Title Loan in My Name, 2 People on Title

[waylan]

My question involves vehicle registration or title in the state of: Texas

There are two people on my car title, though I paid the car loan off. So the title is clear, and I want to get a title loan from it. Could I get a title loan in my name only, without the other person? If so, and I defaulted, would it affect only my credit or both of ours? Or would they just repo my car and make it a moot point?

[Mr. Knowitall]

You are free to ask a title loan company if they will give you a title loan without the other person's permission. When you do so you can ask them what they will do if you default, given that the other person won't be a borrower.

The manner in which the car is titled ("you and sucker" versus "you or sucker") may make a difference. (The co-owner seems reasonably deemed a "sucker" for buying a car with you, given your plot.)