Can I get a title loan without a job?

Quick Answer Yes, you can get a title loan even if you don't have a job. Lenders often accept alternative sources of income like Social Security, SSI, and unemployment benefits as valid forms of income. As long as you can demonstrate a steady income, you may still be eligible for a title loan.

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Jack Woerner Answer updated on Jun 26, 2023

Fact checked by Dwayne Dumesle

If you are in a tough financial position because of lack of employment, you still have the option to get quick cash with an online title loan.

Lenders often accept alternative sources of income like Social Security, SSI, unemployment benefits, or even a family allowance as valid forms of income.[1]

Learn: Where can I get a title loan?

To be frank, as long as you can prove you got some legal cash flow, they don't care too much about where it comes from!😉

Here is a list of items you should be prepared to gather (these are all standard documentation requirements):

  • You'll need to prove that you have a steady income. This could mean providing a copy of your Social Security benefits statement or documentation of your unemployment benefits.
  • You will need to have a clean title for your vehicle, meaning that you don't owe anyone a dime for your car.
  • Your driver’s license is a must. It confirms that you’re not a scammer or a fraud and that you’re the real deal on the title.
  • Finally, most lenders will ask you for proof of residency. This could be a copy of your utility bill, your lease agreement, or your mortgage statement.

If you cannot prove a steady level of income, it will be challenging to get accepted for a title loan. A lender would be taking a risk because you can't prove that you would be in a position to pay back their loan.

Learn: What disqualifies an applicant for a title loan?

Remember, if you are on Social Security or paid disability, a title loan is not your only option based on your income source.😋 Personal installment loans are also lenient when it comes to proving regular income. So, don't lose hope and keep shopping around!


  1. How Do I Get a Car Title Loan With No Income Verification? ↩︎

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