With this information the loan officer will do an analysis to determine if you can qualify for the loan amount that you’re looking for. The term of a car title loans can be as little as 15-30 days and as long as 2 years. Since unsecured loans do away with the requirement of security, lenders want to make it doubly sure that any borrower who takes out unsecured loan has the capability to repay the loan amount. However, most people utilize autos since a sort of assets so that you can protected this sort of mortgage loan.