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Where can I get a loan without a car title?

My job let me go suddenly, and now I can't pay my rent. I need some extra cash, but I don't have the title to my car. Where can I get a loan without a car title?

avatar
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear you lost your job and you’re having trouble paying your rent. Since you don’t hold the title and still have a
loan on your car
, you could get an auto equity loan instead.
An auto equity loan uses your car’s
actual cash value
 instead of the title to determine your loan. You must have positive equity in the vehicle for this option. To find out, subtract the remaining amount of the car loan from the actual cash value.
As a warning, auto equity loans have high-interest rates. If you cannot pay it back, you risk lowering your credit score and having your car repossessed. If you’d like to look into auto equity loans, check with credit unions or online lenders.
Another way you can save some extra money is with the
Jerry
 app. Jerry compares 50+ top providers to ensure you’re always getting the best rates and coverage. Jerry users save an average of $879 a year!
MORE:
Here’s how to save money on car expenses
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