How to Get a Title Loan without Income

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The onset of the Covid-19 pandemic caused a lot of financial hardship all across the world. Americans saw huge numbers of unemployment. Losing your primary source of income is very anxiety-inducing. It can even worse when one is not able to get the funding they need because of that income loss. If you are considering a title loan for some quick emergency funding, then you may be wondering how to get a title loan without income. Car title loans have a lot of flexibility in their approval factors. The majority of the basis for qualification lies in the value of the borrower’s car.  

Max Cash® Title Loans thinks that you should have all the details you need upfront. That way, you can make the most well-informed decision possible! If you are looking to get a title loan without income, keep reading below. It is possible to qualify for a car title loan with nontraditional income!5

How a Title Loan Works

Title loans set themselves apart from other more traditional personal loans through their secured nature. The loan value is secured through the use of one’s car equity as collateral. This makes it significantly easier for individuals who might have a hard time being approved for other loans to obtain a title loan. 

How title loans work from top to bottom is rather simple:

First, you fill out the online inquiry form and go through the other steps to see if you are approved. If you are approved, you will get to review the contract and discuss your loan terms with your title loan agent.

After signing the contract, you will hand over your title to the lender, who will then place a lien on it to secure the loan. You can drive off in your car and continue using it as you usually would! Just keep making your monthly payments on time. 

Once you have paid off the loan in full, the lender will remove the lien on your car’s title. Then, it is returned to you completely free and clear. 

Title Loan Qualification Factors

Since title loans are secured, they tend to have a different focus when it comes to qualifying factors. For instance, title loan lenders are less concerned with your credit score. Instead, they will focus on the equity in your vehicle and your ability to repay your loan. 

When reviewing your application, title loan agents are going to be most concerned with the following:

Car Equity Value

Likely the most important of all the factors considered in determining your eligibility for a car title loan is the total positive equity that can be found in your vehicle. This is because it is how your loan is secured so there must be enough value in your car to justify the amount that you are lent. You can get an idea of your car’s trade-in value on Kelley Blue Book.

Ability to Repay

The second most vital factor in getting approved is your ability to show that you can afford to repay the loan through regularly scheduled monthly payments. This can cause concern for those who have less traditional income sources, or those who are currently unemployed. However, many different kinds of income can be accepted as proof of your ability to pay. It all depends on the lender and what they accept as proof of income.5

Title Loan Qualification Process

If you are looking to get a title loan without income, you may be curious about the inquiry process. Before we get to some of the acceptable proofs of income that might surprise you, let’s take a quick look at the qualification process as a whole. Seeing if you qualify for a car title loan can be incredibly simple if you know what to expect.

Fill Out an Inquiry Form

Check out our online inquiry form on the home page of our website. Fill in the basic details it asks for about you, your income, and your car.

Send the Necessary Documents

A loan agent will then reach out and request a few important documents they need you to send in. This includes things like: identification, proof of address, and pictures of your car.

See How Much You Qualify For

Not long after, you will find out if you qualify for a car title loan and how much you can receive. After signing your contract and loan terms, you will be able to pick up your money fast. It could be as soon as the very next business day!

How to Show Ability to Repay the Loan

There are many ways to show that you have the ability to repay your loan that doesn’t rely on the standard traditional paystub. You can use nontraditional sources as proof of income!

Here are just a few examples:

  • Self-Employment: Even if you are a contract worker, work for yourself, or own your own business, you can easily provide proof of income through billing invoices or tax returns.
  • Government Assistance: Many lenders take different forms of government assistance as proof of income, especially if it is not set to expire soon. Depending on the lender, you could still qualify using all sorts of assistance programs- from disability insurance to unemployment insurance.
  • Retirement Income: If you are retired and live off of either your retirement account or your pension /social security benefits, those can be used as proof of income. That could allow you to qualify, as long as the amount is substantial enough to show your ability to repay the loan.
  • Worker’s Compensation: If you were recently injured on the job and are not working currently, receiving worker’s compensation is just as valid as any paystubs you might be receiving on the job. You can use that documentation as your proof of income, no problem at all!

If you are interested in seeing if you could qualify for a car title loan in your current situation, all you need to do is fill out our online inquiry form! You can find out today if you pre-qualify with no obligation to continue in the process.