What kind of documents do i need to apply for a car title loan?

The required documents can vary from lender to lender, however, most lenders will require documents that verify your identity, vehicle ownership, and ability to repay the loan. Because of this, it’s important to ensure you have the basic documentation prepared and on hand, if you’re planning to apply for an auto title loan.

What Types of Documentation Are Required to Apply for An Auto Title Loan?

Documents required for car title loan application

While specific requirements may vary depending on the lender and state regulations, here are the typical documents you’ll need:

Clear Title to Your Vehicle

The most crucial document for a car title loan is the clear title to your vehicle. This means that you fully own the vehicle, without any outstanding liens or loans against it. The title should be in your name, and you should bring the physical copy to the lender’s office.

Proof of Identity

You’ll need to provide a government-issued photo ID, such as a driver’s license or passport, to verify your identity. This ensures that you are the legal owner of the vehicle.

Proof of Residence

Lenders often require a proof of residence, such as a utility bill, lease agreement, or any official document with your current address. This helps confirm your contact information and where the vehicle is located.

Vehicle Registration

Your vehicle’s registration serves as another form of verification for ownership. It confirms that the vehicle is legally registered in your name and within the state.

Proof of Income

Lenders typically require proof of income to assess your ability to repay the loan. This could include recent pay stubs, bank statements, or any other documentation that demonstrates your monthly income.

Vehicle Insurance

Some lenders may require you to have comprehensive and collision insurance coverage on the vehicle. This protects their interest in case of accidents or damage to the vehicle.


Lenders might request a list of references, including names, phone numbers, and relationships. References are typically contacted if the lender is unable to reach you or if there are issues with loan repayment.

Keep in mind, some lenders might have additional requirements or ask for specific documents based on their policies and the state’s regulations. Before applying for a car title loan, contact the lender and inquire about their documentation requirements to ensure a smooth application process. During this process, providing accurate and honest information is essential to secure a car title loan.

Find Out if You Qualify

At Fast Money Car Title Loans, we can connect you with a local reputable lender who can provide a fair car title loan based on the value of your vehicle and other factors. We take great care in vetting the lenders in our network to ensure you work with one that offers you the loan you need, with reasonable terms and payment options.

To learn if you qualify for a car title loan, fill out the form on this page to get started. Our customer service staff will respond promptly to answer any questions and connect you with lenders that can help you secure the loan you need, as quickly as possible.