I think I might know the answer.

Hey hippy kid am I right?

I know, I know

If you have a free and clear title to a later model car or truck, my credit union has a program where they use it as collateral and loans you an amount based on & according to the year/make/model of the vehicle being put up for collateral, at that vehicles used car/truck finance rate.

I.E. : I recently financed a 1998 boat at 2.49% !