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How Can I Tell If My Car Title Is Clear vs. Clean?

Bring your Clear Title to Get a Short-Term Loan in Kansas City

There’s only a one-letter difference between clear and clean, but when it comes to getting a car title loan from Midwest Title Loans, one will help you much more than the other.

Let’s officially end the confusion about the differences between a clean automobile title and a clear car title, so you know what you should bring to our office so we can help you when you need money now.

What is a Title Loan?

First things first! A title loan is a short-term loan you can take out based on the value of the vehicle you own. Title loan companies in Kansas City, like Midwest Title Loans, evaluate your vehicle, your monthly income (and ability to repay the loan), and the amount of money you’re requesting, to determine whether you can get cash fast.

If you’re approved for a title loan – and most people are – you can leave our office with your money and car keys in your hand! Why are most people approved? Because we don’t believe in checking your credit history.

car title loans

We think if you need money to pay an unexpected bill or make an important purchase, you should be able to get financing for that. Instead of reporting to credit bureaus and checking your score, we simply consider your ability to repay the loan based on your monthly budget.

What is a Clean Car Title?

Have you ever used the slang word “clean”? Then you know what it means in that situation: in good condition, slick, or perfection, right?

That’s similar to what a car insurance company considers a clean title! A car with a clean title means the car has never been totaled, according to an insurance company. Cars without clean titles are sometimes called salvage cars, or are said to have branded titles. When a car is totaled or given a salvage title, it means the damage to the car after a wreck would cost more to repair than the value of the vehicle.

When you’re looking to buy a used car, you probably want to find one with a clean title because it most likely means the car you’re getting is structurally safe.

While a clean car title is obviously important in the long run, a clear car title is what gets you money when you need it!

What is a Clear Car Title?

A clear car title is one that doesn’t have a financial lien against it, preventing the vehicle from being sold. A car title is not clear if you owe money against your vehicle, like if you’re making payments or have other current title loans. A vehicle without a clear title doesn’t fully belong to you until you’ve paid back lenders or other third parties who can claim ownership.

However, just because your car title isn’t clear doesn’t mean it will completely disqualify you from another type of short-term loan from us! Without a clear title, you could still qualify to receive a different type of cash loan from Midwest Title Loans. A car title loan, however, depends on the amount of money you need, the total value of your car, and whether you have other loans on your vehicle. You must have the title in your possession, and it also must be in your name.

And let’s go back to clean titles for a minute. Can you get a title loan on a salvage car? The answer is yes, it is possible, depending on your specific situation. Even if you’re seeking a title loan with a salvage car title, it’s worthwhile to inquire with us in one of our four locations in the Kansas City metro about whether you might qualify for a short-term loan. You only need to be able to drive it to us for evaluation as part of the loan process.

How Do I Get a Title Loan in Kansas City?

Getting a car title loan in Overland Park, KS is a simple process. As long as you’re 18 years or older, anyone looking for quick cash in Gladstone, MO or Kansas City, KS can qualify for a car title loan.

To apply for this loan, bring:

  • Your vehicle and its lien-free or “clear” title in your name
  • Your government-issued photo ID
  • Your latest pay stubs

We’ll ask that you fill out a short application before we do a quick evaluation of your vehicle. Then, we’ll issue a title loan based on the value of the car and your ability to pay back the loan. You drive away in your vehicle with your keys, while we hang onto your title.

All our short-term loans in Kansas City are based on a 60-day renewable contract. You have the option to renew your account for 60 days simply by paying the interest due if you need more time to pay off your loan. We’re always happy to work with you so you are able to comfortably fulfill your financial obligations on your monthly budget. Once you’ve paid your account in full, you’ll receive your title back from us.

Choose Midwest Title Loans in Missouri and Kansas

When it comes to getting money when you need it, your options are limited! Financial struggles are frustrating, and made worse when you have difficulty getting cash quickly. For almost 25 years, Kansas City has turned to us at Midwest Title Loans for the most flexible and customer-friendly service in the area. Our thousands of satisfied customers are proof that we have continued to maintain our focus on helping people in our community throughout the years.

If you’re ready to take advantage of our short-term loan options, contact us today, or visit one of our locations in Kansas City, MO on W. 85th Street at Wornall Road in Waldo; Gladstone, MO on North Oak Trafficway at NE 64th Street; Overland Park, KS on Metcalf Avenue at W. 82nd Street; and Kansas City, KS on State Avenue at N. Washington Boulevard.


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330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600
M-F: 10:00am – 6:00pm
Sa: 8:00am – 1:00pm

6420 North Oak Trfwy
Gladstone, MO 64118
Phone: (816) 436-7711
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

8212 Metcalf Ave.
Overland Park, KS 66204
Phone: (913) 381-2222
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

2500 State Ave.
Kansas City, KS 66102
Phone: (913) 281-9997
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm