do You Need To Get A Title Loan Online?

Written By Mason Roberts

Published on September 1, 2023

There are countless options to get money, and if you’re interested in getting a title loan your first question might be “What do you need to get a title loan?”. Getting a title loan online might be easier than you think, especially if you get a loan through Nevada Title and Payday Loans, Inc. Here are our simple requirements to get you started.

You will need a valid state-issued ID, a lien-free car title, and your car itself for a brief inspection to take out one of our loans. If you’ve got these three items ready to go, then you’re all set to apply by hitting the Get Started button at the top of this page!

Borrowing money can be daunting for the first time, but it’s certainly an option you can consider in dire circumstances. We’ll help you discern whether a title loan is right for you and explain the requirements so that you can apply with confidence without wondering “What do you need to get a title loan?”.

A text "what do you need to get a title loan online?" and a man holding a cash and approving document on top of a table with red car toy, pen and document.

What Is A Title Loan?

Let’s start with the basics. A title loan is a type of secured loan that uses your vehicle title as collateral. The lender places a lien against your title, which will be removed when the lien is paid in full. The lien gives the lender more security in your promise to repay the loan, and it allows you more credence as a borrower so that you don’t have to have strong credit.

How you use a title loan is your responsibility, but we strongly recommend you only use them for emergencies. The following list should give you an idea of how to use title loans sensibly:

Car breakdowns
Medical bills
Rent and utilities
Urgent business travel
Other unplanned expenses

Life can hit you out of the blue, and when it does, a title loan can be a short-term cash flow solution to get you back on your feet in no time.

What Do You Need To Get A Title Loan?

Requirements for title loans are pretty standardized across the board, so you can take this information with you to understand the question: “What do you need to get a title loan?”

State-Issued ID

You need to be over 18 and present a valid government-issued ID to take out a loan. That’s for a simple reason: Minors can’t be held responsible for loans, and checking your ID confirms your identity. As such, please make sure you’ve got one of the following forms of ID when you apply:

Driver’s license
Passport
Military ID
Student ID
Non-driver’s license

Lien-Free Title

Of the requirements, this one can be the most difficult to understand. A lien-free title simply means that your car has no judgments or claims against it. Just like title loan lenders, other entities may place a lien against your vehicle to ensure repayment. Think of a dealership, for example, who may place a lien against your vehicle to ensure you finish making payments on your car.

If there’s already a lien on your vehicle, then, technically, another entity has legal ownership of it until you finish paying it off. As such, you need to clear liens from your title, whether paper or electronic, before you can apply.

Your Vehicle

Lastly, you’ll need to bring along your car for the brief inspection. We, along with other title loan lenders, value your car and lend money at a percentage of its value, among other factors. A newer or luxury brand car will usually mean more leniency in how much you can borrow.

Make sure your car title and vehicle match! There’s no point bringing the title to the vehicle you’re not using as collateral or vice versa.

a woman approved for title loan wearing a red and holding a cash in white background.

Our Simple Application Process

Getting started is as easy as hitting the Title Loans button at the top of this page. When you fill out this form, a representative will call you back shortly to review your information and set you on the path to getting a title loan. That involves a quick visit to the loan office (check our Locations tab for a store near you!), where a qualified representative will greet you and inspect your vehicle.

Assuming everything checks out, you may be approved to get a title loan and fill out some additional paperwork.

If you are approved, you’ll get the money you qualify for the same day or the next business day.

Get Your Title Loan Today!

Need urgent cash? No more wondering “What do you need to get a title loan?” Nevada Title and Payday Loans, Inc. has got you covered. Whether it’s an urgent car repair, costly medical bill, or business travel, short-term cash flow can tide you over while you sort out your finances. If you’re interested in learning more or applying, call one of our stores or fill out the quick request form 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.