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

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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 job2.

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 employment5. 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.

Get in Contact With Us

If you have any questions about a past, present, or future car title loan or you need to talk to us for any other reason, you can get in touch with Max Cash Title Loans by:

  • Calling or texting us directly at 1-855-561-5626
  • Emailing us at
  • Writing to us at 1270 E. Broadway Rd. Suite 208, Tempe, Arizona 85282