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Tina, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 33167
Experience:  17 years legal experience including consumer protection law.
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Can I get a title loan if I am still making payments to the bank? I was intoxicated in

Resolved Question:

Can I get a title loan if I am still making payments to the bank?

I was intoxicated in las vegas and applied for a loan. Not sure if it went through.
Submitted: 5 years ago.
Category: Consumer Protection Law
Expert:  Tina replied 5 years ago.
Hello and welcome,

You are referring to a vehicle loan?
Customer: replied 5 years ago.
I was at a strip club in vegas. I remember applying for a loan (I was intoxicated) and not sure if I was approved. The club doesn't open for several hours yet but I need to know if I would even be able to be approved.
Expert:  Tina replied 5 years ago.
I see.

There are vehicle equity loans that some companies provide, so if that was the type of loan being offered, you could be approved.

Here is a link that discusses this type of loan:

Incapacity is a defense to enforcement of a contract and intoxication is a form of incapacity. You may wish to keep that in mind if the company attempts to enforce the contract against you.

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Customer: replied 5 years ago.
Is there a way you can reccommend that I check and see if there is an agreement?
Expert:  Tina replied 5 years ago.
I would contact the company and check on the status of the application. Such information is not normally publicly available thankfully, although a line will usually appear on your credit report indicating that the company inquired as to your rating.

If an account is opened, it will normally appear on your credit report as well within 30 to 90 days.
Customer: replied 5 years ago.

Are they required to send me a bill as well as the credit information? I am nervous about calling and asking if I owe them money.

Expert:  Tina replied 5 years ago.
I would simply inquire as to the status of the loan application and ask them to send a copy of the application and their response for your records. I would also indicate that you wish to verify the address they will be sending any notices to.

They are typically required to provide you with a decision on your application as well as your right to obtain a credit report if they deny the loan.

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