Can I get a car title loan if i’m unemployed

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We get this question asked all the time and the answer is “depends on the state you live in”. Most title loan companies are only concerned about the vehicle value and your ability to repay the loan. Some are just concerned about the car itself and really don’t care if you have a job or not.

The first thing you have to do is get up the courage and ask. If you never ask, there is no chance of you ever getting a loan from anyone. Each lender call should start out with this simple need. Ask the agent when you call UNLESS their website states clearly that they do not need you to be employed.

Let’s address this issue from another perspective… your ability to repay. We know the pressure is strong when you are sitting with a financial problem. You are scrambling to find ANY solution that will work because the pain of the issue is a lot. The tendency to lie when getting a loan is strong. The attitude is to get the money first and figure out how to pay it back later. This is a problem. You need to stop and seriously ask yourself if you can repay this loan. Do you have income. Is it enough to cover your expenses and repay? If the answer is yes, then tell the lender how you intend on doing it. Unemployment insurance? Other income not normally mentioned?

So when getting a car title loan if you are unemployed, the answer is usually yes but make sure you can repay it!

Can I Get a Loan When I Don’t Have a Job?

When in a real financial jam where you need a significant amount of funds in a hurry, you may turn to a car title loan. However, if you do not have a job you might be wondering if any lender will accept you as a borrower. After all, they will want you to be able to show that you can pay back the money that you borrow from them. However, through Max Cash® Title Loans you may be able to get a loan despite not having a job.

Is it Possible to Get a Car Title Loan Through Max Cash Title Loans if I do Not Have a Job?

When it comes to getting a car title loan through Max Cash Title Loans, you can still qualify even if you do not have any form of employment. The important thing is that you have a way to show on paper that you can repay the money that you would be borrowing through our services.

When applying to get a car title loan through Max Cash, we may still approve you if you are self- employed or receive income from a source other than a traditional employer, but we will still require that you show us that there is some form of income that you make that will help you to cover the monthly payments that your lender will ask from you.

Alternative Forms of Income

Just because you do not have a traditional job, it does not mean that you will not qualify for a car title loan from one of the many reputable lenders that we work with5. Many lenders will accept the following forms of income:


Something that people often do is invest funds into an annuity, which is a lump sum of money that becomes a form of steady income for a set amount of time. Usually, folks who invest in annuities use them as a means to fund their retirement, though they can also be used for other purposes as well.

Worker’s Compensation

In jobs that are based on manual labor, it is fairly common for an employee to receive injury while on the job. When such an injury does occur, they will have worker’s compensation from their employer paid to them in order to keep their finances out of the red while they get better. Because this is a wage provided by your employer, it is considered a valid method of showing that they have a steady source of income coming to them.


It is never an easy thing to deal with when someone important to you passes away. Sometimes though, when you lose someone they will if they have the means to leave behind to you what money they had. Inheritance money can usually be broken up into scheduled payments, which can then be shown to your lender as a steady source of income.

Settlement/Court-ordered Award

During a lawsuit, a company or individual might rather avoid going through a drawn-out court hearing, so they may offer you a monetary settlement. If you do not manage to reach a settlement however, the court will order the defendant you are suing pay an award to you. This often happens after you have managed to prove they did what you are suing them for. The funds awarded to you can sometimes be divided into scheduled payments – like it is a source of regular income. Showing proof of these payments also counts when it comes to approval for a car title loan.

Severance Pay

Sadly, sometimes things do not cut the mustard between you and your employer and it results in you losing your job. Sometimes you might get severance pay, which is a regularly paid sum of money you get for a set period of time from your former employer. This money is given to hold you over until you can get a new job. Many lenders will accept severance pay as proof of income.

Social Security Benefits

Sooner or later, it is time for you to hang it up and call it a day. It is time for you to retire and enjoy the fruits of your labors you toiled away for decades on. For most folks, social security and retirement benefits from the state along with any pension/401k plans they put funds into will kick in during retirement. Max Cash Title Loans will accept statements from these sources of income as a source of steady income.

I Don’t Have a Job. Can I Still Get a Loan?

Hardships frequently occur together. If you’ve lost your job and suddenly found yourself holding an unexpected bill, you may be wondering how you’ll pay for it. If you’re familiar with car title loans, you might think they are just what you’re looking for. You may also be asking yourself if you can still get a car title loan if you don’t have a job, because you need to show proof of income. Max Cash Title Loans has answered this question, as well as many other common car title loan questions.

How Can I Show Proof of Income for a Car Title Loan?

While many people do believe that showing a recent pay stub is the only way to show proof of income, it’s not the only way. There are actually a number of different things you can use to prove that you can pay your loan back. For example:

  • Worker’s Compensation
  • Social Security
  • Disability
  • Settlement
  • Alimony
  • Child Support

What Do I Need to Get a Car Title Loan?

In addition to proof of income, there are a number of other documents you’ll need to get ahold of before submitting your car title loan paperwork:

  • Qualifying Car Title in your name
  • Photos of your car (front, back, and sides)
  • Government-Issued I.D. (Driver’s License, State I.D., Passport, etc.)
  • Proof of Residence (Certain pieces of mail)

It’s important to be aware, some car title loan companies don’t accept photos of your car. Instead, they require that borrowers bring their car down to their brick and mortar location to be examined for any major damage, etc.

How Does the Lender Decide How Much I Can Borrow With a Car Title Loan?

There are three major things that impact the amount of money you can borrow through a car title loan:

  • Value of your car
  • Length of the loan
  • Your monthly income

The worth of your car is determined by assessing things like the mileage, the make and model, the interior and exterior, the age, etc. Borrowers use the value of your car to determine the maximum amount of money that they can potentially lend you. The length of your loan determines the size of your monthly payments. And finally, lenders use your monthly income to determine the maximum amount of money you can afford to pay back each month. It’s important to note that some states restrict loan durations. Because this may limit the size of the monthly payment, it can impact load affordability.

Can I Get a Car Title Loan Without my Car Title?

If you’re missing your car title, you’ll need to get a new copy from the DMV. Certain DMVs can even provide you with an expedited copy of your title, normally for a fee. Max Cash Title Loans may be able to direct you to the nearest DMV capable of providing you with an expedited title. Depending on the situation, they may be able to assist you directly with your duplicate car title. If you’re able to add your lender as a lienholder at the time your new title is issued, it may help speed up your title loan process.

Are There Hidden Fees Associated With Car Title Loans?

Reputable car title loan lenders don’t put hidden fees in their car title loan agreements. Instead, they do their best to make them easy to understand and clear. This means they shouldn’t include things like prepayment penalties, which punish you for trying to pay your loan back early. Nor will they subject you to balloon payments, enormous payments at the end of the life of the loan. It’s essential that you read your loan agreement and ask the lender about any points you are unclear on.

What Will Happen if I Fail to Pay my Loan Back?

It’s vital that you contact your lender if you are struggling to pay your loan back. Borrowers who default on their loan run the risk of having their car repossessed. The specifics of how this occurs vary from state to state, but there are a few basic steps that are consistent. Once a borrower misses sufficient payments to be in default, the lender may send them a right to cure notice, if one is required by law. This informs the borrower that they have a grace period during which they can repay the entire balance of the loan. Once any grace period has expired without an attempt of repayment, the lender may repossess the car.

Once a car has been repossessed by a lender, it normally is auctioned off. Any proceeds are put against the balance of the loan. In some states, after the auction the borrower and lender part ways. That’s not the case in every state however. Some allow lenders to continue to pursue borrowers if the proceeds from the auction don’t cover the balance of the loan. In other states, they are required to return any excess funds to the borrower.

Is There a Way I Can Extend the Terms of my Car Title Loan?

You may be able to extend the amount of time you have to repay your car title loan, but it will depend on the state you are in. If your state permits, your lender may be able to roll your loan into a new car title loan. If they do so, they’ll give you a new car title loan with the remaining balance from your previous loan. Although there may be fees associated with rolling your loan over, you’ll be given an entire new loan term during which you can pay your loan back.

If you’re in need of money to resolve a financial emergency, you may think you’re ineligible for a loan because you don’t have a job. But that’s not the case. You can still get a loan. Max Cash Title Loans can help you find the car title loan you need to cover your unexpected expense. Contact us today to get started.

Getting a loan with no job

This is a very hard question people ask because the answer is never what people want to hear but here is the truth and I hope it will be okay with most of you. Better to know the facts then to live in a lie right?

The answer to your question of getting a loan with no job is you can’t. At least not from a professional institution as a title loan company. Read on because I have a solution that may work…

I know what you are thinking that why not? I mean why can’t you if you are securing the loan with your car. That’s the idea of a title loan right? To use your car as security in case to lower the title loan lenders risk. Wish it was that easy.

The truth is that title loan companies and payday loan companies are highly regulated. It’s not the lender. It’s the government. They have established laws that state very clearly that you must show “proof of income” AND that income must be enough to reasonably pay the monthly loan amount. Ahhh a loop hole… and you might have missed it. I did NOT say “proof of employment” I said income.

So income is determined by money you can prove you get on a regular basis. Disability would qualify. So would retirement pensions. Also self-employment. As long as you can show that you are depositing money into a bank account on a regular basis that should be enough.

The second part of this is the amount. If you are asking for $10,000 and the monthly payback is like $850 then is this about 25% of the monthly income? Use that as a benchmark. 25% of your income should be free and clear to make this payment but this is subjective so each lender has a little wiggle room.

Can I Obtain a Loan When I Don’t Have a Job?

People may lose their job from time to time. Whether from budget cuts, being in between projects, or some other reason, you can be left scrambling for money to cover an emergency expense. Once other sources of funding dry up, you may be wondering about the possibility of a car title loan even with no job.

If you’re wondering if you could obtain a car title loan when you don’t have a job, keep reading to find out! Max Cash Title Loans could have the answer, as well as the answer to a number of other common car title loan questions below.

Can I Obtain a Car Title Loan Without a Job?

There are a lot of people who think that the only way to show proof of income for a car title loan is through a recent pay stub from your job. This isn’t actually the case. There are a number of different documents you could use to demonstrate your ability to pay back your loan. For example:

  • Social Security
  • Inheritance
  • Workers’ Compensation
  • Annuity
  • Settlement/Court-Ordered Award

How Much Money Could I Receive with a Car Title Loan if I Don’t Have a Job?

The amount of money you may be able to receive with a car title loan depends on a few different things. Traditional lenders place a lot of weight on your credit score when deciding whether to lend you money. Car title loan lenders on the other hand, give minimal weight to your credit history.Instead, they are concerned with the equity in your car, your ability to repay your loan, and other factors.

What Else Do I Need to Obtain a Car Title Loan?

If you’re interested in obtaining a car title loan, there are some documents you’ll need to gather in addition to your proof of income. You’ll need:

  • A qualifying title for the vehicle in your name
  • Photos of the front, back, and sides of vehicle
  • Proof of residence (utility bills)
  • A government-issued photo I.D. (driver’s license or state I.D.)

Some car title lenders don’t require you submit photos of your car. Instead, the lender may have the potential borrower drive their car down to the lender’s brick and mortar location. This is great for borrowers who may not have access to a digital camera that they can use to take photos.

Do Car Title Loans Have Hidden Fees?

Some car title lenders try to take advantage of their customers with confusing language and hidden costs. Reputable lenders do not do this. Reputable lenders strive hard to ensure that their loan agreements are simple and easy to understand. They do not include balloon payments, so borrowers are not hit with huge payments at the end of their loan. Nor do they include prepayment penalties. Instead they encourage borrowers to pay their loans back as early as they would like. It’s critical that you read your entire loan agreement and ask your customer service representative any questions you may have. They should be happy to clear up any confusion.

Can I Obtain a Car Title Loan if I can’t find my Car Title?

If you don’t have a copy of your car title, you’ll need to obtain a new copy from the DMV. There are some DMV locations capable of giving you an expedited copy. If you’re having trouble locating a DMV, the helpful staff at Max Cash Title Loans are happy to try to help you find the nearest DMV able to provide you with an expedited title. Depending on the circumstances, they may be able to assist you directly with your new car title.

Can I Obtain a Car Title Loan if I Have Bad Credit? What About No Credit?

Traditional lenders often deny people loans based on their credit score. Even if they have reliable income! Car title loan lenders don’t turn their noses up at borrowers just because they may have a few hiccups in their credit history. As mentioned, car title loan lenders are much more concerned with your ability to pay your loan back, whether through a job or some other source of income, and the equity in your car.

Don’t let the fact that you don’t have a job keep you from trying to obtain a loan. A car title loan lender may be able to provide you with the emergency money you need to cover your unexpected expense, potentially in as little as one business day after you submit your documentation.

If you’ve got a qualifying car title in your name, don’t hesitate to reach out to Max Cash Title Loans! We may be able to find the perfect lender to potentially resolve your financial problem! Have more questions? Check out the Max Cash Title Loans FAQ page and see if there’s an answer there!

Can I Obtain a Personal Loan when Unemployed?

When you want to get a loan, most lenders you may consider approaching regardless of the type of loan you want to take out will require you to have some form of stable employment. If you are currently unemployed, you may be out of luck with many kinds of lenders. However, do not fret and think that because you are unemployed, all hope is lost.

Even if you are not presently employed, there are still lenders out there who could still provide you with the emergency funds you need to get through a financial difficulty.

When applying for a loan, it helps if you have some other form of steady income, such as:

  • Court awarded payment/settlement
  • Inheritance
  • Under the table work
  • Annuity
  • Unemployment or severance pay
  • Worker’s Compensation
  • Social Security benefits

What Kinds of Personal Loans Can I Get if I am Unemployed?

Because you are without any form of steady, regular income, your personal loan options are fairly narrowed. You will more than likely not qualify for an unsecured loan (which are loans that do not require collateral). However, if you have valuable assets like a house, a car, or some other valuable possession, then you may be able to get yourself qualified for a secured loan.

Because you would be able to provide collateral, your lender would not feel as nervous about lending money to you. By providing collateral, the lender would know that even in the event of default, they would still be able to make back the money that they lost.

Be Aware of Not So Honest Personal Loan Lenders

It is important to be aware of any personal loan lenders who might try to take advantage of you in your moment of financial need. There are just as many disreputable lenders as there are reputable ones maybe more. Disreputable lenders could offer incredible loan offers that seem like the solution to a current predicament, but they could instead lead you to further trouble. Signs to look out for include:

  1. The lender contacts you (over the phone, though physical mail, email, door to door solicitation, etc.) rather than you reach out to them.
  2. The website for the lender is not secure (URL doesn’t have a lock symbol or start with https).
  3. The lender wants you to have a prepaid debit card.
  4. The lender puts pressure on you to act quickly.
  5. The lender does not care at all about your payment history.
  6. The lender is not registered to do business in your state.
  7. The lender does not have any kind of physical address.

If you notice that the personal loan lender you are speaking to has checked off one or more of the points on this list, then you will want to back out immediately and look for a more reputable source of funding.

Fortunately for you and all the rest of our valued customers, Max Cash only works with the best personal loan lenders out there. None of our lenders will play any tricks or pull wool over your eyes when you do your personal loan related business through us.

It is just straight up honest business when you deal with Max Cash and our network of reputable personal loan lenders. If you are eligible, we can get you in touch with them in almost no time at all and potentially have you funded and on your way back to financial success in as little as one business day.