ONLINE CAR TITLE LOANS
IN WASHINGTON!

How To Get A Title Loan in Washington State

Do you need money today but running out of options to get cash? Premier Title Loans will get you pre-approved for a car title loan in Washington if you have a paid off vehicle and can verify your income! You’ll sign over the car’s title as collateral and keep your car as you make the required monthly payments. A secured loan can be a lifesaver if you have a low credit score, and many customers won’t have to deal with the hassle of a credit check.

You’re probably wondering why you can skip a credit check when applying for a loan, right? With a title loan, your FICO score won’t be a factor in processing the application, as the focus is on the equity in your vehicle. Premier Title Loans gives residents in Washington an instant pre-approval with same day funding options!

Title loans of $2,500 or higher are available in every city and town in Washington, including Tacoma, Seattle, Spokane, and Kirkland. There are numerous local companies you can work with, but you also have the choice to apply online with Premier Title Loans or by calling 800-250-6279. Going with a completely online title loan process allows you to skip past the lengthy meeting time with someone in person and get right to the underwriting!

What Do I Need To Get Approved For A Title Loan in Washington?

Having all the necessary paperwork and vehicle documentation ready to go when you apply for a title loan in Washington is essential. This includes your car’s title that’s completely paid off and proof of vehicle ownership. You must also provide proof of income showing you can afford the monthly payments and proof that your vehicle is registered and licensed in WA. Contact the Washington Department of State Licensing for updated licensing or vehicle info.

A vehicle inspection may be required to verify your car holds sufficient value and has no new damage. Not all lenders will want to inspect the vehicle, but you can get more cash for your vehicle title by meeting with a title loan company near me in Seattle if you have the lender look at your car.

Title Loans In Washington State With Bad Credit

Most lenders will ignore a bad credit score and approve your application for a title loan. However, there are some requirements for borrowing more than $1,000 with a title loan in Washington.  Bad credit won’t be an issue if the vehicle holds value, but there are some cases where a low FICO score may limit the amount of money you can borrow. For instance, if you’ve recently declared bankruptcy or dealt with a repossession, you may be limited to a loan amount of $5,000 or less.

Perhaps you’d like to know if a title loan affects your credit score. It turns out that most title loan payments are reported to credit reporting companies. Pay your loan on time each month, and you can see a positive effect on your credit score! However, if you miss a payment or have your vehicle repossessed, that will negatively affect your credit history.

The Application Process For A Title Loan In Washington

Many of our borrowers are shocked when they find out how quickly they can apply for a title loan in Washington and get their cash. Most of us are used to timelines of a week or longer waiting for underwriting for a personal loan and that’s not the case with a title loan. Since your car’s equity is the main underwriting requirement, we can generally push your loan application along quickly, with the entire process taking just a few hours!

Do you have the title to your car, and can you prove income of at least $1,500 a month? If so, you’ve already checked off the main underwriting requirements, and it should take long at all to get you a detailed estimate. Simply get started with the Premier Title Loans online application or call 800-250-6279 to start things over the phone. There’s no obligation to get a quote and we’ll let you know how much you can borrow and what the terms are for your title loan.

Here in Washington, you can sign off on your contract and complete any necessary inspection requirements on the same day. After that, you can count on a fast funds disbursement within 24 hours through direct deposit or ACH. Do you need cash within a few hours? There may be a chance to get your money from a local lender in Seattle, Bellevue, or Tacoma immediately after the vehicle inspection!

Car Title Loans In Washington – How Much Can I Borrow?

Borrow up to 60% of the vehicle’s value, and that means most applicants with equity in a car worth $4,000 or more can qualify for a title loan of at least $2,500! Your loan amount depends on your lender’s requirements and vehicle type, but you can expect a funding amount of $2,500 to $25,000. Many lenders in larger cities in WA, like Seattle, Kirkland, and Tacoma, will allow you to borrow more money as the vehicle values and cost of living may be a bit higher.

In addition to cars, Premier Title Loans also offers access to title loans for boats, motorcycles and semi-trucks in Washington. Boats and motorcycles have lower loan amounts and average around $2,000, while some semi truck title loans can reach $30,000 or higher. The amount you can borrow isn’t capped or limited, and even for higher loan amounts, you’ll never be required to install a GPS tracker or ignition device in Washington.

Is A Title Loan Right For Me?

Using your vehicle as collateral for a loan is not an easy decision to make and there’s no reason to risk losing your vehicle if you have other ways to borrow money. That’s why you need to take some time to determine whether an online title loan in Washington is right for you.

These secured loans offer flexible repayment terms with no early payment penalties, and there’s no credit check when you have a car or motorcycle valued at $5,000 or higher! Contact Premier Title Loans Today at 800-250-6279 to get started on your application for a car title loan in Washington!