Can I Get a Title Loan Without a Vehicle Inspection?

Why is a Vehicle Inspection Required for a Car Title Loan?

Title loan lenders will need to verify the vehicle’s condition before they can offer you a potential loan amount during the approval process. Since car title loans allow you to secure funding by using an asset as collateral, your asset must have its value considered and verified. 

That is why a vehicle inspection is so important during the approval process for a car title loan. During the vehicle inspection, these factors are looked at:


Regarding two different cars, what will be worth more: a 2018 Honda Civic or a 2018 BMW M4? Some brands, makes, and models will hold more value on the market. 

Vehicle Features and Modifications

Some modifications to your vehicle can add value! However, others may not. If you have specific vehicle features or packages, like a sunroof or leather seats, that can also add value to your car.  

Exterior and Interior Condition

The most important factor that can affect your car’s value during a vehicle inspection is the current exterior condition of the car. The less damage on your car, the better! Even if it is just cosmetic damage, it still affects your vehicle’s current condition and value. That could be an extra $2,000 or so in terms of value! 

Mechanical Condition

You should keep your vehicle in good condition and get oil changes often. It helps to increase the lifespan of your vehicle! 

Mileage on the Odometer

The number of miles you have on your car’s odometer matters! The less a car has been driven, the better condition it may be in. It is no secret that the lower the mileage on the odometer, the more value a car may have. However, cars with more mileage can still potentially qualify for a car title loan! 

All of these factors contribute to the vehicle’s value and are considered during the vehicle inspection. 

How Can I Get a Title Loan Without a Vehicle Inspection?

Now that you know more about vehicle inspections and why they are required, you may wonder- how is it possible to get a title loan without a vehicle inspection? You cannot get around this requirement. However, you can access a title loan option that allows you to bypass an in-person inspection!

With title loans serviced by LoanMart, the inquiry process was made with your convenience in mind. That’s why you can opt for an online vehicle inspection instead! Just submit a few photos of your vehicle in clear lighting. During the approval process for a car title loan, you will need to provide these photos to a title loan agent:

  1. The Back, Front, and Sides of the Car
  2. The Inside of the Car
  3. The Mileage on the Odometer
  4. The VIN (Vehicle Identification Number, often located on the Driver’s Side Door Panel) 

With these photos, a title loan agent can verify your vehicle’s condition, without the need to bring it to a location! Take advantage of a car title loan with no vehicle inspection today. 

What Do I Need to Get a Title Loan?

Now that you know getting a title loan without a vehicle inspection is impossible, you may wonder what else is required to secure funding from a car title loan. The answer is that there are a few other documents that are necessary! You will need to submit the following documents:

  • Proof of Income or Alternative Income
  • Proof of Residence in Your State
  • Car Title in Your Name
  • A Valid Government or State Issued ID

In addition to those documents, the initial requirements for a car title loan are that an applicant must be at least 18 years of age and have a car title in their name at the time of inquiry. Additionally, a borrower must demonstrate that they can afford to repay the loan through a form of steady income! 

With all of these documents and initial requirements met, applying for a car title loan can be a breeze! 

Apply for Online Title Loans Without a Hassle

With just a few requirements met and the photos of your car handy, applying for a car title loan online can be hassle-free! Just make sure to have your documents on hand before applying so the process can go as quickly and as smoothly as possible. 

Just visit the website to learn more about online car title loans without a vehicle inspection today! Or, call a title loan agent to learn more.