English 
Spanish Do you own a vehicle but are unsure whether the car or truck is paid off and eligible to be used as collateral for a title loan? Or maybe you still owe your original lender a bit of money but want to see if it's possible to get a title loan that would pay down the balance to the original lienholder.
Quick answer: Yes, you can get a title loan on a car that isn't completely paid off, assuming it has enough positive equity. If you owe a small amount to your lender, typically a few thousand or less, or want to refinance an existing loan, we may be able to help. We work with state-licensed lenders who can pay off your original lender directly and issue you the remaining cash.
A clear car title means that you have complete ownership of your car, and no other lender or person can claim that vehicle as theirs. But what if you've already taken out a secured loan and have a lienholder on the vehicle? Or what if you still owe money from when you purchased the car? One of the most common questions people ask is if they can get a loan on their car without a clear title. The answer depends on your situation, and below we explain when you can get an online car title loan if the car is not entirely paid off.
If you're having a tough time making the monthly payments on an existing title loan, or traditional auto loan, you don't have to default. Through title loan refinancing, you can find a new lender to pay off your existing lien, satisfy your original loan contract, and possibly lower your monthly payments with a new payoff schedule.
Car title loans without a clear title - Are they possible?
You can sometimes get a title loan without a clear title, but it's often difficult to borrow more than a few hundred dollars. The car should be free of any liens to qualify for $1,000 or more. If the vehicle is jointly owned, the lender must know that all the parties listed as owners have agreed to use the car as collateral. That means every owner on the title has to sign, which is a non-starter for most people.
Another way to get a title loan without a lien-free vehicle is to negotiate with the lender and see if they will pay off the first lienholder. A loan buyout is probably out of the question if you owe more than a few thousand dollars, but often, people come to us only owing $500 or less to their original lender. In this case, you pre-qualify for a title loan with part of the loan proceeds earmarked to pay off the original lender.
I want a vehicle-secured loan but can't remove any liens from the car's title.
When you have a vehicle with a lien against it, you first determine whether you or a new lender can pay off the lienholder. It may be possible to get a second lien title loan or buy out the original loan, but ultimately, it's far easier to get a vehicle-secured loan with a lien-free pink slip.
- Take care of your existing debts.
If you are dealing with legitimate lien holders, the easiest way is to pay off your debts. Credible lien holders remove their hold on your car immediately after you clear the debts that you owe them. If they don't, your state's DMV or attorney general's office can often point you to the next steps. This is the same situation if you're paying late and facing a title loan repossession.
- Negotiate a better loan payoff.
Many lenders are always ready to negotiate, especially if you contact them before falling behind. Most lenders would prefer to restructure a loan rather than pursue a costly repossession. Even if you can reduce the interest rate by a few percentage points or reduce the principal debt amount, you can save thousands over the entire lending term by refinancing.
- Correct any mistake in the title history.
Lienholders and even title service companies make mistakes. You may have settled your debt but still haven't received the clear vehicle title. Contact the lienholder and let them know you've honored your contract but still haven't received your end of the deal.
In some instances, you might buy a vehicle whose previous owner never paid off an existing lien. Let them know you're the new owner, and they will probably rectify the mistake. In other cases, there may be a simple paperwork mistake or difference in the amount you owe the lender.
- Dispute improper liens
Sometimes, you may not come to an understanding with the lienholder. More importantly, some liens are tailored to expire after a set number of years. Read the terms of your contract with the lienholder. If the lienholder has violated the agreement, an attorney can advise you on disputing it.
The steps shown above can help you get a new or revised certificate of title. By doing so, the state is obliged to offer you a new title. They can also protect you if someone claims ownership of your vehicle
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For more information on how to get an online car title loan without a clear title, contact Hyperlend at 1-800-971-3022. We'll do our best to pre-qualify you.