How Do I Get a Title Loan Online?

March 2, 2021 | Louis Tully

get a title loan online

If you’re in a pinch and need money urgently, the first idea that may come to your mind is taking out a bank loan. However, before you do apply for it though, do think it twice – is it really your only option? After all, interest rates for traditional bank loans can be higher than alternatives, plus, it’s really hard to qualify.

Having a great number of advantages, online title loan with no store visit might be a good potential alternative to bank loans, even if your credit score is low or non-existent. The process is really easy and straightforward, and you can get your cash in as little as 30 minutes.

Before applying though, it’s a good idea to know the circumstances in which a title loan online can be a real lifeguard.

When Should I Get a Title Loan Online?

The first thing you need to know about is that title loans aren’t meant for frivolous expenses, and using the title loan cash for things like shopping may cause you more problems rather than benefits in the future.

Get a title loan online to cover an unplanned expense you haven’t budgeted for or a planned expense you cannot skip. For example, your car engine stopped working while you need to go to and back from work every day.

Or say, for instance, you wake up one morning to find out that the last night’s storm destroyed the roof of your house. These are what we call urgent expenses, and that’s exactly what title loans can help you with.

The same goes for sudden health issues of your family members or pets – it is better to visit a doctor/dentist now and shell out the money immediately versus spend more on it later when the problem grows bigger.

It’s also a good idea to get a title loan online if your paycheck has shrunk or got delayed, and you need to deal with immediate expenses, like rent or utilities.

All in all, make sure the decision you’re making is informed. How much money do you need? Have you exhausted other options?

If you’ve considered all the aspects – then yes, you should get a title loan online.

Woman applying for a title loan online

How Do I Get a Title Loan Online?

As mentioned above, the process is pretty easy and straightforward.

If you are a Delaware resident, you only need to satisfy a few requirements to get a title loan online:

  • you need to be of legal age (at least 18 years old),
  • possess a car
  • have a lien-free title with your name on it.

That’s literally it!

Unlike more traditional financial institutions (say, banks), Delaware Title Loans, Inc. won’t be asking about your credit history – as long as you satisfy the requirements listed above, you’re eligible for the loan, even if your credit score is bad (or even nonexistent). That’s one of the best advantages of online title loans in Delaware.

So, the first thing you need to do is ensure you’ve got all the required items secured. After you do that, you can start the application process.

To Get a Title Loan Online, You Need to:

1. Fill out an Online Form

The short inquiry form is located on the top left of our website. As soon as you fill it out, it will be sent to the nearest store location letting us know that you are interested to co-operate with us.

2. Answer Your Phone When the Representative Calls

Keep in mind that it will only take a few minutes for the loan representative to look over your information on the form. You will be contacted within a few minutes, so, make sure you’ve got enough time to talk to our rep, answer some questions, and ask yours.

3. Carefully Listen to the Instructions

During the phone call, our loan representative will give you instructions on what the entire process looks like, what to do next, and what papers to gather. He/she will also schedule a face-to-face meeting with a verification agent at the nearest store location.

4. Go to the Meeting Fully Equipped

Make sure you go to the meeting on time and you have everything you need:

  • Your car to be inspected;
  • Your title – in your name, and completely lien-free (meaning there are no outstanding loans or judgments against it);
  • Your government-issued photo ID – to prove you’re at least 18 and the car title is in your name.

Woman happy about cash

5. Finalize the Process by Signing Some Papers

The loan representative will perform a quick inspection of your vehicle as well as review your documents to see how much cash you qualify for. When approved, you’ll need to complete simple paperwork.

6. Get Your Title Loan Cash

And you’re done! If approved, you get the cash you qualified for the very same day.

The entire application-approval process for online title loans in Delaware lasts on average around 30 to 45 minutes.

Getting a title loan online is easier than you imagine with Delaware Title Loans, Inc. So, what are you waiting for? Start your process today!