When you go to the lender’s office, take a copy of your driver’s license, insurance documents, verification of your current address, such as a utility bill, and your car’s title. You will need to fill out an application including several personal references. Be sure to take the proper information with you to the office, so that you can completely fill out the paperwork and complete your title loan application the same day.

Since your vehicle will be inspected and valued, it must be taken to the lending office at the same time. Remember that the valuation might be increased with a thorough cleaning and wash, so it might be worth the effort to haul out a bucket and vacuum or to stop by the local car wash on the way to the office.

Once your paperwork is complete, your vehicle has been evaluated along with your documents, you will meet with the lender and discuss the amount of money they are willing to loan you against your auto’s title and the terms of the loan. Once the discussions are complete, loan documents will be drawn up for your signature. After the paperwork is signed, a check will be given to you, which can be taken to the bank it is drawn on and can be cashed immediately if needed. You can usually retain possession of your vehicle, so there is no problem with being able to continue meeting your other obligations such as work, child care, grocery shopping, laundry, whatever you need to do.