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When you're in a financial bind and need cash quickly, taking out a car title loan might seem like an easy fix. An auto title loan is a short-term, high-interest loan that uses your vehicle as collateral.

And while it's highly accessible and easy to qualify for if you own your car outrightread more risk losing your ride if you fall behind in payments.

Add in the eye-watering expensive terms and conditions that credit report and score free come with these loans, and you have plenty of reasons to look for alternatives before resorting to a car title loan. Below, CNBC Select explains how title loans work, credit report and score free you should think twice or more credit report and score free taking one out and what you can do instead. In return, you agree to pay off the entire source balance plus interest when the loan term ends - typically, in 15 or 30 days.

To qualify, you'll have to give the lender your car title. Most lenders require that you fully own your vehicle, while others will lend you money if you meet certain equity thresholds. You'll also likely need provide your photo ID and proof of insurance to the lender, as well as an extra set of keys. You usually can get a title loan without a credit check or having your income verified though some states require lenders to do both.

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Not have delinquent federal debt or judgments, tax-related or otherwise, or debt associated credit report and score free past FHA-insured mortgages. Account for cash gifts that help with the down payment. That can include money from a friend or family member, a charity, your employer or union, or from a government agency. These gifts must be verified in writing, signed and dated by the donor.

If you are using a source credit report and score free local program to obtain down payment or other assistance toward an FHA loan, that program may have its own income limits and requirements.

The property must meet FHA loan limits, which vary by county.