How to Get a Title Loan When Unemployed

Let's get started

Get your cash today by filling out this form or for instant pre-approval call (855) 561-56262

  • 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

For Fastest Service Call Us Now!


Thanks for Applying

Congrats! We received your application. You might need car insurance for your loan. Click here to compare rates.

Click to Find Insurance

Application Submitted

While we process your info we recommend also applying for a personal loan or credit card to get more money!

Click Here

Thanks For Applying!

We don't offer title loans in your state might be able to help with a personal loan or credit card.

Click Here

Thanks For Applying!

We got your application. If you need immediate cash try a personal loan or credit card offer and we will call you 1st thing in the morning.

Click Here

Thanks For Applying!

Congrats! We received your application. Click below for finance your new car.

Click Here


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

Yes, you can get a title loan when unemployed.

Here, Fred Winchar, President of Max Cash Title Loans, explains:

Hello, Potential New customer…

Fred WIncharI know right now, as you read this, you may be unsure of getting a title loan because the rates and payments are usually high. You are afraid that if you can’t make the payment, that you will get your car taken from you, and with the uncertainty of jobs and the economy, it’s simply scary right now.  I can’t take those fears away completely but what I can give you is my insider insight into getting a title loan when unemployed and why now is the most sensible time to get it. I can share with you what I am seeing on this side so that maybe you can get a better feel of this.

First, auto title loan lenders, for the most part, are taking unemployment insurance as a form of income. We have lenders who either will not pull credit or will take FICO scores of at least 450 or greater (which is pretty low). We even have a lender that will not pull credit AND they will not require income. Things are changing.

Car title loans are high-risk loans, both on your side and on the lender side. Lenders get worried that customers will not be able to pay back the loan and if they have to repo the security it will give them a bad reputation. There are no “title loan forgiveness” programs out there, but there are Title Loan Refinances, which can get you out of a sticky situation and maybe even with better terms than what you have.  Now, more than ever, they need to be flexible with the customer on the payments and definitely try not to repo the cars. No-one is buying auction cars because there is a glut of cars.  The damage to reputations that they worked so hard to clean up is at risk. Everyone will remember this time and the title loan companies will be seen either as the hero’s who loaned money out when everyone else would not or the company who kicked the customers when things already were hurting.  We even have lenders that reduce their interest rate every month! Talk about flexibility.

I don’t want to say that if you fail to make your payments you will not get your car repo’ed. What I am saying is the lenders are going to do everything humanly possible to make it work out.

On your side is so much uncertainty.  Not knowing when you will get employed or the country getting out of the worse economic recession in decades. We are all turning to each other… family, friends… everyone who could help to take the pressure off and it’s a lot of pressure. But I implore you to see what that pressure is doing to you and your family. People are drinking and drugging more. Suicides are rising. Domestic Violence is growing. Please don’t think that this is not affecting you and everyone else. It is.

So what would a title loan do for you at this time? For starters it would, at least for a while, let you exhale. It would give you time to stop acting in fear but rather doing the things you could do to make it better. We all could only handle so many problems at one time. Too much uncertainty is very, very bad for you.

So right now, fill out the information form. It’s only a few questions. Talk to someone at my company. Get a solution in play. Take the loan or don’t. Either way, you acted and that alone will empower you to make things better for you.

I wish you all the best

– Fred