What do I need to get a title loan?

Getting a title loan with Lake Title is quick and easy! In order for us to approve your title loan request, you will need to bring in your title, or registration if you have an electronic title, proof of residency, proof of income, a valid photo ID and drive your vehicle here. If you need assistance printing your proof of residency or proof of income, you are able to email the documents over to us before your appointment or while you are in the office and one of our representatives will be happy to print them off for you. You will have a representative working alongside you through your application process to ensure you are able to get the copies of the required documentation to get your title loan request approved!

Title or Registration:
In order for us to be able to approve your title loan request, the most important document you need is the title to your vehicle. If your title is held through the state electronically, you don’t need to make a trip to the DMV to obtain a physical title; just simply bring a copy of your registration with you. If you are unsure if your title is electronic or paper, a representative will be happy to check for you!

Proof of Residency:
Since we do not require a credit check for approval with Lake Title, we do require that you have valid proof of residency in order to complete your title loan request. We accept a utility bill such as power, water, gas, phone, cable or internet bill or a bank statement dated within the last 30 days, or a lease agreement. We just require it is the most recent bill, statement or lease you have received for you residence.

Proof of Income:
While we do offer title loan programs that do not require proof of income, bringing in proof of income will help to increase the amount that Lake Title will be able to get you approved for. This is why we recommend you bring proof of income with you to your appointment. We accept your most recent paystub or bank statement if you receive direct deposit. In some situations, we do also accept an official letter from your employer with the company letterhead provided if you are unable to produce a paystub or bank statement to verify your proof of income.

*Tip: you are able to use your bank statement as proof of residency AND income if you have direct deposit!

Photo ID:
You are required to bring your State or Government issued photo ID in order to verify your identity when completing your title loan request. It must be valid, not expired. Since most of our applicants have a state issued driver’s license or identification card, this step is simple and quick!

Your Vehicle:
In order to qualify for the title loan, you will need to drive your vehicle to the office in order for us to approve your request. During the approval process, a Lake Title representative will complete a quick, 5 minute inspection of the vehicle to gather the information needed for your specific vehicle in order to pull the current value of your vehicle to help us determine what amount you qualify for. The evaluation is a quick and easy process!

If you are unsure or have any additional questions about the documentation you will need or the title loan approval process with Lake Title, please reach out to one of the friendly representatives in the office at (352) 692-2274 and we will be happy to assist you!