Yes, you can get a title loan with no insurance, but it depends.
Some lenders will have no issue accepting your title loan application without proof of insurance, while others will not.
That said, I don't need to be your parent and also remind you that laws in most states require all people with a vehicle to have insurance 😁.
To be clear, insurance isn't one of the common requirements for a car title loan. Again, this doesn't mean that a lender in your state won't ask for your proof of insurance. Even in one of the states where car insurance is not mandatory, a lender may still ask for proof of insurance.
Here are some tips to keep in mind if you need a title loan, but don't have insurance:
- Call ahead: Before you apply, call the lender and ask if they require insurance. Easy peasy! If they do require it, you'll know to keep dialing for dollars. ☎️
- Purchase insurance for the life of the loan: If you are not having any luck finding a lender who will let you skate without insurance, just get some temporarily. You can often put down less than 10% of the policy premium and have proof of insurance within seconds.
Personally, since you asked, it is probably in your best interest to be driving with insurance. But, if you are staunchly against the whole insurance-thing, maybe you should try an personal installment loan. There are no cars involved at all!