How To Get Instant Approval For Rebuilt Titles


A common question that people have is whether or not they can use a rebuilt title as equity to qualify for a title loan. We understand that things happen and vehicle accidents can and do occur all the time. If you’re looking for rebuilt title loans then yes it’s possible to use a reconstructed car as collateral for a loan. Anyone who applies for a rebuilt title loan should understand what’s required and what’s different with this type of secured cash loan versus the more common car title loans. Let’s break down how rebuilt title loans work and what you need to qualify.


What Do I Need To Qualify For A Rebuilt Title Loan

The requirements for a rebuilt title loan are much the same as what’s expected for a typical car title loan. Even though your vehicle is not worth as much and has been damaged or rebuilt, it’s still going to have some value and you can use that as equity for your loan. An online company that offers fast title loans will want to see that there’s sufficient value in your reconstructed car. The value of your car on a resale market will dictate the amount of cash you can get and a typical title loan lender will offer 30-50% of the vehicle’s value for rebuilt title loans.

Other requirements for a rebuilt title loan include being the owner of the vehicle, being at least 18 years old, having a verifiable source of income, and having an active checking account that your lender will use to withdraw the payment each month. To be approved for a title loan with a reconstructed car title you’ll need to have all this information ready or you can get started now by filling out our quick online application. Highway Title Loans works with borrowers in most states and we can quickly process your application for a rebuilt title loan!

Even a reconstructed car can net you over 2k with a rebuilt title loan!

How Are Rebuilt Title Loans Different From Salvage Title Loans

The biggest difference between rebuilt title loans and salvage title loans is that rebuilt title loans are given to people who have a car that was once totaled or reconstructed but has been repaired to the point where it is now roadworthy. Salvage titles on the hand can encompass another type of vehicle conditions. In order to qualify for a rebuilt title loan, your car must have undergone a thorough inspection by the Department of Motor Vehicles (DMV) in order to prove that it is safe to drive.

Meanwhile, salvage title loans are given to people whose cars have been damaged to the point where they are considered “totaled” by the insurance company. This means that the car is not worth repairing and is only fit for scrap. However, some people choose to repair their salvage titled cars themselves, which can lead to situations where they may need a loan.

The process for applying for either a rebuilt or salvage title is generally the same, although you may qualify for more cash but be required to provide additional documentation for a rebuilt title loan.


What Else To Know About Title Loans With A Rebuilt Title

Another key difference with a rebuilt title loan s that your car will have to be inspected prior to receiving funds. That’s not to say that no inspection title loans aren’t common with standard vehicle equity loans, but there’s likely no way to avoid an inspection if you have a vehicle that’s labeled as a salvage or rebuilt title. The good news is that most lenders can inspect your vehicle in less than 5 minutes. Sometimes they can view your car remotely either through an online video or slideshow that shows the inside and outside condition of the car.

Rebuilt title loans are also different from conventional loan offers as well as car title loans because the amount of cash you can get will be limited strictly to the car’s lower value. While normal online title loans range from $2,500 to $5,000 a title loan on a reconstructed car will likely net you an amount between $1,000 and $4,000.

Also, consider the high interest rates that are often associated with these types of loans. A lender is taking on risk when they offer an auto title loan for reconstructed cars as well as salvage titles. You can expect an APR or monthly finance rate that’s nearly triple digits and the goal with that is to pay off the loan as quickly as possible.


Apply Now For A Rebuilt Title Loan With No Credit Check

If you feel that a rebuilt title loan is right for you then perhaps it makes sense to get started with Highway Title Loans. We work with borrowers all over the US and you can be confident that our agents and loan processors will help you to understand all aspects of your application for a loan with a rebuilt title. You can fill out our quick online application in less than 5 minutes and have cash for your reconstructed vehicle that same day. Get going with our application for a title loan with no credit check or speak to our lending agents at 877-433-5454.


You may be eligible for a secured loan even with a rebuilt title.

Posted in lending questions, loan options