Securing an auto title loan is often a fast solution when you need cash quickly. Title loans can provide immediate funding based on the value of your vehicle.1 But what happens if your car isn’t registered? Whether you’ve recently bought a vehicle, just moved to a new state, or simply let your car registration lapse, you might wonder if you can still use your car’s title to get the money you need.
The good news? It’s possible with us!1
Whether you need a car title loan to use towards paying your car registration or another financial emergency, we are here to help. We can help you get cash in your pocket in as little as one business day.2
In a Nutshell
Getting a title loan without registration does not have to be challenging. While most lenders prefer registered vehicles, some may offer loans with stricter terms or higher interest rates for unregistered cars. With us getting title loans without registration can be as easy as 1,2,3!2
The Basics of Title Loans
Title loans use your car as collateral. You hand over the car’s title temporarily in exchange for quick cash. Car title loans can provide funding up to $50,000, typically ranging from 25% to 50% of your car’s value. Title loan lenders are often more accepting of poor credit because the loan is secured.4 If you fail to repay the car title loan, the lender can repossess your car. Auto title loans are short-term loans and can come with high-interest rates.
Requirements for a Typical Title Loan
To get a title loan, lenders usually require:
- A qualifying vehicle title
- Proof of identity
- Proof of income
- Proof of residence
How to Apply for a Title Loan
We make it easy as 1,2,3 to get a title loan without vehicle registration. Apply online today with no obligations!
- Apply online or at a store.
- Provide the necessary documents.
- Get your car title loan offer.
Importance of Car Registration
Car registration is a critical factor in the title loan process, as it provides proof of ownership and indicates that your vehicle registration is up-to-date with state regulations.
This legal documentation not only confirms ownership but also indicates that the car meets all state requirements for roadworthiness, such as passing safety inspections and emissions tests.
Title loan lenders prefer registered motor vehicles because a registered car typically signals that it is in good working condition and legally compliant with state regulations. This reduces the title loan lender’s risk, ensuring that the collateral (your car) retains its value throughout the loan term.
Moreover, registered vehicles are easier for lenders to repossess and sell if the borrower defaults, making them a more secure asset for the lender.
How It Affects the Title Loan Agreement
A registered vehicle often provides lenders with a higher level of confidence, which can translate into more favorable loan terms for the borrower. When a car is registered, it suggests that the borrower is responsible and that the vehicle is in good condition, reducing the lender’s perceived risk.
This lower risk can result in lower interest rates, longer repayment terms, or higher loan amounts. Conversely, unregistered vehicles may raise red flags for lenders, leading them to impose higher interest rates, demand additional collateral, or offer a lower loan amount.
Situations Where a Car Might Not Be Registered
There are several scenarios where someone may not have vehicle registration, each presenting unique challenges when seeking an auto title loan. If you’ve just purchased a vehicle, the car registration might still be in process, especially if you bought it from a private seller or are waiting on paperwork from the dealership. Similarly, if you recently transferred ownership, there could be delays in updating the registration records with your state’s Department of Motor Vehicles (DMV).
Common Reasons for Unregistered Vehicles
- Bought from a private seller
- Delayed paperwork
- New to the state
Example Scenarios
- You just bought a car, and the registration is in process.
- You inherited a vehicle and haven’t registered it yet.
Expired or Lapsed Registration
If your car’s registration has expired, it can complicate the loan process. Some lenders may still work with you, but they’ll likely charge higher interest or require you to re-register the vehicle first.
Consequences of Expired Registration
- Fines and penalties
- Inability to legally drive the car

Getting a Title Loan Without Registration
Some title lenders are flexible and might give an auto title loan to borrowers with an unregistered vehicle. Policies vary, so it’s essential to check with each title lender first.
Alternatives to Car Registration
If your car isn’t registered, you might be able to use other documents to prove ownership, such as:
- A bill of sale
- A title from another state
- Insurance paperwork
Steps to Take if Your Car Isn’t Registered
Re-registering Your Vehicle
If your vehicle isn’t registered, consider re-registering it before applying for an auto title loan. Ensuring that your vehicle registration is up to date can make the loan approval process smoother. This process usually involves:
- Completing paperwork at your local DMV
- Paying vehicle registration fees
- Providing proof of insurance
How to Quickly and Efficiently Re-register Your Car
- Gather all necessary documents before visiting the DMV.
- Check your state’s requirements online to avoid surprises.
- Consider using a third-party service if you’re short on time.
Costs and Timeframes Involved
Re-registering your car can cost anywhere from $50 to several hundred dollars, depending on your state. The process can take a few hours to a few weeks.
Tips for Finding Lenders Who Might Accept Unregistered Vehicles
- Start with smaller, private lenders.
- Ask about their flexibility regarding unregistered vehicles.
- Compare terms and conditions carefully.
Importance of Comparing Terms and Conditions
When dealing with lenders who accept unregistered vehicles, it’s crucial to compare offers. Look for:
- Interest rates
- Repayment terms
- Hidden fees or penalties
The Bottom Line
Some title loan lenders may accept cars with expired car registration but borrowers should expect stricter terms. Re-registering your car can simplify the loan approval process further.
If you’re struggling to find a lender or need help re-registering your vehicle, we can guide you through the process. Our resources and expert advice can help you secure a title loan today, even with an unregistered vehicle. Fill out our obligation free form online!1
FAQ
What Should I Know About Applying for Car Title Loans?
When applying for car title loans, it’s important to understand several key factors. Title loans use your vehicle as liability, and lenders will evaluate the vehicle’s value and your ability to repay the loan. You should be aware of the following:
- Interest Rates: Car title loans can come with high-interest rates, so compare offers from different lenders.
- Repayment Terms: When you get an auto title loan it is important to understand the repayment schedule and any fees associated with the loan.
- Eligibility Requirements: Check if your vehicle meets the criteria for title loans, including having the title and proof of income.
- Risks: Be aware of the risks, such as vehicle repossession if you fail to repay the loan.
Understanding these aspects can help you make an informed decision and secure the best title loans for your needs.
Can I Get a Title Loan If I Am Unemployed?
Yes, you may be eligible to get a title loan even if you are unemployed.4 We consider many other types of income when looking at an auto title loan application such as:
- Social Security benefits
- Bank Statements
- Disability benefits
- Unemployment benefits
- Retirement or pension income
- Alimony or child support
- Rental income
- Self-employment income
How Do Title Loans Work in Florida?
In Florida, getting an auto title loan is possible. The state regulates interest rates, capping the annual percentage rate (APR) at 30% for the first $2,000, 24% for amounts between $2,000 and $3,000, and 18% for any amount above $3,000.
Borrowers have the right to rescind their loan within 24 hours without penalty, allowing them to return the loan amount and retrieve their vehicle title. Lenders must provide clear written disclosures about the loan terms, including interest rates, fees, and the risk of vehicle repossession if the vehicle title loan isn’t repaid.
Can I Use Other Types of Collateral If My Car Is Unregistered?
Yes, while we do accept unregistered vehicles for auto title loans we also accept other types of vehicle titles such as:
Written by
Crystal Voogd