How to Pawn your Car Title and Still Drive

February 24, 2020 - Vehicles

Want to know how to pawn your car title and still drive your car?

It’s possible, and it’s the easiest way to get quick cash for your vehicle! We’ll tell you everything you need to know to pawn your car with a reliable pawn shop so that you can continue to drive freely—and not lose your car.

Tough times fall upon all of us. Whether you’ve recently become unemployed, have experienced a medical emergency or even need to put your money toward home repairs, it is important to know what your options are for getting cash quickly.

Your car is a viable option if you can find alternative transportation during the timeframe you’re using it as loan collateral.

Read on to learn how to pawn your car title and still drive your car freely as you did before.

How to Pawn your Car Title: the Requirements

You must Find your Car Title

In order to pawn your car title, you need to find it. This is what you’re going to hand over to the pawn shop so that you can use it as collateral while you still drive your car around. Can’t find your car title? You can request a replacement car title from the DMV.

The Car Title must be in your Name

Once you locate your car title, you need to make sure that the car title is in your name. You cannot borrow money against your car title if it is not in your name. Why? If the car title is not in your name, you technically don’t own it—and you can’t pawn something that isn’t yours!

You must not have an Existing Auto Loan on the Car

Make sure you do not owe any money on the car. You can only pawn your car if it is paid-off and lien-free. This means you don’t still owe money to lenders, the government or any agency that has claimed possession of your vehicle due to unpaid debts.

The Car Pawning Process: How to Pawn your Car Title Easily

In order to pawn your car title, you must have met the following requirements listed above. Then, you can meet with a pawnbroker from a licensed pawn shop that accepts car title loans. Here’s how to pawn your car title easily:

  1. List your car on PawnGuru—it takes only a few minutes and is completely free.
  2. Wait for the offers to roll in from nearby pawn shops—this can happen almost immediately!
  3. Bring your car and title to the pawn shop that offers the highest bid.
  4. Finalize the appraisal with the pawnbroker—they’ll take a look at your car and title.
  5. Review the terms of the loan and sign off on it.
  6. Drive away with your car with cash in hand.
  7. Return to the pawn shop by the agreed-upon date to pay back your loan, plus interest and fees.
  8. Get your car title back.

Now that you know how to pawn your car title and still drive your car, you can get a large chunk of cash in hand today without any interruption to your lifestyle!

David Stiebel
David Stiebel

David Stiebel is one of the cofounders of PawnGuru. David was educated at MIT, where he studied Math. He subsequently worked at Bain as a data scientist before starting PawnGuru in 2015. He started PawnGuru to build a better tool for pawn shops and consumers to connect.

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Avatar for Jeremy Thompson

Jeremy Thompson

November 22, 2017, 1:39 AM

I do like that you mentioned how it is important to make sure that the car you pawning is in your name and is already fully paid without existing debts on it. That’s a good tip since I was just about to try to pawn my car for a quick cash to pay off my wife’s medical emergency. Hopefully, I’ll be able to pay it off in the next payslip. Thanks for the tips on how to pawn a car title while still being able to drive it!

Avatar for Millie Hue

Millie Hue

November 10, 2018, 12:11 AM

Thanks for pointing out that we should not owe any money on the car anymore since it can only be pawned if it is completely paid off. I will tell this to my dad because he plans to get a title loan this month using his car. It appears that he needs the money for the surgery of my stepmom’s knee since she had a slip and fall accident last week.

Avatar for Lisa


December 30, 2018, 2:47 PM

Can one pawn a vehicle that is not presently running?

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