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This is a very hard question people ask because the answer is never what people want to hear but here is the truth and I hope it will be okay with most of you. Better to know the facts then to live in a lie right?

The answer to your question of getting a loan with no job is you can’t. At least not from a professional institution as a title loan company. Read on because I have a solution that may work…

I know what you are thinking that why not? I mean why can’t you if you are securing the loan with your car. That’s the idea of a title loan right? To use your car as security in case to lower the title loan lenders risk. Wish it was that easy.

The truth is that title loan companies and payday loan companies are highly regulated. It’s not the lender. It’s the government. They have established laws that state very clearly that you must show “proof of income” AND that income must be enough to reasonably pay the monthly loan amount. Ahhh a loop hole… and you might have missed it. I did NOT say “proof of employment” I said income.

So income is determined by money you can prove you get on a regular basis. Disability would qualify. So would retirement pensions. Also self-employment. As long as you can show that you are depositing money into a bank account on a regular basis that should be enough.

The second part of this is the amount. If you are asking for $10,000 and the monthly payback is like $850 then is this about 25% of the monthly income? Use that as a benchmark. 25% of your income should be free and clear to make this payment but this is subjective so each lender has a little wiggle room.

LAST DITCH OPTION: The ugly option… a co-signer. Think long and hard on this because what you are doing is not just putting you at risk but your co-signer as well.  My suggestion to keep you mentally in good standing here is to find a 3rd friend or family member to “govern” the payments and loan. This way you are not putting the person you at in a position to hound you all the time. If things don’t work out a good 3rd party will have a btter chance at explaining things then you would.

 

Hope this helps and never forget that you should never borrow more than you could afford to pay back.