bad credit for title loans in Wisconsin

What Do I Need To Be Approved For Bad Credit Car Title Loans In Wisconsin?

One of the good things about bad credit car title loans in Wisconsin is that – when you come to Wisconsin Auto Title Loans, Inc. – you don't need much to get started. In fact, we only require you to bring in your clean title, your driver's license, and the vehicle. As you can tell, good credit is not a strict requirement! While those with low credit scores likely won’t be able to get approved for personal loans at a bank or credit union, they can here.

Instead of relying heavily on your credit, we are using your vehicle’s lien-free title as collateral to secure the loan. And when it comes to your vehicle, you can still use it as you wish while you repay the loan. So, if bad credit has stopped you from getting a loan in the past, read this guide to learn how you can still qualify for car title loans even if you don’t have the best credit right now.

Learn How To Get Bad Credit Car Title Loans In Wisconsin

Many worry about having bad credit. This is especially true when you think the lower the number, the less chance you have of getting access to many types of short-term loans. However, you can access bad credit car title loans in Wisconsin through us at Wisconsin Auto Title Loans Inc. reliably. While this doesn’t necessarily mean we won’t ever have to check your credit, it does mean we won’t automatically turn you away just because you have poor credit.

As we said, we don’t only rely on your credit because your vehicle title serves as collateral, a guarantee that you will repay the loan. So even if you have poor credit, you can still come see if you qualify for a maximum of $15,000 with a car title loan. Keep in mind that the amount you can borrow depends on whether your vehicle is in good working condition and its resale value.

money and car with bad credit car title loan

What's Required For A Title Loan?

Now that you know you can qualify for this loan even if you have poor credit, you should know that there are some required items you will need to show us. These items are what allow us to decide if you qualify for approval and how much we can lend you. Wisconsin Auto Title Loans Inc. requires three primary things to see if you qualify for bad credit car title loans in Wisconsin. You must have:

  • A valid driver's license or a state-issued photo ID.
  • A clear title to your vehicle.
  • The vehicle available for an inspection by a loan representative.

What's A Clear Title?

Whether you hear lien-free title or clear title, they mean the same thing. This means that you have paid the car off completely from any lender you bought it from, whether it's a car dealer or a private owner. You can't have a clear or lien-free title in your possession unless you have paid it off completely. If you see that there is still a lien on your title, you will have to go to the DMV to take care of that prior to coming into one of our stores.

Aside from making sure your title is lien-free, you’ll also need to make sure it is in your name. We can’t issue out a title loan at all if your name does not appear on the title. Remember, the vehicle title is your proof – to anyone, not just us – that you own this vehicle. If you don’t appear on the title, it’ll look like a huge red flag. You will have to have the title transferred to you if your name is not on it before you come in.

woman surprised about bad credit car title loans

How To Get Started

The process starts with filling out the online inquiry form found on the website. This isn't an application and doesn't oblige you to a title loan. It's just a form seeking more information and requires only basic details. A loan representative will call you to answer questions and tell you more about the process. You can arrange for an appointment in the nearest Wisconsin title loan store or you can have a loan representative come to whatever location you choose.

The meeting with the loan representative will include them verifying your required items and giving your vehicle a quick inspection to determine if you are eligible for a title loan. This process can be accomplished in as little as a half hour. A decision will be made by the end of the meeting. Those approved will find out how much we can lend and finish the paperwork. Once done, you can get the money either that same day or the next bank business day.

Get Your Bad Credit Car Title Loan Today

If you have poor credit, you don’t have to worry about not qualifying for any kind of loan. As we’ve said, you can still qualify for title loans with poor credit! So, don’t hesitate and see if getting bad credit car title loans in Wisconsin from Wisconsin Auto Title Loans Inc. will help your emergency expenses. Fill out the online form on our website today to get started on our simple process.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.