How to Get a Car Title Loan With No Income Verification

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If you need a loan in a hurry and don’t have a job or good credit, a car title loan allows you to surrender your vehicle’s title as collateral for a loan without income verification. 
It’s possible to get approved for a car title loan without income verification. Car title loans are a way to borrow money fast and a great alternative for people with poor or no credit. Think you won’t qualify because you don’t have a job?—think again.
If you are considering applying for a car title loan, make sure you’re also getting the best rate on car insurance. With the click of a button, super app Jerry will find the insurance policy that is right for you. 

What is a car title loan?

Car title loans allow those in need of quick loan funding to use their car as collateral by temporarily giving up the title. 
Unlike traditional bank loans, car title loans don’t require the borrower to have a really good credit score. You are also likely to receive the funds faster (sometimes in the same day)  than with a standard bank loan. 
The risk is that if you are unable to pay back the loan, the car being used as collateral can be seized by the lender. If you use your car as a daily method of transportation, losing it could cause a lot of complications to your lifestyle.  

How to get a car title loan without income verification

Qualified borrowers must have a car title in their name and proof that they can make monthly payments on the loan. 
A lender may want to cross-reference your reported source of income with your bank statements to confirm you receive this money on a regular basis. 
As long as you have some kind of income coming in, you will be considered for a car title loan. All you have to do is show the lender an alternative income source

Proof of income isn’t always a job

There are lots of ways to make income besides earning a paycheck. These include:
  • Under the table employment 
  • Social security benefits 
  • Annuity 
  • Inheritance 
  • Trust fund
  • Settlement
  • Severance pay
  • Worker’s compensation benefit
If you can demonstrate one of these forms of income, you should be able to get a car title loan. Get your boss to write you a letter confirming that you’re paid in cash, or provide bank statements and other documents demonstrating your financial situation. 
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Other ways to demonstrate financial reliability

  • If your credit history is good, give the lender a copy of your credit report
  • Provide personal or professional character references 
  • Submit confirmation of consistent rent and/or utility payments to show that you take paying bills seriously
Key Takeaway: You can get approved for a car title loan using sources of income other than a paycheck.

Requirements for loan approval without income verification 

If you’re applying for a title loan with no proof of income, you’ll need to meet a few basic requirements. You must be the owner of your vehicle and at least 18 years old. Additionally, no liens can be on the vehicle when applying for the loan. 
You can apply for a car title loan in person or online with the following materials:
  • Car title in your name
  • Government-issued photo ID
  • Proof of residence
  • Your car

How can the lender see my car if I apply online?

You will be asked to submit photos and/or video of your vehicle so the lender can determine its value. Value is determined by:
  • Make
  • Model
  • Year
  • Mileage
  • Factory upgrades (think heated seats, navigation system, backup camera) 
Key Takeaway: You can only apply for a car title loan if you are the owner of the vehicle and at least 18 years old.  

Insuring your car while under a title loan

While a car title loan may be the right solution to alleviate a temporary financial need, finding the cheapest car insurance possible is always a good idea! 
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All you have to do is provide the lender with verification of how you get money. If you are not earning a paycheck, you will need to show that you have an alternative source of income.  A letter from your boss stating that you get paid in cash or documentation of social security payments received are some examples. 
And remember, for help getting the right insurance policy to suit all your needs, Jerry is here for you.

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