Your car title is one of the most important documents you own. It legally proves that the vehicle belongs to you. Without a car title in Delaware, you won’t be able to register, sell, or take out a car title loan using your vehicle.
Needless to say, it’s important to get a car title if you don’t have one already or yours has been stolen. If you don’t have a title or need a replacement, follow this guide to learn how to get a car title in Delaware and what to do if you need to transfer ownership.
Why Is A Car Title Important?
Before we dive into the ‘how’, it’s important that you understand why car titles are a necessity. Simply put, the car title proves ownership. It includes information about the vehicle itself, its seller, and its owner.
If you register, sell, or take a loan out on the vehicle, you will need a title that is in your legal name. Otherwise, you won’t be able to use the vehicle as you see fit. With that out of the way, if you ever need to take out a car title loan, the title must be lien-free and in your name.
How to Get a Car Title in Delaware
Getting a car title when you first purchase your vehicle should be easy, but the process will vary based on where you’re buying the vehicle and how you are paying for it.
Buying From A Dealer, Agency, or Some Other Organization
If you’re buying a brand new vehicle, the dealer, agency, or seller will forward the paperwork to your local DMV in order to get you the title for your new vehicle. There’s very little you need to do during the process.
Buying From An Individual
If you are purchasing a vehicle from an individual, the process is slightly different. For example, let’s say that the seller has already driven the car themselves and so you are purchasing a used car. In this case, the current seller will sign the title over to you, proving that you are now the owner.
Buying The Car With A Loan
If you finance the vehicle, the lender (lienholder) will hold onto the title until the loan is paid off. You won’t receive the official car title in Delaware until the lien is removed. In the meantime, you may request a duplicate title for record-keeping.
Tip: Once you’ve paid off your car loan, be sure to request a title release from your lender so you can get a lien-free car title.
How to Get a Replacement Car Title in Delaware
Sometimes, you may need to apply for a car title replacement or duplicate. This happens if you misplace your title or if it gets stolen outright. Getting a title replacement is different from getting a car title since you already have the vehicle but not the title itself.
To get a car title replacement, fill out the form MV 213 at your local Delaware DMV. You will also need a minimum of $50, but you might need an additional $55 if you are applying for a lien release specifically. Talk to your local Delaware DMV to find out specifically what you will need in order to fill out this form.
How To Get A Car Title Transferred To My Name
If you need to get a car title transferred to your name, go to your DMV and fill out the odometer declaration. The seller must sign, date, and time the form as well. Talk to your local Delaware DMV for further information about getting the title transferred into your name.
How to Use a Car Title for Fast Cash
Your car title isn’t just a proof of ownership—it can also help you get fast cash through a car title loan. If you need emergency money, you can use a lien-free car title in Delaware to qualify for a car title loan without giving up your vehicle.
What Is a Car Title Loan?
A car title loan allows you to borrow money using your vehicle as collateral. The process is fast, and you can continue driving your car while repaying the loan.
- Car Title Loan Benefits:
- Fast Approval – Get approved within minutes.
- Keep Your Car – Drive as usual while repaying the loan.
- Flexible Repayment Options – Choose a payment plan that works for you.
How to Get a Car Title Loan in Delaware
Applying for a car title loan in Delaware is simple. Follow these three steps:
1. Fill Out an Online Inquiry Form
Go to the Delaware Title Loans, Inc. website and complete a short car title loan inquiry form.
Click here to find a title loan location near you!
2. Gather Your Required Documents
To qualify, you’ll need:
- A government-issued ID (driver’s license or state ID).
- A lien-free car title in your name.
- Your vehicle for a quick inspection.
3. Sign Your Agreement and Receive Your Cash
Once approved, review the loan terms and sign your agreement. You could receive your funds within 24 hours!
Tip: Apply early in the day to avoid bank processing delays.
Apply For A Car Title Loan Today
If you don’t have a car title, it’s important to know how to get a car title in Delaware. Follow the steps above to get the appropriate documentation to prove the vehicle belongs to you.
Once you have a lien-free title in your name, you can use your car title to get a car title loan. To apply, head over to our homepage and fill out the online inquiry form. As soon as you click submit, a nearby representative will give you a call to walk you through the rest of the application process.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
