How to get a Title Loan without the Car

posted in: Title Loan Information
Get a title loan without the car

Car Title Loans are secured loans that use the vehicle as collateral. One of the key title loan requirements is the vehicle. Is it possible to get a title loan without the car? Yes, you can get a title loan as long as you own the vehicle and have a lien free title. The real question is can I get a title loan without bringing the car to the lender? The answer is yes; if you own the vehicle and have access to it. You will need to apply for, and be approved for, an Online Title Loan.

Title Loans That Don’t Require the Car

To get a title loan without the car you will need to get an online title loan that does not require a vehicle inspection. These are sometimes called “completely online title loans” or “no inspection title loans”. You still need to own and have access to the vehicle, although you will not need to drive the vehicle to the lender.

Online Title Loans without Vehicle Inspection

Some Online Title Loans do not require a vehicle inspection. Instead of an inspection, the lender requires pictures of the vehicle to assess its value. You will, however, need access to the vehicle to take these pictures. The lender will also check the vehicle history.

Online Title Loans without Seeing the Car

Completely online title loans with no store visit can require a third party appraisal. To get a title loan without the car, you will need an online title loan with no inspection, which do not require seeing the car. They do, however, require vehicle pictures. So the question is what is the reason for wanting a title loan without seeing the car? If the answer is because you cannot drive the car to the lender, then pictures will suffice. If it is because of damage to the vehicle that you would prefer the lender not see; well this is not advisable.

Getting a Title Loan without the Car – Process

The first step to getting a title loan without the car is to apply. This is done online, you can apply online with most lenders and in a few minutes with Fast Title Lenders with our easy online application. The first part of the process is very easy and requires filling out a simple form with basic information about you and the vehicle.

Providing Required Information

Once you apply online, you will be asked to provide additional information about the vehicle. The reason: because you are getting the loan without the vehicle, the lender needs to have enough information to provide an accurate value. This is usually done by performing an appraisal. Without the vehicle, the lender is making a title loan without seeing the car. This makes assessing the value of the vehicle a bit more difficult and requires pictures of the vehicle. This includes the exterior, interior, odometer, and VIN number.

Risks and Benefits of Title Loans without the Vehicle

There are benefits and risks associated with a title loan where you do not provide the lender with access to the vehicle. The benefit is not having to visit the lender with the vehicle. If it is a vehicle you rarely drive or is in storage, then this is a major convenience. The risk is the lender may charge a higher rate due to the increased risk to the lender involved with not seeing the vehicle. This is why pictures are so important with no inspection title loans. The more detailed pictures you have, the better. If you can visit the lender or a third party appraiser, a traditional car title loan may be a better option.

How much do Online Title Loans with no Inspection Cost?

The costs of a title loan are directly dependent on the lender. The lender sets the interest rate and fees, and all lenders are different. As mentioned, a title loan without the vehicle may increase the interest rate to account for increased risk by not seeing the vehicle. Before getting a title loan or online title loan, it is worth learning how title loans work and how title loan interest is calculated. You can also use our title loan calculator to get a full payment schedule and compare costs of different rates.


Can you get a title loan without the vehicle? The answer is yes if you own the vehicle, have a lien free title, and have access to the vehicle. If you do not have access to the vehicle and cannot take pictures and verify the condition of the vehicle, getting a title loan will be very difficult if not impossible. Completely online title loans with no inspection are available, although they do require you own and have access to the vehicle.