When there are two people on the title, the way the names are printed will be the determining factor if both of you will need to be present for the loan process. Often different states list co-owners differently on their titles. The title can reflect names separated by “OR, AND” or some cases, only have names listed with no conjunction.
When a title is joined by the word “OR” that means one or the other owners can use the title as collateral for the title loan without the other person present. If the name is joined by “AND”, that would require you to bring that second person with you because they will need sign for the title loan in addition to yourself. Some states do not use either joining words, which would then revert to the rules for using “AND”, meaning both owners will need to be present.
If you have a second person on the title that does not want to be a part of the title loan, you can visit your local DMV to have the other person removed from the title, however they will have to be willing to come with you and agree to be removed in order for you to be able to proceed with a title loan application.
If you are unsure how the ownership is reflected on your title, you can call our knowledgeable staff at (850) 297-2274 with your Vehicle Identification Number, or VIN, to assist in looking into that for you. We look forward to assisting you!