Can I Be Retired if I Need a Title Loan?

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 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


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

Can I Be in Retirement if I Need a Car Title Loan?

You made a lot of plans around your retirement and a large, unexpected expense could really disrupt things. If you’re considering getting a loan to spread the cost out over several months, instead of paying all at once, you may have come across car title loans. If you’re wondering whether you could get a car title loan while you’re retired, Max Cash Title Loans has the answer for you. They also have the answer to a number of other common car title loan questions people just like you have asked.

Are Car Title Loans Available to Retired People?

You bet! Being retired isn’t a barrier to getting a car title loan. Car title loan lenders are more concerned with your ability to repay the loan and the value of your car.

What Do I Need for a Car Title Loan?

Whether you’re retired or not, you’ll need the same documents when you apply for a car title loan. Some things you’ll need are listed below.

You should note that this list isn’t comprehensive, and some lender’s requirements may be a little different. You’ll need to speak with your lender about their specific requirements.

  • Qualifying title for the vehicle in your name
  • Photos of the front, back, and sides of the vehicle
  • Proof of residence (certain pieces of mail)
  • Proof of income
  • Government-issued photo I.D. (driver’s license, state I.D., passport, etc.)

Did you notice how you’ll need photos of your car? That’s only with some lenders. Part of the car evaluation process involves inspecting your car, to help figure out how much it’s worth. As previously mentioned, not all car title loan lenders require photos of your car as part of the car title loan process.

Lenders that don’t require photos do require potential customers to bring their vehicles down to a brick and mortar store for an in-person inspection.

What is Considered Proof of Income for a Car Title Loan?

If you’re retired and you’re concerned that the only way to show proof of income for a car title loan is a recent pay stub, you may set your worries to rest. There are actually plenty of different ways to demonstrate your ability to repay your car title loan. You could use the following:

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

Are there Hidden Fees with Car Title Loans?

Some lenders try to take advantage of their customers through confusing loan terms and hidden fees. Reputable lenders don’t do this. Instead, reputable lenders do their best to create loan agreements that are not only clear, but also easy to understand. And, their customer service representatives are happy to explain anything borrowers are confused about.

Reputable lenders also do not include balloon payments. This means that borrowers will never get hit with an enormous payment at the end of the life of their loan. Nor will they ever be subjected to prepayment penalties. Reputable lenders don’t punish borrowers for trying to pay their loan back early.

Will Bad Credit or No Credit Keep Me from Getting a Car Title Loan?

Unlike traditional lenders, who are extremely concerned with your credit score, car title loan lenders aren’t as concerned with credit history.5 Car title loan lenders are more interested in the equity in your car and your ability to pay back your loan.

While it may be necessary for lenders to take a look at your credit to verify that you aren’t in bankruptcy proceedings. Other than that, your credit score has minimal impact on your ability to obtain a car title loan.

How Much Money Could I Get Through a Car Title Loan?

The amount of money you could get through a car title loan depends on a few different factors. The most important are your ability to pay the loan back and the equity in your car.

Can I Get a Car Title Loan if I Don’t Have My Car Title?

If you don’t currently possess your car’s title, in your name, you’ll need to obtain a new copy from the DMV. Some DMV locations are even capable of providing you with an expedited copy of your car title loan.

The helpful staff at Max Cash Title Loans may be able to direct you to the nearest DMV capable of providing you with an expedited car title. In special circumstances, they may even be able to assist you directly with your new car title.

Just because you’re retired doesn’t mean you can’t get a car title loan.5 If you have any other questions about how car title loans work, Max Cash Title Loans is here to help. They are well-connected to the car title loan industry and are happy to try to help you with whatever you need. Reach out today!