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

Let’s get started

Get your cash today by filling out this form or for instant pre-approval call (855) 561-5626 2

  • 1
    Car Information
  • 2
    Your Information
  • 3
    Free Estimate
By Submitting the application, this is my express written consent that I certify that I am a US resident, at least 18 years of age and authorize this website, business owned by this site, lenders and/or their affiliates to contact me about my account by phone, automatic dialer, text message, voicemail messages, pre-recorded messages, mail, or email, and give information concerning this transaction to others if it is required to originate, fund, collect, or service my Account. I also certify that I agree to the terms of this websites Privacy Policy, Terms of Website Use, Consent to Electronic Disclosures, and Wireless Policy and that my consent is not condition of a purchase.

Application Submitted

Congratulations!

For a title loan your car is estimated to be worth:

Our office hours are closed but we will get back to you first thing in the morning.

Please wait one moment while we are connecting you with a loan representative.

Application Submitted

For a title loan your car is only estimated to be worth:

We Recommend a Personal Loan to Get More Money!

Continue with Personal Loan

Calculator

Want to know how much your payments will be? Use our title loan calculator to find out.

Max Cash Calculator
Big Phone Icon - Transparent and Black

Instant Pre-Approvals

Call us anytime seven days a week for instant pre-approvals! 2

(855) 561-5626

How Much You Can Get On Your Car Banner
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 agreements4. 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 early2. Nor will they subject you to balloon payments, enormous payments at the end of the life of the loan4. 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 back1.

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 expense1. Contact us today to get started.