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Completely Online Title Loans

Completely Online Title Loans

Completely online title loans with no credit check, no inspection, no store visit, and even no phone calls are a fairly new concept to the title loan industry. In today’s environment of electronic transactions, it is much easier to get a title loan online with no phone calls and without leaving your home if you find the right lender.

In this article we’ll cover the following topics:

  1. What completely online title loans are and how they work
  2. The Reasons for needing one of these loans
  3. Funding Methods such as Direct Deposit and associated timeframes
  4. How to prepare to help ensure there are no delays

Just like a traditional car title loan, these loans are a way to borrow money using the equity in your vehicle as collateral. This makes them secured loans. It also makes the vehicle a key part of the transaction.

A trip to your local title lender may not be necessary to get same day cash. It is convenient when there are online options that may be available in your location.

As we have written about before, there are several different types of online title loans. Each type has both benefits and risks (advantages and disadvantages). It is important to understand these before making the decision to move forward with either option.

If you are new to title loans then it is worth learning how they work. If you are simply shopping for the best online title loan that does not require a store visit or vehicle inspection then feel free to inquire now. The process is fast, streamlined, and optimized.

Different Types of Online Car Title Loans

As mentioned there are several different types of online car title loans available today. These include with or without a store visit, with or without inspection, with or without a credit check, and with or without phone calls as well as any combination of these. The types of loans offered will depend on both the lender and the state you live in.

In some cases, the lender will come to you to complete an inspection if you cannot make it to their location. The table below summarizes the different types of loans, and the following sections detail the similarities and differences between these different types.

Completely Online Title Loan Types:

Completely Online Title Loan TypeAdvantagesDisadvantages
No InspectionNo need to bring the vehicle to an inspectorAppraisal is virtual, therefore value may not be 100% accurate
No Store visitNo need to visit lender’s locationInspection by a third party may be required
No Phone CallsCan be completed without phone callsA quick phone call may save time
No Inspection and No Store VisitNo need to visit lender or an inspectorAppraisal value may not be 100% accurate
No Credit Check and No InspectionCan be completed 100% onlineSome lenders run a soft credit check
No Inspection, No Store Visit, and No Phone CallsNo need to visit lender or an inspectorA quick phone call may save time; Appraisal value may not be 100% accurate
There are multiple types of completely online title loans, each with advantages and disadvantages.

As shown in the above table, each different type of loan has both advantages and disadvantages. Take the time to prepare and weigh the benefits versus risks to find the best solution for your situation.

Below we’ll explain each type of completely online title loan in a bit more detail and discuss some of the differences between them.

Completely Online Title Loans with No Inspection

The maximum amount you can borrow with a title loan is based on a percentage of the vehicle value – in most cases it is up to 50%. To determine this amount the lender would usually perform a vehicle inspection to appraise and assign a value to the vehicle. This is obviously more difficult to do without performing the appraisal in person, but is still possible.

Instead, the lender uses vehicle pictures and a history report to perform what we refer to as a “virtual appraisal”. This is why providing clear, detailed, and accurate pictures of you car is critical to completing one of these loans quickly.

There is only so much you can portray through pictures. In some cases the online appraisal value may be less than in person appraisal value. This is one of the disadvantages of this type of loan.

If you don’t need to borrow close to 50% of your vehicle value, then this may not be important to you. On the other hand, if you need to borrow as much as possible, try to provide as much relevant information as possible to support your vehicle’s value.

This can include items like maintenance records and anything else that helps support what your car is worth. Pretend you are purchasing a car online without seeing it in person; what information would be important to you?

Vehicle inspection in a garage crossed out in red "No Inspection"
Completely Online Title Loans are Available with no Inspection. This is where pictures come in.

Completely Online Title Loans with No Store Visit

It is important to note here that some title loans with no store visit do require an inspection by either a third party or, in some cases, the lender will actually come to your home to perform the inspection.

This is not always the case, so be sure to ask if it is important to you. It varies by lender and by state. If you need to borrow close to the maximum, then this may be a better way to get a more accurate appraisal.

For these loans with no store visit there are two ways to complete the loan:

  1. Online or by Mail
  2. Lender visit to your home or work

If the lender visits your home or place of work they will perform a quick vehicle inspection, verify your identity, complete the loan agreement, and provide you with your funds.

How to get an Online Title Loan with No Store Visit

Getting a completely online title loan with no store visit starts with an online application. Fill the application out and the lender will contact you with an approval amount.

If there are any gaps in the application, the lender will contact you to gather the required information. For time sensitive situations this is why it is important to prepare and provide all relevant and required information with the application. This can save a significant amount of time and is especially important for 24 hour online title loans with no store visit.

Instant Online Title Loans with No Phone Calls

Mobile cash transaction next to a mobile phone crossed out in red - no phone calls
Instant online title loans with no phone calls.

Sometimes completing the title loan process without any phone calls is a desire. This can be for various reasons. Maybe you work and are busy and unable to make or take a phone call during the lender’s hours. Perhaps you simply prefer not to.

You can get a title loan online with no phone calls, although the lender does need some way to communicate with you to verify information. If you prefer a completely online title loan with no phone calls then this can be email or text. Just keep in mind that a short phone call can save time. It can be easier to verify information and correct any inconsistencies in the title loan application over the phone.

How to get a Title loan with No Phone Calls

As mentioned there are plenty of reasons to not want to make or take a phone call. Some of the communication can be accomplished through email and text messages, so it is easy to get a completely online title loan with no phone calls.

However, the reality is a quick call with the lender can save time. The call is usually to verify information and confirm what you submitted online.

Completely Online Title Loans with No Store visit and No Inspection

The next type of loan is one without an inspection or a store visit. We’ve already described loans with no inspection; that description fits here as well.

With this type of loan there is no visiting a lender or an inspector, and there is no lender visiting you. These online title loans are literally 100% online, meaning all parts of the process are done online with no reason to bring in the car.

It is important to note that if there is a problem with your loan, you may not have a location to go to. Also, make sure that the lender you choose accepts a payment method that makes it easy for you to keep your loan up to date.

How to get a Completely Online Title Loan with no Store Visit and no Inspection

Now that preparation of information is complete, the process to get a completely online title loan with no store visit is easier. It is still highly recommended to take some time to find the best online title loan available in your area.

Online title loans can and do vary widely between lenders. Finding a lower cost loan with minimal or no fees can make the repayment process much easier. Once you find the lender, the process is fairly easy.

Generally, the process is broken into the following high level steps:

  1. Apply online
  2. Get approved completely online
  3. Get funded with no inspection or store visit
Title loan location crossed out in red -no store visit
A completely online title loan is possible with no Store Visit and no Phone Calls.

Title Loan Online with No Credit Check and No Inspection

The final type in the table above is a title loan online no credit check no inspection. These work the same way as the loan above, just with an emphasis on no credit check.

A noteworthy statement about title loans with no credit check is the difference between a hard inquiry and a soft inquiry. One of the advantages of a title loan is that it is secured by the equity in the vehicle.

This means the loan amount is usually based on vehicle value and not credit history. Soft credit inquiries are often used by online title loan companies to verify information such as address and other personal information.

Making an in person title loan without any credit inquiry is less of a risk than a 100% online one. Consider the fact that the lender will not see your vehicle or be able to verify your identification and address in person. The one positive about a soft inquiry is that it has no affect on your credit score.

How to get a Title Loan with No Credit Check and No Inspection

Getting a no credit check and no inspection title loan is fast and easy with the best title loan company. Simply fill out a short form and a specialist will contact you to gather the required information.

Then you’ll receive a title loan quote. If you agree with the terms and conditions in the quote, sign the agreement and collect your funds.

To help ensure your loan is funded with no delays we recommend preparing for the loan. Lack of preparation can lead to either a delay or a loan with unfavorable terms.

Prepare for Completely Online Title Loan with No credit Check and No Inspection to Save Time

The process for a completely online title loan with no credit check and no inspection takes both time and effort, even for the fastest loans. This of course is occurring while you still have the emergency expense to take care of.

How to Prepare for an Online Title Loan

We recommend preparation as the first step for any loan. This is especially true for completely online title loans with no store visit and no credit check because of the additional requirements like vehicle pictures.

Preparing for the loan prior to applying can save you time and effort. It will also help ensure your loan is funded fast with no unnecessary delays.

Preparation Step 1 – Gather Documents to meet the Requirements

The first step is to gather all required documentation. This includes the following:

  1. Lien free Title
  2. Drivers License
  3. Insurance Information
  4. Proof of Income
  5. Vehicle Pictures

We recommend placing all required information in a single electronic file or folder. This way when it comes time to apply you have everything ready.

Compiling information for the car title loan in a single file or folder
Put all documents for a Completely Online Title Loan in a single file or folder.

Preparation Step 2 – Taking Vehicle Pictures for a Virtual Inspection

One of the main differences between an in-person loan and a completely online one is the need for vehicle pictures. This is for good reason. The lender will not actually get to see the vehicle in person.

The lender still does need to appraise the vehicle. The most efficient way to do this online, without an inspection, is by examining pictures of the vehicle. You will need to upload these pictures over the internet.

These pictures allow the lender to virtually appraise the vehicle meaning you can get the loan without a store visit or vehicle inspection. This will include the following:

  1. Vehicle License Plate
  2. Vehicle Identification Number (VIN)
  3. Interior (front, rear, and trunk/cargo area)
  4. Vehicle Exterior (front, rear, and both sides)
  5. Under the hood
Person taking a picture of a vehicle to upload for a virtual appraisal
Taking Vehicle Pictures is required for a Completely Online Title Loan without vehicle Inspection.

The more detailed and clear your pictures are the better. Make sure to include any items that may affect the value of the vehicle such as body damage. Read our guide on taking pictures for an online title loan for more information including where to find your VIN.

Preparation Step 3 – Valuing your Vehicle for the Title Loan

Now that you have your documents and vehicle pictures you should have everything you need to proceed with applying for the loan. We do recommend getting an idea of what your car is worth to make sure the appraisal from the lender is fairly accurate. This can be done using one of the many available free vehicle valuation tools.

Preparation Step 4 – Determining the Loan Amount and Length

Finally, now that you have an idea of what your car is worth it will help to understand how much you need to borrow. Additionally, finding a loan length that results in a payment that is affordable without resulting in a loan that is excessive from a total cost perspective.

Funding Methods

Unlike an in person title loan, a completely online one is often funded electronically. It is important to note that funding timeframes are different from approval times.

While approval can be close to instant, funding takes longer. Instant online title loans with direct deposit are one of the fastest types of online title loans. Other funding methods include a debit card or paper check.

Risks with Online Title Loans without a Store Visit

It is important to point out that some title loans with no inspection do come with risks. As you would probably expect, the more risk associated with a loan in most cases equates to higher interest rates. Why? The answer is simple.

As with many other things in life, the actions of a small number of people affect the larger group. Unfortunately some customers seek to avoid an inspection for the wrong reason. This is usually when there is a defect with the vehicle that would be noticed in an inspection.

Weigh the Risks versus Benefits for completely online title loans
Completely online title loans with no inspection or store visit have risks and benefits.

This would lower the value of the vehicle, and as a result, reduce the loan amount. In some cases the defect may be a mechanical issue that is easily maskable with photos. The defect would be uncovered if the vehicle was inspected in person.

If and when these customers default, the lender may not be able to recover the cost of the loan. As a result, the interest rate for everyone is increased to make up for this.

So, if you have a vehicle that has nothing to hide, you can reduce the risk by providing as much information as possible.

This can include service and maintenance records or warranty information. If you have aftermarket equipment provide those details as well. Be sure to include anything else to help an online lender accurately appraise the vehicle without inspecting it.

Put yourself in the lender’s shoes for this part of the process. Pretend you are purchasing a used vehicle online without the ability to inspect or drive the vehicle.

Risks for Title Loans with no Phone Calls

Sometimes a quick phone call will allow the lender to verify information quickly. The risk associated with no phone calls is a slight delay in the process.

If the lender has to exchange several emails to clarify information, this will take some time. This is more important for a 24 hour or same day title loan where every minute counts.

Challenges getting a Car Title Loan Completely Online

Needing and getting any car title loan can be stressful. They are often a last resort option to cover emergency and unexpected expenses when time is a critical factor.

Finding a reputable lender in a timely fashion can add to the stress of needing the loan to begin with. Then, once you find a lender, you need to try to make sense of the actual costs of the loan and ensure it is reasonable. Some costs can be excessive, it is important to keep this in mind when reading the agreement.

Reasons for needing a completely online title loan with no store visit
Needing a completely online title loan with no inspection and no credit check is often not a great position to be in.

Sometimes it is only possible to determine the total cost after spending time completing the online title loan process. This can be disappointing, especially if you are in a hurry to take care of a time sensitive expense.

Going through the entire application process only to find out at the last minute that the costs are excessive is not what anyone wants to deal with, especially when they have a pressing financial issue. This can lead to accepting a loan with terms and conditions that are not optimal.

Are There Instantly Funded Online Title Loans?

There are no instantly funded online title loans or 30 second funded title loans despite what some lenders may advertise. Use common sense when reading ads – if it seems to good to be true it usually is. It will always take some time to complete and fund any online title loan, regardless of the type.

Needing money quickly is not a great position to be in and some lenders (not all) may try to take advantage of borrowers in this situation. Make sure you are not one of them by being aware of this and keep it in mind when reading the loan agreement. Don’t forget that you can negotiate a title loan to get better terms.

Funding times vs amounts
Completely Online Title Loans take time to fund, even if same day or 24 Hours.

We try to help simplify this and make getting a car title loan completely online easier by providing a real time estimate at any time, 24 hours a day 7 days a week.

Use the car title loan calculator to quickly and easily estimate the cost of a title loan online with no credit check and no inspection. Another recommendation to speed up the process and eliminate any wasted time and effort is to prepare for the loan before applying.

Completing some of the preparation steps prior to contacting a lender can shorten both the approval and funding times, sometimes significantly.

Before we cover preparation, we’ll outline the different types of online title loans that are available.

Finding Information Online

Finding factual and useful information about completely online car title loans can be difficult. It can be challenging to determine what is factual and what is opinion to drive business to certain advertisers. Many articles about online title loans on the internet today have some sort of bias or are simply spun content that make little sense.

This can be incredibly frustrating for borrowers. It is worth the time to find accurate information to help in the decision of whether or not a title loan makes sense. Understanding where the information is coming from can help to determine how close to accurate the information relayed is.

There are usually two different sides of title loan information:

  1. Articles and Information from title loan companies
  2. Articles and Information from title loan competitors
Finding Accurate Title Loan Information online
Information Online about Title Loans can be out of date or inaccurate. This makes it difficult to find reliable, actionable, online title loan information sources.

Information from Title Loan Companies

Many lenders publish articles and content related to online title loans. Some of this is useful, some is not so useful. Often they claim title loans are great and you should get one to get your life back on track. This is obviously to try to generate business.

Some of these articles tend to claim their title loans are the answer to all of your problems and getting instant cash is as simple as clicking a button.

Obviously, this is not always the case. Use your judgement when reading information online.

Useless Content for Search Engines

If you are searching for the best completely online title loan than we’re sure you have run in to quite a bit of this. The other type of articles and content on the internet from lenders is designed for search engines instead of humans.

These include the seemingly illogical articles, with no real subject or point, stuffed with phrases trying to rank for a certain search terms.

These are meaningless long articles with phrases like “If you need a 24 hour title loans place near me, do not worry”. Yes, this is in quotes because it is an actual quote from an article online.

We could go on but we’re sure you’ve run into plenty of these if you’re looking for a decent title loan so we don’t need to. You know what we mean.

When you find something resembling one of these articles we suggest moving on, your time is better spent elsewhere.

Information from Competitors

Competitors to title lenders often do the opposite. Some publish opinion articles that paint online title loans in a very negative light. Many of these articles claim title loans are bad and suggest avoiding them at all costs.

These articles often exaggerate the true cost of title loans to help drive business to their advertisers. This, unfortunately, makes it even more difficult to find the real cost of a title loan and does a disservice to their readers.

The truth is most online publishers have an agenda. Title lenders want you to get a title loan. Their competitors (banks, credit card companies, Payday lenders, etc.) would prefer you didn’t get a title loan, and instead used their services.

This makes it challenging to find factual information, especially for someone new to this type of loan. Try to find some unbiased sources of information and go directly to the title lender to find out their costs and terms.


A completely online title loan with no inspection, no store visit, no credit check, and no phone calls may sound like a convenient option. This is especially true today with more products and services offered online.

An in-person car title loan may also be an option if you have local lenders and are able to easily visit their locations. Before committing to a completely online car title loan make sure to weigh the extra information required versus the convenience of not visiting the lender in person.

Evaluate any additional costs associated with the completely online option. Then, determine if one makes sense for you. Remember that preparation can save time and speed up the loan process. Once decided, always read the loan agreement in full before signing.

If the reason you want to avoid the inspection has to do with a defect in the vehicle, you may want to consider what your long term plan is. Getting any loan without planning on repaying is not recommended.

How do we know about title loans? Learn more about Fast Title Lenders and what makes us title loan experts.

Additional Questions

Can I get a Car Title Loan Online with no Store Visit?

Yes, completely online title loans with no store visit and no inspection are now available in many states. They do have some additional requirements, one of which includes detailed vehicle pictures. In today’s environment the ability to complete a financial transaction like a title loan with no store visit is important to many borrowers.

Are there Instant Online Title Loans with no Phone Calls?

Yes, completely online title loans with no phone calls are available, however, typically a lender will use a short phone call to verify information. If this information can be verified through email, text, or other means, then the need for any phone calls is eliminated.

How is Vehicle value determined for a Title Loan Online without an Inspection and no Credit Check?

Vehicle value is determined by what is called a “virtual” appraisal. The lender will use the vehicle pictures, combined with a vehicle history report, recent vehicle sales data, to assign a value to the vehicle based on this information. To help ensure your vehicle is valued accurately, provide detailed pictures with any other documentation to support its value (service records, aftermarket equipment verification, etc.).