necessary list for title loans

What Is Necessary To Qualify For A Title Loan In La Crosse, WI?

Waiting to hear if you qualify for a loan can be daunting, especially if you’ve already waited a while to hear back from your lender. That’s why we here at Wisconsin Auto Title Loans, Inc. make it easy to understand exactly what you need for a title loan in La Crosse, WI. In fact, we only require your driver’s license or state-issued ID, lien-free vehicle title, and your car for a quick inspection to allow us to determine if you qualify for approval.

And your credit won’t automatically disqualify you since your car’s value is what secures the loan, making our process convenient. Now that you’ve got the basics down, we’ll walk you through each of these requirements in detail so that there are no surprises. Our loan representatives will review this information with you, but this article will give you details for qualifying for a title loan with us.

How Do I Qualify For A Title Loan In La Crosse, WI?

We make it easy to get a title loan in La Crosse, WI; in fact, we’re committed to helping you regardless of the state of your credit. And we’ve made sure to keep the list of items you need for a title loan short. We want to make sure you remember these items, so we made sure not to add anything too crazy or difficult to find at a moment’s notice. To qualify for one of our loans, you will need to provide:

  • Your ID
  • Your lien-free title
  • Your car itself

necessary to get title loans


The first thing you’ll need, as with any loan, is your government-issued ID. The majority of our customers use their driver’s license, since it stands to reason that if you have a car title to use as collateral, you have a license to drive that car. Of course, anything state-issued with your full name and photo is acceptable, i.e., your passport, non-driver’s license, or student ID. A library card is an example of something that wouldn’t be accepted since it isn’t state issued.

Lien-Free Title

Of all the requirements, the lien-free title is what might confuse some. To put it simply, a lien is a legal claim against an asset, deferring it to the lienholder until the debtor pays what they owe. In essence, any title loan lender places a lien against a vehicle to mitigate the risk they undertake by lending out money. If there’s already a lien on the vehicle, then it serves no value as collateral since it technically already belongs to that third party.

A title with a lien, unfortunately, is a nonstarter for us. Dealerships, tow truck companies, and even the government can place liens against a vehicle to ensure they are repaid. If you currently owe anything to a lienholder, repay them accordingly and ask them to remove the lien. Once done, you’re all clear to apply for a title loan in La Crosse, WI at Wisconsin Auto Title Loans, Inc. without any issues.

Your Car Itself

Lastly, to qualify for a loan, we need to see your vehicle. When you need a title loan, one way we determine how much we can lend you is through the condition and resale value of your vehicle. This means we need to physically inspect the vehicle before we can tell you if you qualify. Basically, if your vehicle is in good working condition, you stand to get a higher loan – if you are approved, of course.

A lesser valued car offers less security for us, which is why you likely won’t qualify for as much on a title loan in La Crosse, WI if your car is older or not well-kept. But don’t worry, we are just looking to see if there is anything preventing the car from working; this isn’t a massively in-depth inspection. We will also price your car using a nationally recognized pricing scale, so you always know you’re getting a fair deal on your loan.

woman looking up title loan requirements online

How You Can Apply

Now that you know what you need to find out if you qualify for approval, all you have to do is get started on our simple process. And just like our required items list is simple, our process is as well! We’ve made sure you aren’t jumping through impossible hoops just to get a title loan. So, if we’ve piqued your interest about applying for our car title loan, then here’s how you can get started:

  1. Submit the online form right here on our website. This form just sends us your basic contact information so we can get in touch with you. Don’t worry, we make sure to keep your information safe.
  2. Wait for a representative to give you a call back. When they do, they’ll review what you need to bring in and schedule a meeting for you to either come into the nearest store or have us meet you.
  3. Regardless of where we meet, we will have to meet in person. Gather your required items and go to the meeting. You will sit down with one of our loan representatives and they will assess your items.
  4. If you are approved, the loan representative will also go over the final paperwork you need to sign and answer any remaining questions you may have. Once done, you can receive your money as early as that same day.

Submit Your Request Form Today!

Title loans are valuable resources when used correctly, and now that you know the ins and outs of qualifying, you’re all set to apply with confidence. Wisconsin Auto Title Loans, Inc. offers a title loan in La Crosse, WI to get you the money you need quickly. If that sounds like the right choice for you, give one of our associates a call or complete the online form to be automatically connected with the nearest storefront!


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

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.