Can I get a car title loan without a job?

I’ve lost my job and am short on funds. Can I get a car title loan if I'm unemployed?

I’m sorry to hear about your job!
Title loans are only legal in 20 states, so whether you can get one will depend on where you live. That said, many lenders offering title loans do not require proof of income or credit scores. What they do require is:
  • Valid ID
  • Name
  • Address
  • Phone number
  • Email address
  • Information about the car for which you want to get a title loan
Keep in mind, you have to be at least 18 years old to apply for any loan.
Because these types of loans can be dangerous and considered predatory, it may be smart to consider other options first. Some options include:
  • Talking to whom you owe money (credit card or loan companies) and ask for extensions or short-term help
  • Ask friends and family for help
  • Check local community resources like churches or libraries for financial advice programs/assistance
You can also look at other places to cut or reduce costs. The Jerry app saves the average user $879 a year on their car insurance. Jerry pulls quotes from the top 50 companies in under a minute and delivers the best deals right to your phone.
Lauren Smith
Answered on Nov 02, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.

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