Car Loans for Rebuilt Titles: Everything You Need to Know | Texas Title Loan

Author : Texas titleloans | Published On : 01 Jul 2024

Getting a car loan can be a straightforward process, but what happens when your car has a rebuilt title? This article explores whether you can get a title loan with a financed car if a bank will finance a rebuilt title, and how to obtain a title loan without the title online. We'll also discuss fast online title loans and title loans that don't require a car in Texas.

Understanding Rebuilt Titles

A rebuilt title is issued to a vehicle that was previously deemed a total loss but has been repaired and inspected to meet road safety standards. While these cars can be a bargain, getting a loan for them can be more challenging.

Can I Get a Title Loan with a Financed Car?

One of the most common questions is whether you can get a title loan with a financed car. The answer is yes, but there are conditions. You must have enough equity in the car, meaning you owe less on your car loan than the car's current value. Lenders may require you to have permission from your primary lender before you can use the car as collateral for a title loan.

Will a Bank Finance a Rebuilt Title?

Banks are generally cautious when it comes to financing rebuilt titles due to the potential risks involved. However, some banks and credit unions may still provide loans for rebuilt title cars, especially if the vehicle has been thoroughly inspected and deemed safe. It's essential to shop around and find a lender who is comfortable with the rebuilt title status.

Title Loan Without Title Online

Getting a title loan without a physical title might sound impossible, but in Texas, some lenders offer online title loans where you don't need to present the title immediately. These lenders can verify your car's details and your ownership status online, making the process faster and more convenient. However, you will eventually need to provide the title to complete the loan process.

Fast Online Title Loans

When you need money quickly, Fast Online Title Loans can be a lifesaver. These loans are designed to provide you with cash in a short amount of time, often within 24 hours. The application process is straightforward: you provide your car's information, prove your ownership, and the lender assesses the vehicle's value. If approved, you can receive the loan amount quickly.

Title Loans That Don't Require the Car in Texas

Some title loans in Texas don't require you to hand over your car. These loans allow you to keep driving your vehicle while repaying the loan. This is beneficial if you rely on your car for daily activities or work. The lender holds onto the title as collateral, and once you've repaid the loan, the title is returned to you.

Benefits of Title Loans for Rebuilt Titles

  1. Quick Access to Cash: Title loans provide fast access to cash, which can be crucial in emergencies.

  2. No Credit Check: Many title loan lenders don't require a credit check, making them accessible to people with bad credit.

  3. Keep Your Car: You can continue using your car while repaying the loan, which is convenient if you rely on your vehicle for daily activities.

Risks and Considerations

  1. High-Interest Rates: Title loans often come with high-interest rates, which can make them expensive over time.

  2. Risk of Repossession: If you fail to repay the loan, the lender can repossess your car.

  3. Short Loan Terms: Title loans usually have short repayment terms, which can be challenging if you're not financially prepared.

Steps to Get a Title Loan for a Rebuilt Title

  1. Research Lenders: Look for lenders who specialize in title loans for rebuilt titles and have good reviews.

  2. Check Your Car's Value: Ensure your car has enough equity to qualify for a title loan.

  3. Gather Documentation: Collect necessary documents, including your car's title, proof of insurance, and identification.

  4. Apply Online: Fill out an online application with your chosen lender, providing accurate information about your car and finances.

  5. Get Approval and Cash: If approved, you'll receive the loan amount quickly, often within 24 hours.


Securing a car loan for a rebuilt title or getting a title loan with a financed car can be challenging, but it's possible with the right information and lender. In Texas, various options like fast online title loans and title loans that don't require handing over your car provide flexibility and quick access to cash. Before proceeding, consider the benefits and risks, and choose a reputable lender to ensure a smooth process.

For more information and to explore your title loan options, visit Texas Title Loans. Our team is here to help you navigate the process and secure the funds you need.