FAQ 2017-08-15T17:47:00+00:00

Frequently Asked Questions

Keeping our customers educated and informed about car title loans and title pawns.

We’re not like other title loan service providers because we work with a network of lenders to provide our customers with the best interest rates and loan terms for their title loans.  In our experience working with a vast customer base, we’ve answered hundreds of questions, and we detail the most common here.

Have other questions?  Give us a call at 844-567-6042.  Ready for your title loan?  Click on your state to learn more or fill out the form below!

Can I get a title loan on a motorcycle? 2017-05-23T19:44:28+00:00

Yes, title loans are available for motorcycles, and the requirements are mostly the same: a clear title with your name on it, a government-issued photo ID, and proof of your income.

Can I use my vehicle during the term of the loan? 2017-05-23T19:44:08+00:00

You can absolutely keep using your car, truck, or motorcycle!  If approved, you get the cash, and you keep driving your vehicle.

Are title loans available in my state? How much can I borrow? 2017-05-23T19:43:34+00:00

Title loans and title pawns are available in the states listed in our service areas page. The maximum and minimum loan amounts vary by state. If approved for a title loan, the amount you can borrow will depend on your income and the underwriting criteria the lenders use.

Why does my state offer title pawns instead of title loans? 2017-05-23T19:42:03+00:00

Title loans and title pawns are essentially the same things with similar requirements.  Some states, such as Georgia, only allow title pawns.

What is a title loan? 2017-05-25T20:42:29+00:00

A title loan or title pawn is a loan where you use a vehicle title as collateral in exchange for the loan amount.

How will I know if I am approved? When will I receive my funds? 2017-05-23T19:49:15+00:00

The lender you are referred to will let you know right away once you complete the application and provide the necessary documents.  You will usually receive your funds shortly after.

Are there any costs to apply for a title loan? 2017-05-23T19:48:50+00:00

Although this depends on the lender to which you are referred, there are generally no costs to apply for a title loan.

I have two vehicles. Can I get one title loan based on both? 2017-05-23T19:48:29+00:00

Unfortunately, you can not.  You can only use one vehicle per loan.

Can I get a title loan if the vehicle is in someone else’s name? 2017-05-23T19:48:10+00:00

The person named in the title will be the only person able obtain a title loan or credit services using that title as collateral. If you recently bought your car and the title is not in your name yet, you will need to have the title transferred at your county’s tax office before you can use that title as collateral for a title loan.

What if there are two or more names on the title? 2017-05-23T19:47:44+00:00

Titles with two names are generally accepted. Both people must be a part of the process and agree to the loan. The lender you are referred to will give you their specific requirements.

Is it necessary that the vehicle be titled in my state of residence? 2017-05-23T19:47:09+00:00

You can receive a title loan if your vehicle is titled in another state as long as your reside is in the state you choose for your loan application.

What if I lost my title? What should I do? 2017-05-23T19:46:44+00:00

You will need to produce a title to be eligible for a title loan or title pawn. Getting a new title should be easy if you’ve lost it.  Just call your local counties tax office.

Does my vehicle need to be fully paid off? 2017-05-23T19:46:23+00:00

Yes, your auto needs to be fully paid off and free of liens.  This includes sales tax liens.

Do I need to be employed? Can I be retired? 2017-05-23T19:46:03+00:00

You do not need to be employed, but you do need to have some verifiable income. You may be self-employed or receive income from a source, but the lenders we work with will require that you have the ability to repay your loan. You can be retired or on disability. The key here is to have a source of income to verify that you have the ability to repay the loan.

How do I apply for a title loan? 2017-05-23T19:45:32+00:00

Applying for a title loan with In & Out is fast and simple.  We only operate online, so we service all areas of the US where title loans are allowed by law.  To apply simply fill out the form at the bottom of our page and we’ll take care of the rest!  What to talk to someone?  Give us a call at 844-567-6042.  We accept many types of titles, including original titles, salvage titles, certified copies, and titles that have released liens signed off by another lender.

Give us a test drive!

Give the experienced team at In & Out Title Loans a chance to earn your business.  If you need a car title loan or title pawn, you’ll be partnering with the best.  Fill out the form below today and let us get to work for you.