A credit score is required when applying for a title loan. A credit score is a numerical representation of creditworthiness based on information in credit reports. Lenders use it to assess the risk of lending to a borrower. A higher credit score indicates a lower risk of default. During a title loan application, lenders check the credit score to determine if a borrower is eligible for the loan. It lets them know what interest rate to offer. Some lenders need a minimum credit score. Others are more flexible and consider other factors. These include income and the vehicle’s value.