Can a car without the vehicle title be mortgaged?

[NoraMarie]

In such cases, mortgage loans are generally not possible. Below is relevant information about car mortgages: Fully-paid vehicle: A fully-paid vehicle refers to a car that is mortgaged, where the car was either purchased with a one-time payment or was bought on installment but the payments have been fully completed. Advantages of car mortgages: Quickly obtain cash for turnover without selling the car, avoiding the time and cost of repurchasing a car when funds become available. Avoid the awkwardness of borrowing from relatives or friends and prevent others from knowing about your financial shortage. This applies to cars purchased with a one-time payment or bought on installment but with payments fully completed.

[VanElena]

Cars without a motor vehicle registration certificate can be very troublesome to mortgage. I've encountered similar situations where the car lacked the 'big book' (registration certificate), meaning the proof of ownership was missing. Lenders are hesitant to accept such vehicles because it could indicate unpaid loans or legal disputes. Lenders need to ensure the vehicle is clean and free of other issues. If you attempt to mortgage it carelessly, at best, you'll be rejected, and at worst, you could face fraud risks. I recommend first checking why the registration certificate is missing—maybe it was lost or not reissued—and promptly handling it at the DMV. Regularly check your documents during car maintenance to avoid problems when you need them urgently; it's safer for you too.

[McHarrison]

Mortgaging a car almost always requires the title. From a financial perspective, without it, there's no proof of ownership, and lenders will worry about high repayment risks. If the car still has an outstanding loan, the title might be held by the bank, and mortgaging it could lead to legal conflicts. I've heard of cases where people mortgaged cars without titles, resulting in heavy losses for lenders and legal trouble for the owners. It's best not to take the risk—prioritize getting a replacement title or confirming the car's status is clear before proceeding. This kind of caution can save a lot of trouble, avoiding unnecessary hassles and financial losses.

[JosephRose]

Mortgaging a car without the title is generally not possible. The certificate is a hard requirement; lenders need to verify it before approving a loan. If it's missing, you should first apply for a replacement or clarify the reason, such as unpaid loans or a lost certificate. Don't trust places that claim they can bypass this—it's easy to get scammed. Play it safe and protect your rights.