Can I Get a Car Title Loan Without a Job?

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Are you currently in the middle of a bit of a financial rough patch? You are not alone. The last few years have been a trying time for a lot of Americans. If you think you could benefit from some emergency funding to help you get back on your feet again, it might be worth looking into a car title loan. These loans tend to be quick and convenient, which is why they are excellent options for those in tough spots. But can you get a car title loan without a job?

Luckily, you don’t need to be worried! The qualification requirements for a car title loan are not quite as stringent as other personal loans. You can still apply for a car title loan with nontraditional income. Don’t worry if you don’t have a 9-5!

What Are Car Title Loans?

Car title loans are able to have far more flexible requirements for the qualification. This is because they are a unique kind of installment loan that is secured through collateral. Unsecured loans rely heavily on a borrower’s credit score which is why so many people get rejected. 

On the other hand, a car title loan uses the equity in your car as collateral to secure the loan. This minimizes the risk and reduces the need for a perfect credit score! This means it is possible to be approved for a car title loan despite poor credit. You could even apply with a past bankruptcy.

How Do Car Title Loans Work?

 If you are looking to get a car title loan without a job, you may have some questions. The process is surprisingly simple!

Once you are approved for a car title loan, the lender will place a lien on your vehicle’s title. which they keep. However, you get to drive off in your car and use it as you usually would throughout the life of the loan as long as you keep making the regular monthly payments.

After you have paid down the loan in full, the lender will remove the lien they placed on your title and return it to you completely free and clear. 

But the best part of the whole title loan process is that you are able to be approved even if you don’t have a traditional kind of income because the determining factors for a car title loan are not like standard personal loans.

Determining Factors for a Car Title Loan

Since your credit score is not as vital and your car is used as collateral to secure the loan, the most important factors in being approved for a car title loan include your car’s equity value and your ability to repay the loan.

Vehicle Equity

The main basis for your approval for a car title loan and how much you can be approved for depends on the positive equity value that can be found in your vehicle. There needs to be enough equity that you own in the car to warrant a loan of whatever amount you are looking to receive.5 

Ability to Repay

The second most important qualifying factor to obtain a car title loan is what lenders call your “ability to repay the loan,” and this is usually shown through your proof of income. However, your proof of income can look many different ways depending on how you make money. It does not need to look like the standard pay stub. 

Non-Traditional Income Proof for a Car Title Loan

There is a whole myriad of options available to you to prove your ability to repay your car title loan. It is possible to get a car title loan without a job! Usually, you just need to prove you are able to afford your loan payments.

Below are some of the less traditional types of income that you can use:

Government Assistance

If your main source of income or a portion of it is some form of government assistance, then that can be used as proof of income. Depending on your lender, many different forms of government assistance can be valid for proof of income. Typically, it can be disability insurance, and some lenders even accept unemployment insurance.

Rental Property Income

Rental property income can be an excellent form of passive income. It can definitely be utilized to show that you have the ability to repay your title loan. All you need to do is provide some documentation of this rental income to the lender!


You may not have the more typical pay stubs when you are a self-employed individual, but you likely have a perfectly satisfactory flow of income. To show that, you can provide some previous year’s tax returns, some of your billing invoices, or a couple of bank statements.

Retirement Income

If you are currently retired and therefore living off of a retirement account or receiving pension and/or social security benefits, then you can still qualify for a car title loan!5 Simply show proof of what you receive monthly or copies of your retirement account statements! It’s as easy as that.

If you would like to see if you qualify for a car title loan with one of these less traditional forms of income, you can see if you pre-qualify today! 5 Simply fill out our online inquiry form. You can get a free estimate at absolutely no obligation to you! 5