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

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!



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
People may lose their job from time to time. Whether from budget cuts, being in between projects, or some other reason, you can be left scrambling for money to cover an emergency expense. Once other sources of funding dry up, you may be wondering about the possibility of a car title loan even with no job.

If you’re wondering if you could obtain a car title loan when you don’t have a job, keep reading to find out! Max Cash Title Loans could have the answer, as well as the answer to a number of other common car title loan questions below.

Can I Obtain a Car Title Loan Without a Job?

There are a lot of people who think that the only way to show proof of income for a car title loan is through a recent pay stub from your job. This isn’t actually the case. There are a number of different documents you could use to demonstrate your ability to pay back your loan. For example:

  • Social Security
  • Inheritance
  • Workers’ Compensation
  • Annuity
  • Settlement/Court-Ordered Award

How Much Money Could I Receive with a Car Title Loan if I Don’t Have a Job?

The amount of money you may be able to receive with a car title loan depends on a few different things. Traditional lenders place a lot of weight on your credit score when deciding whether to lend you money. Car title loan lenders on the other hand, give minimal weight to your credit history.5 Instead, they are concerned with the equity in your car, your ability to repay your loan, and other factors.

What Else Do I Need to Obtain a Car Title Loan?

If you’re interested in obtaining a car title loan, there are some documents you’ll need to gather in addition to your proof of income. You’ll need:

  • A qualifying title for the vehicle in your name
  • Photos of the front, back, and sides of vehicle
  • Proof of residence (utility bills)
  • A government-issued photo I.D. (driver’s license or state I.D.)

Some car title lenders don’t require you submit photos of your car. Instead, the lender may have the potential borrower drive their car down to the lender’s brick and mortar location. This is great for borrowers who may not have access to a digital camera that they can use to take photos.

Do Car Title Loans Have Hidden Fees?

Some car title lenders try to take advantage of their customers with confusing language and hidden costs. Reputable lenders do not do this. Reputable lenders strive hard to ensure that their loan agreements are simple and easy to understand. They do not include balloon payments, so borrowers are not hit with huge payments at the end of their loan. Nor do they include prepayment penalties.3 Instead they encourage borrowers to pay their loans back as early as they would like. It’s critical that you read your entire loan agreement and ask your customer service representative any questions you may have. They should be happy to clear up any confusion.

Can I Obtain a Car Title Loan if I can’t find my Car Title?

If you don’t have a copy of your car title, you’ll need to obtain a new copy from the DMV. There are some DMV locations capable of giving you an expedited copy. If you’re having trouble locating a DMV, the helpful staff at Max Cash Title Loans are happy to try to help you find the nearest DMV able to provide you with an expedited title. Depending on the circumstances, they may be able to assist you directly with your new car title.

Can I Obtain a Car Title Loan if I Have Bad Credit? What About No Credit?

Traditional lenders often deny people loans based on their credit score. Even if they have reliable income! Car title loan lenders don’t turn their noses up at borrowers just because they may have a few hiccups in their credit history.5 As mentioned, car title loan lenders are much more concerned with your ability to pay your loan back, whether through a job or some other source of income, and the equity in your car.

Don’t let the fact that you don’t have a job keep you from trying to obtain a loan. A car title loan lender may be able to provide you with the emergency money you need to cover your unexpected expense, potentially in as little as one business day after you submit your documentation.1

If you’ve got a qualifying car title in your name, don’t hesitate to reach out to Max Cash Title Loans! We may be able to find the perfect lender to potentially resolve your financial problem!5 Have more questions? Check out the Max Cash Title Loans FAQ page and see if there’s an answer there!