What Vehicles Can I Use To Get a Title Loan?

What Vehicles Can I Use To Get a Title Loan?

When applying for title loans, borrowers use vehicle titles as collateral to access funds even with poor credit history. You can borrow a certain amount of money based on the appraised value of your vehicle. Here are some vehicles you can use to get this loan:


Most title loan lenders accept cars, such as sedans, sports cars, hatchbacks, and coupes, as collateral. To qualify for a title loan, you must own the car outright, meaning there are no existing liens or outstanding loans on the vehicle.

The lender will require a clear title indicating that you have full ownership. Some lenders may have restrictions on the age and mileage of the car to minimize the risk of depreciation and issues with older or high-mileage vehicles.

If your car is in good condition, you might qualify for a higher loan amount since the vehicle implies a higher market value.


Personal and commercial trucks, including pickup trucks, SUVs, and vans, may qualify for title loans. Lenders may evaluate trucks’ payload capacity and towing capabilities for commercial value. Vehicles with higher payload and towing capacities may command a higher market value, increasing the loan amount.

Trucks with four-wheel drive and off-road capabilities can also increase the loan amount. Well-maintained trucks with minimal wear and tear will likely qualify for and increase their value. To determine its condition, lenders check the truck’s maintenance history, including regular servicing and repairs. 


Lenders may accept various types of motorcycles, including cruisers, sports bikes, and touring bikes. They conduct an appraisal to determine the motorcycle’s market value, which influences the loan amount.

Some lenders factor in the brand and model recognition, and popular or well-known brands can also affect their market value.

Lenders can assess the engine’s condition, brakes, tires, and overall functionality to determine if the motorcycle qualifies for a loan. During the loan period, some lenders may require motorcycle insurance.

This helps protect the lender’s interest in the collateral and enhances coverage in case of accidents or theft.

Recreational Vehicles (RVs)

Some lenders can accept recreational vehicles, such as motorhomes, campervans, travel trailers, and fifth wheels as collateral. The RV must be in good operational condition to qualify for this loan. To determine eligibility, lenders assess the condition of the engine, living quarters, appliances, and other components.

Lenders may inquire about the intended use of the RV, whether it’s for recreational purposes or as a primary residence. Title loan lenders view recreational use as lower risk, resulting in a higher loan amount and more favorable terms. Using an RV as a primary residence could raise concerns about continuous wear and tear and maintenance issues, which can reduce the loan amount.

Apply For a Title Loan 

When applying for a title loan, borrowers provide documentation, including a government-issued ID, the vehicle’s clear title, proof of income, and proof of residency. After verifying ownership paperwork, lenders approve the loan and retain the title until you repay the loan. Contact a reputable lender to inquire about the loan terms and conditions.

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