If you can't locate the number on your credit report, the next best option is to contact your lender directly. They can give you the information you need via phone or email. Finally, if you still struggle to find your account number, try looking through any old correspondence from your lender.

When your car is financed with a loan, the lender will typically keep the title until the loan is paid off. Only at that point do you become the legal owner of the vehicle. Because your lender technically owns the car until the loan is paid, you usually don't get the title until the loan has cleared.

An auto equity loan lets you borrow money by using your car as collateral. Your chances of being approved for the loan (and getting a good rate) are better than with a regular personal loan, but you could lose your car if you don't pay it back in time. Auto equity loan lets you borrow against the value of your vehicle.