{"id":27892,"date":"2026-03-31T20:11:30","date_gmt":"2026-03-31T20:11:30","guid":{"rendered":"https:\/\/alertfinnews.com\/?p=27892"},"modified":"2026-03-31T20:11:32","modified_gmt":"2026-03-31T20:11:32","slug":"7-ways-to-legally-get-out-of-a-title-loan","status":"publish","type":"post","link":"https:\/\/alertfinnews.com\/?p=27892","title":{"rendered":"7 Ways To Legally Get Out Of A Title Loan"},"content":{"rendered":"<div>\n<div id=\"block_6edcc4d5d43dd519dcffae2483731f95\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            There are ways to get out of a car title loan, including paying off the loan in full, negotiating with the lender or refinancing with a lower-cost loan.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Defaulting on a car title loan can have serious consequences, including repossession of your vehicle and damage to your credit score.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            It is important to carefully consider all options and budget carefully to avoid getting trapped in a cycle of debt with car title loans.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Not everyone has the funds to pay off a car title loan in full, but there are still ways to get out of debt faster. Finding a strategy that will work for your finances could save you hundreds, if not thousands, of dollars down the line and help you avoid a cycle of debt.<\/p>\n<p>When you want to get out of a title loan, you can negotiate with your current lender or take out a new, more affordable loan. You have other options if these aren\u2019t possible, but they risk damaging your credit score.<\/p>\n<h2 id=\"one\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"1. Pay off the loan\" data-outcome=\"\">1. Pay off the loan<\/h2>\n<p>Depending on your situation, paying off the car title loan might not be possible \u2014 but it does put the brakes on the borrowing cycle. First, contact the title loan lender and ask for the payoff amount. Ensure that you check for any fees or penalties associated with early payoff or loan satisfaction recording.<\/p>\n<p>Next, decide where you can get the funds to repay the loan. Consider using these methods:<\/p>\n<ul class=\"wp-block-list\">\n<li>Borrow money from friends or family.<\/li>\n<li>Tap into assets that have cash value, such as stocks, life insurance or retirement accounts. Be aware that retirement accounts have early withdrawal tax penalties. If possible, consider turning the withdrawal into a loan if you are confident you can repay it on time.<\/li>\n<li>\nCreate a budget that helps you rein in spending and speed up debt repayment. Review all your bills and credit card accounts to assess what you can live without, and especially check automatic withdrawals to your bank account.<\/li>\n<li>Start a side gig to earn extra money or sell a valuable item that you won\u2019t miss. <\/li>\n<li>Ask for a salary advance from your employer. Or consider using a cash advance app, which can provide funds that you repay with a future paycheck. Cash advance apps typically charge lower fees than traditional payday loans, but there are still costs involved.<\/li>\n<\/ul>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Star Icon<\/title>\n<path d=\"M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z\" fill=\"transparent\" class=\"icon-offset\"\/><path d=\"M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Keep in mind:<br \/>\n        <\/strong><br \/>\n        If you do receive an advance from your employer or tap into your savings, be sure to budget carefully. Ultimately, you want to avoid taking on expensive, short-term debt like title loans in the future.\n    <\/p>\n<\/div>\n<h2 id=\"two\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"2. Borrow a personal loan\" data-outcome=\"\">2. Borrow a personal loan<\/h2>\n<p>Another option is to apply for a new, lower-cost loan and use the funds to pay off the title loan. You can use a bad credit personal loan to refinance a title loan. Because they are unsecured, you won\u2019t risk losing your car if you cannot repay them. However, you still risk being pursued by debt collectors if you fail to pay.<\/p>\n<p>Qualifying for competitive personal loan interest rates can be hard with a low credit score. Even so, bad credit loan rates can be under 36%. The new loan should come with a lower fixed interest rate, lower monthly payments and more time to repay. As long as the loan comes with better terms, it will be less expensive than constantly rolling over your title loan.<\/p>\n<p>Check with your bank or credit union to see what personal loans you qualify for, the rates and repayment periods.<\/p>\n<div class=\"InlineCta not-wysiwyg my-12\">\n<div class=\"InlineCta-body\">\n                    <!-- htmlmin:ignore --><\/p>\n<h3 class=\"InlineCta-title\">\n    Why you shouldn&#8217;t roll over a title loan<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p class=\"InlineCta-copy\">\u201cIf you can\u2019t pay back the loan when it\u2019s due, it\u2019s rolled over into another cycle with more fees,\u201d says Bruce McClary, senior vice president of communications at the National Foundation for Credit Counseling. \u201cIt creates a very difficult situation for people who are already struggling to repay. It is the exact definition of the cycle of debt.\u201d<\/p>\n<p>        Read on<\/p><\/div>\n<\/div>\n<h2 id=\"three\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"3. Renegotiate the loan terms\" data-outcome=\"\">3. Renegotiate the loan terms<\/h2>\n<p>Your lender may be willing to negotiate if you can show financial need and your inability to repay the current terms. You may be able to negotiate a more affordable monthly payment. For instance, lengthening repayment terms can lower the payment amount, but be aware that cars depreciate in value. You don\u2019t want to owe more than the car is worth.<\/p>\n<p>When you negotiate, request a lower interest rate, lower monthly payment, longer loan term or a combination of the three. Ensure you can afford the new terms and get all the details in writing. Keeping your account in good standing on affordable terms will help you pay off the debt and keep your credit healthy.<\/p>\n<h2 id=\"four\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"4. Look into the Military Lending Act\" data-outcome=\"\">4. Look into the Military Lending Act<\/h2>\n<p>The Military Lending Act is a measure that was adopted in 2006 and is designed to protect members of the military who are on active duty, as well as their spouses and dependents, from predatory lending practices. The MLA includes protections like capping interest rates on loans at 36% and prohibiting prepayment penalties on loans. The act and its protections apply to vehicle title loans.<\/p>\n<p>If you feel a loan violates the MLA, try contacting your local Judge Advocate General\u2019s (JAG) office as a first step. Your local JAG can provide more information about your rights. If you\u2019re not sure how to locate the nearest JAG office, try using the JAG Legal Assistance Office locator.<\/p>\n<h2 id=\"five\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"5. Sell your car to avoid default\" data-outcome=\"\">5. Sell your car to avoid default<\/h2>\n<p>If you have investigated all other options available and risk defaulting on the loan, consider selling your car and using the proceeds to repay the debt. This works best if you owe less on your car loan than the vehicle\u2019s current market value. If you\u2019re considering this option, first reach out to your lender to find out what the exact payoff amount is for the loan. As always, check to see if there prepayment penalties or other types of fees.<\/p>\n<h2 id=\"six\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"6. Request debt settlement\" data-outcome=\"\">6. Request debt settlement<\/h2>\n<p>If you can\u2019t afford the whole payoff amount, your lender may be willing to accept a lower amount, especially if you\u2019ve already missed several payments. This method is called debt settlement, and it can be done independently or with the help of a third-party debt settlement company. Once you agree to an amount, get the details in writing and ensure both parties sign the document, so the lender can\u2019t demand more money later.<\/p>\n<h2 id=\"seven\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"7. Consider Chapter 13 bankruptcy\" data-outcome=\"\">7. Consider Chapter 13 bankruptcy<\/h2>\n<p>You cannot discharge a secured debt in bankruptcy, but restructuring it through a Chapter 13 bankruptcy can result in a longer repayment period at a potentially reduced rate. With this type of filing, you create a repayment plan for all your debts, including your car title loan.<\/p>\n<p>Throughout the repayment period, usually three to five years, you will make your payments to a court-appointed trustee. Keep in mind that bankruptcy also severely damages your credit and may remain on your report for up to seven years from the filing date. As a result, this option should be a last resort. If you decide to pursue this route, ensure that you find a qualified bankruptcy attorney.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Chapter 7 bankruptcy\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Chapter 7 bankruptcy is designed for unsecured debts, such as personal loans and medical debt, so car title loans are generally not eligible. Despite this, many states allow you to protect your car and avoid vehicle repossession by leveraging bankruptcy code exemptions.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>A title loan may have been your only option when you borrowed, but that doesn\u2019t mean you have to be stuck with it forever, thanks to these title loan loopholes and workarounds. Negotiating with your lender or searching for a bad credit personal loan may help you avoid fees, pay less in interest and prevent repossession. Just remember, until you get out of debt, always stay on top of your payments \u2014 even if it means making sacrifices in other areas of your budget.<\/p>\n<h2 id=\"faq\" data-position=\"9\" data-beam-element-viewed=\"\" data-id=\"br-h2-9-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-what-happens-if-you-dont-pay-back-a-title-loan', 'heading-what-happens-if-you-dont-pay-back-a-title-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-happens-if-you-dont-pay-back-a-title-loan')\" :aria-controls=\"$id('panel-what-happens-if-you-dont-pay-back-a-title-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What happens if you don\u2019t pay back a title loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-happens-if-you-dont-pay-back-a-title-loan')\" :aria-labelledby=\"$id('heading-what-happens-if-you-dont-pay-back-a-title-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>There are various consequences if you fail to meet your payment obligations. The primary consequences you can expect are:<\/p>\n<ul>\n<li aria-level=\"1\">\n<b>Impact on your credit report:<\/b> A lender will report missed payments to the credit bureaus and may eventually send your unpaid debt to collections. Derogatory marks won\u2019t\u00a0fall off your credit report for up to seven years and can negatively impact your credit scores.<\/li>\n<li aria-level=\"1\">\n<b>Repossession of your car:<\/b> The lender may also repossess your vehicle to get you out of the car loan. Some lenders require borrowers to install a GPS device in the car when they take out the loan. That means if you default and try to hide the car, the lender can use the GPS to locate it \u2014 and may charge you an extra fee. That leaves you with even less money, damaged credit and no transportation.<\/li>\n<\/ul>\n<p>In most states, lenders are required to notify you before repossessing your car. If you receive this notice, contact the lender immediately and try to negotiate with the lender or refinance the loan. Be aware that the repossession agent may not bother to make an appointment and may show up at any time and at any location to take your vehicle.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-are-the-alternatives-to-a-car-title-loan', 'heading-what-are-the-alternatives-to-a-car-title-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-are-the-alternatives-to-a-car-title-loan')\" :aria-controls=\"$id('panel-what-are-the-alternatives-to-a-car-title-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the alternatives to a car title loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-are-the-alternatives-to-a-car-title-loan')\" :aria-labelledby=\"$id('heading-what-are-the-alternatives-to-a-car-title-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>If you\u2019re seeking options to get out of our title loan, you\u2019re probably interested in avoiding another one. Here are some other options to consider should the situation arise again:<\/p>\n<ol>\n<li aria-level=\"1\">\n<b>Payday alternative loans<\/b><b>:<\/b> A payday alternative loan, usually offered by credit unions, allows you to borrow anywhere from $200 to $1,000 for up to six months.<\/li>\n<li aria-level=\"1\">\n<b>Credit card cash advances<\/b><b>:<\/b> A credit card cash advance is a short-term loan that is borrowed directly against the limit on your credit card, but this option tends to carry a higher interest rate than the typical credit card rate. Additionally, interest starts accruing immediately, rather than after a grace period.<\/li>\n<li aria-level=\"1\">\n<b>Paycheck advance:<\/b> Some employers may be willing to provide you with an advance on your paycheck, which can be used to resolve your title loan debt. A paycheck or payroll advance is a short-term loan typically used to cover unforeseen expenses. Depending on the employer, you may be able to pay this type of loan back with deductions from upcoming paychecks.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-a-title-loan-be-refinanced', 'heading-can-a-title-loan-be-refinanced']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-a-title-loan-be-refinanced')\" :aria-controls=\"$id('panel-can-a-title-loan-be-refinanced')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can a title loan be refinanced?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-a-title-loan-be-refinanced')\" :aria-labelledby=\"$id('heading-can-a-title-loan-be-refinanced')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Yes it is possible to refinance a car title loan. A personal loan for instance can provide the funds to pay off the title loan, replacing your title loan with a new, lower cost loan.<\/p>\n<p>Taking this step is a good way to avoid the co come with rolling a title loan over when you\u2019re unable to repay it by the due date. \u201cIf you can\u2019t pay back the loan when it\u2019s due, it\u2019s rolled over into another cycle with more fees,\u201d says Bruce McClary, senior vice president of communications at the National Foundation for Credit Counseling. \u201cIt creates a very difficult situation for people who are already struggling to repay. It is the exact definition of the cycle of debt.\u201d<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"jW7lpxWlIX\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/how-to-get-out-of-a-title-loan\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways There are ways to get out of a car title loan, including paying off the loan in full, negotiating with the lender or refinancing with a lower-cost loan. Defaulting on a car title loan can have serious consequences, including repossession of your vehicle and damage to your credit score. It is important to<\/p>\n","protected":false},"author":1,"featured_media":27893,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":{"0":"post-27892","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Ways To Legally Get Out Of A Title Loan - Alert Fin News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alertfinnews.com\/?p=27892\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Ways To Legally Get Out Of A Title Loan - Alert Fin News\" \/>\n<meta property=\"og:description\" content=\"Key takeaways There are ways to get out of a car title loan, including paying off the loan in full, negotiating with the lender or refinancing with a lower-cost loan. 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