Can you get a title loan without the car being registered or with an expired registration? The short answer is: Yes. While it may be more difficult to get approved if you don’t have active registration from the DMV, it’s still possible if you meet all the other requirements. Read on to find out what you’ll need to pull it off.

Title loans with expired tags have loan amounts that start at $500, and some lenders will offer up to $10,000. These loans allow you to get a quick cash infusion to handle whatever your situation may be, using the equity in your automobile as collateral for the lender just in case you don’t repay the loan.


Can You Get A Title Loan Without The Car Being Registered?

The good news if your tags are expired, but you own the vehicle free and clear, is that you can get a title loan with expired registration as easily as you can get a title loan with registration. You’ll just need a few other things like the title and proof of income for your loan application.

Title loans may be worth it to some borrowers for two main reasons. If your credit score is low, title loan lenders don’t usually take your credit history into account. Secondly, you can get a title loan approved very quickly. But what about if you have a car that doesn’t have current tags or a vehicle that you need to renew the registration.

Not every state allows car title loans and that means if you live in New York or Colorado you can’t get a title loan or registration loan, regardless of whether your vehicle is registered or not.. But if you live in a state that allows you to take out loans using your car, truck, or SUV as collateral, the good news is you can get the cash you need without the up-to-date vehicle registration if you hold the title.

  Here’s what you will need to bring with you to get a title loan without registration:  
  • You’ll need a vehicle with a title in your name. Even without the registration, so long as you have the title in your name that shows you own the vehicle.
  • You’ll need a valid government-issued driver’s license or proof of ID so the lender can verify your name, age, and address.
  • You’ll need some proof-of-address like a utility bill or bank statement with your address on it if it does not appear on your valid government-issued ID card or driver’s license.
  • You’ll need to bring proof-of-income like pay stubs, alimony or annuity statements, or bank statements that prove you can pay back the loan.
  • Recent photographs of the outside, interior, and under the hood of your vehicle, plus take a picture of the odometer so the lender can get the mileage.
  Renew your expired tag to get a title loan without registration.  

Title Loan With Expired Registration

You can get a title loan without the car being registered just as easily as you can get a title loan with registration. As long as you hold the title to your vehicle, you can use it as collateral to secure the loan. So if you want to take out a loan on your vehicle, here’s what is required:

  • You must be 18 years of age or older and have proof of age like a valid driver’s license or photo ID. Only adults can apply for title loans in any U.S. state.
  • You must have a lien free vehicle and hold the title to your vehicle in your own name. If you are financing a vehicle but have a certain amount of equity built up in it over your remaining loan balance, some lenders may work with you.
  • You must have enough equity in your vehicle for the lender to find it suitable as collateral for the amount of the loan you would like to take out with them.

So if you own your car, truck, or SUV, but it’s a junker, it may not be loan-worthy collateral. Many consumers have asked “Can I get a title loan online if I have expired registration?” Would you buy a car online sight unseen? It would be just as risky for a lender to loan against one as collateral. If you are able to find a lender that will work with you online, they might ask you to send photos of the vehicle’s exterior and interior, odometer, and VIN.

  • You must have proof of income with valid vehicle registration to show you have some way of paying back the loan. That doesn’t necessarily have to be wage or salary income from employment. If you have a regular annuity from a pension or worker’s compensation, for example, bring some official form proving the income amount to the loan office. For some lenders, bank statements showing a history of income that meets their requirements will work.

Title Loans Without Registration From Express Car Title Loans

The bottom line is that you can get approved with Express Car Title Loans even if you have expired tags or no active registration. We’ll first recommend that you go to the DMV and renew the registration as that’s the quickest way to get approved if you don’t have current tags. However, if you can’t afford to get up to date registration or if you don’t have the time, feel free to reach out to us at 888-864-7180 and we’ll do our best to get your application across the finish line!

  People shaking hands after getting new tags on their vehicle.