No Inspection Title Loans
We offer same day approval and quick funding for online title loans without having to visit a store. Get your loan processed and underwritten completely online with a video inspection of the vehicle.
Online Title Loans Without An In-Person Inspection
Express Car Title Loans now offers access to cash from title loans without inspection. Unlike a typical title loan, you won’t need an appraiser to check out the vehicle, and most lenders allow you to do everything online and get your money that same day. Some lenders always require an in-person inspection, but this is not as common as it used to be, and we can sometimes approve your application with an entirely online process. Let’s explain why and detail how you can get cash for the equity in your car without a mandatory in-person visit.
How To Get An Online Title Loan With No Inspection
It’s easy to get an online title loan with no inspection, and all you need is a lien-free vehicle. You need to show income verification and proof that the vehicle is registered and in your name, but the best part is that you don’t need to have your car inspected in person. These loans are underwritten entirely online, and the vehicle’s resale value is confirmed by you sending photos or videos of the vehicle’s exterior and interior. With those images, the lender can verify the car’s current condition without you having to meet face-to-face with a vehicle inspector.
Remember that title loans with no inspection typically have higher financing rates than regular online title loans. That’s because your lender is taking on extra risk by not requiring an inspection and instead focusing on the perceived equity in the vehicle. They may ask for a credit check, which will be secondary compared to visual proof of your car’s condition.
Each state has laws and regulations regarding title pawns, so check with your local lending office to see what options are available. In some states, there’s no getting around the mandatory vehicle check-up when transferring a title. Other states outright ban secured loans, so even if you were to have the vehicle inspected, it doesn’t matter because you can’t use your car as collateral in those locations.
Why Do Most Lenders Require An In-Person Vehicle Inspection
The main reason car title loan companies require a vehicle inspection is to protect their investment. By having a trained professional inspect the car, they can catch any issues affecting the vehicle’s value down the road. Inspecting the car allows a finance lender to avoid excess risk by confirming the car exists and also lets them check for detailed damage. Remember that you will always need to complete an inspection for 2nd lien title loans and other less common secured lending options.
Other Ways To Get A No Inspection Title Loan
Most lenders don’t advertise this, but some companies will allow you to bypass an in person inspection as long as you can show proof that you have the car in your possession and that it runs and looks as described. This can be validated through pictures or videos. Some examples include:
-A 1 to 2 minute video of the vehicle that shows all angles of the interior and exterior.
-Pictures of the car’s VIN
-A video showing the car starting up
-Images or other proof of the car
The above methods can help you avoid an inspection, but sometimes, a lender only approves your application with an in-person inspection. It’s always better to try to work something out with the lender rather than risk having your loan application denied outright.
Documents & Other Proof Needed For Completely Online Title Loans No Inspection
Generally, you should count on a video requirement of 1 to 5 minutes long with the title loan company requesting a video of the car starting up and driving. The same goes for lenders that allow you to submit photos of the car to show it’s worth the current resale value. Try to include shots of the front and back of the vehicle, the engine compartment, and, of course, the current odometer readings.
Apply for an online title loan with no inspection required, or try to work something out with your lender so that you can provide proof of your car without having to go through a formal inspection process that we often see in many states.
Benefits Of An Online Title Loan With No Inspection
Online title loans without a car are great for anyone who wants to avoid the hassle of driving to a lending location for a vehicle inspection. It can take time to schedule an appointment, and sometimes you live too far away to meet with your appraiser during a time that works for you. With our loans, you can usually get an answer on your loan within 24 hours or less, and even though the funding amount may be smaller without inspection, it will still be quicker.
Online Underwiting And Verification With Express Car Title Loans
There’s no need to apply with multiple companies, as Express Car Title Loans is a state-licensed lender and we fund vehicle-secured loans directly. So, if you’re looking for an entirely online loan, you can save yourself the hassle and focus on a company with good reviews that doesn’t always require an in-person vehicle inspection. We have agents available almost every hour of the day, and just because you’re applying after hours or on the weekend doesn’t mean we can’t underwrite and fund your loan.
Contact Express Car Title Loans at 888-864-7180 anytime you’re ready to get started on a no-inspection title loan. We offer this type of loan in California and Arizona, and our goal is to get you approved and funded without a lengthy in-person vehicle inspection.