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Getting a Title Loan Without a Title in Your Name

Can You Get Car Title Loans in Kansas City Without a Title?

car title loans in Kansas City

Title loans have emerged as one of the most popular forms of short-term loans in the modern era. Car title loans offer significant advantages to consumers over many of the other credit options available to them.

We’re often asked at Midwest Title Loans whether it’s possible to get a car title loan without that one essential piece of paper you need – a title. The short answer is no. You need the car title to show that the vehicle actually belongs to you, and the lender will keep the car title during the period of your short-term loan.

Having said that, it’s simple to get a copy of your car title from the DMV or get your name rightly put on your car title. In this article, we’ll go over the basics of car titles, getting a title loan in Kansas City, and quick cash lending using a car title as collateral.

Understanding car title loans

Car title loans are some of the simplest forms of credit available today, and it’s this simplicity that has made them so popular. For most people, the purchase of their car is a significant investment. Wouldn’t it be good to be able to use the value in your vehicle for a positive benefit? That’s where car title loans come in.

Any real property you own outright, such as a house or a car, can be used to get credit. The lender knows that you own something of significant value, so there’s less risk to them that you’ll default on your loan and leave them in the lurch. Just like you can remortgage your house and still live in it, you can use your car as collateral for a loan and still drive it.

Forget worrying about your credit score, long applications, or complicated credit agreements. A car title loan is simple, quick to get, and doesn’t rely on your credit score. You get your loan, get your money, and pay back your loan shortly after when money is less tight.

Car title loan requirements

Car title loans in Kansas City have a very short list of requirements. You need to bring in your car for a brief inspection. We need to see a photo ID, too. And you need the car title that’s clear of any liens.

What do we mean by liens? If you already have a loan taken out against your vehicle, the car title document will show that there is a lien against it. This means that if you failed to pay back that original loan, then someone else has the right to recover the vehicle and use its value to repay the loan. It’s too complicated for multiple liens to be made on a single vehicle, so car title loan providers ask that the car title be free of other liens before you take out a new loan.

Car title loans without the car title

Car title loan providers won’t lend you money on a vehicle you can’t prove is yours, so you need the car title document. You can get a copy of your car title from the relevant DMV by filling out a short form and paying a nominal fee.

If for some reason the car you own doesn’t have a car title in your name, that will need to be rectified before you get a car title loan on it. You will need to contact the DMV with proof that you own the vehicle. If you need help with this, get in touch with Midwest Title Loans, and we can give you advice on what to do in your particular situation.

Perhaps you’ll need to contact the original owner or dealership to ascertain why the car title loan hasn’t been updated and get the car title details corrected at the DMV.

Midwest Title Loans in Kansas City

Once you’ve sorted out your car title, getting a title loan in Kansas City couldn’t be simpler. Midwest Title Loans is one of the longest-running short-term lenders in the area having provided car title loans since 1997. Our flexible, customer-focused approach has helped thousands of customers get a short-term car title loan.

We invite you to get in touch with us today at one of our four locations in Kansas City, MO; Kansas City, KS; Gladstone, MO; and Overland Park, KS. Alternatively, get started right away with our online application. We’re ready and waiting to help you get a useful short-term car title loan.


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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