person counting money from cash loan

How To Get Cash Loans On Car Titles In Idaho

Facing a financial roadblock? You can get cash loans on car titles, and still use your car while you’re paying it back. It’s a fast and convenient way to raise emergency money—in fact, you can get a loan today!

Here’s what you need to know about cash title loans, and the easiest way to get cash loans on car titles in Idaho.

Can I Use My Vehicle Title To Get Cash?

All financial institutions need some kind of guarantee that a person will pay off a loan. After all, you wouldn’t lend your money to a complete stranger; you’d consider his background and ability, or ask for proof of future payment.

That’s why banks will check credit reports and set minimum credit scores. These show your history of paying off loans, the amount of debt you currently have, the kind of loans you’ve already taken, and how long you’ve been using credit. This helps measure your “creditworthiness.”

But there’s another way to back up your loan, and that’s to use property as collateral for the loan. You don’t give up your property, you just use it as a “sign of good faith” that you are serious about paying it back on time.

That’s how cash loans on car titles work. You use your vehicle title as security, and to formalize the agreement the lender places a lien or legal claim on it. You can keep using your car as long as you honor the payment schedule, and when you’ve paid back the loan, the lien is lifted.

cash loans on car titles idaho

Can I Use Any Vehicle As Collateral?

You can use a car or truck to get cash title loans, as long as it meets the following conditions.

  • You are the legal owner of the vehicle. It would be dangerous if anyone could take a title and use it as collateral. That’s why the law is strict about proving ownership: your name has to be on the title, and you have to present a government-issued ID with your photo. If the title is not in your name, or if you share the title with other people, you will have to go to the DMV to get it transferred.
  • The title is lien-free. You can’t use a vehicle for collateral for two loans at the same time, or have multiple claims or judgments on it. So, the title has to be “clear”. You can check if your vehicle has existing liens through your county recorder’s office or through third-party search websites.
  • The vehicle is fully owned and paid for. If you’re still paying off your car loan, the bank still has a lien on the title, so it can’t be used to get a loan.

If your vehicle meets these requirements, then you are definitely eligible for cash loans on car titles. Because all credit types are welcome, you can apply even if you have bad credit, or are unable to present income or employment documents.

What’s The Fastest Way To Get Cash Loans On Car Titles In Idaho?

Through Idaho Title Loans, Inc., you can start your title loan request online, then complete the rest of the process at the branch in less than 30 minutes. Just follow these steps and you’re on your way to getting the money you need!

Contact Us

You can either check the directory to find the contact number of the nearest branch or fill out the online form to request a call. Rest assured that your information will be kept confidential and that we will only use it to contact you so we can help with your loan request.

thumbs up for car title loans in idaho

Chat With Our Loan Representatives

Our loan representatives are here to help you through every step of the loan process! He or she will explain cash loans on car titles, the requirements, and what you can expect during the approval process. You can ask any questions you have at any time.

The loan representative will also book an appointment for you at the branch so you don’t have to wait in line.

Visit The Branch

Bring your vehicle title, valid government-issued ID, and your vehicle for inspection. When you arrive a loan representative will quickly go over your items and then inspect your vehicle to find out the loan amount you qualify for.

You can expect this appointment to take less than 30 minutes—and that includes discussing the loan terms and signing the final loan agreement. If the loan is approved, you get the money the same day or the next business day.  

Apply For Cash Loans On Car Titles

Are you interested in getting a vehicle title loan using your car title, or do you have questions about your eligibility and how much you can borrow?

No matter the reason for your inquiry our Idaho Title Loans, Inc. reps are ready to help. Contact us for more details 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.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.