Can a car without the vehicle title be mortgaged?

[CharlotteMarie]

In this situation, it is generally not possible to obtain a mortgage loan. Here is some relevant information about car mortgages: Full-ownership vehicle: A full-ownership vehicle refers to a car that is used as collateral for a mortgage, where the car was either purchased with a one-time payment or was bought through installment payments that have already been fully repaid. This is considered a full-ownership vehicle. Advantages of car mortgages: Quick access to cash for financial needs without having to sell the car, avoiding the time and cost of repurchasing a vehicle when funds become available. Eliminates the awkwardness of borrowing money from relatives or friends and prevents others from knowing about your financial shortage. The car can be either purchased with a one-time payment or through installment payments that have already been fully repaid.

[Eden]

A car without a vehicle registration certificate basically cannot be mortgaged legally. I've been in this business for many years and have encountered many friends who wanted to mortgage their cars. If the big green book (registration certificate) is missing, banks and reliable financial institutions will directly refuse to process the application. They need proof that the car is your property, and the registration certificate serves as the ownership document. Without it, the risk of mortgage is too high, potentially involving stolen vehicles or ownership disputes. I suggest car owners first apply for a replacement certificate at the DMV. Don't seek temporary convenience by turning to high-interest loans or private lending, as it could lead to total loss. Also, don’t carelessly leave the registration certificate when maintaining your car. If it’s lost, apply for a replacement promptly to save trouble and ensure safety. In short, abiding by the law is the priority—don’t amplify risks because of minor inconveniences.

[SanSpencer]

Mortgaging a car without the vehicle title is quite risky. I've heard some people bypass formal channels and go for shady deals, like borrowing from unreliable small loan companies or acquaintances. But honestly, this approach is full of pitfalls—the other party might scam you, the contract could be invalid, and if your car gets impounded, it's hard to recover. I've seen similar disputes in my social circle where people regretted it only after suffering losses. Legitimate borrowing relies on the title to prove ownership. If it's missing, go to the DMV to get a replacement first—the fee is low, and it just takes some time to fill out forms. Don't take shortcuts for quick cash; safety comes first. Remember, your car is an asset—keeping the documents secure preserves its value.

[VanHadley]

A vehicle without a registration certificate cannot be mortgaged for a formal loan—it's as simple as that. The solution is to first apply for a replacement of the vehicle registration book (commonly known as the 'big book'). Bring your ID card, driving license, and vehicle photos to the local vehicle management office to apply. The process is quick and can be completed in just a few days. After that, take the new registration book to the mortgage institution to proceed with the formalities smoothly. I personally went through the replacement process once, spending a few hundred yuan to avoid loan troubles. Don't try to skip the registration book for convenience—it's the essential proof.