How to get a loan with no job?

The need for emergency cash often arises at the most inopportune times, such as a period of unemployment. Because the situation is an emergency, it carries a sense of urgency and cannot be put off until circumstances have changed. In many cases, the lack of employment eliminates one’s ability to obtain a loan from traditional lending sources such as a bank, and it may make it difficult for family or friends to loan you the cash that you need. At Title Pro, we offer title loans in which you use your vehicle as collateral; however, one of the questions that people might ask is, “Can you get a title loan without a job?” Depending on the answer to that question, you may also want to know how to get a title loan without a job.

We do understand that life happens, and some of our potential customers are recently unemployed, disabled, or self-employed. When you seek cash through us, it’s natural to wonder, “Can you get a title loan without a job if you have another income source?” If you are applying for a Title Pro loan, you should have some form of income that will allow for the repayment of the loan, which is done in monthly installments. Because we do check your credit, one of the requirements to qualify for a title loan with us is that you must also have a satisfactory credit score. Ultimately, although employment status isn’t a defining factor in our decision to approve a loan, having a job is important, as it will not only ensure that you are able to make payments on time, but it will also be of assistance when it comes to maintaining a healthy credit rating and can help your financial status in general.

In some states having verifiable income is key when it comes to answering the question of how to get a title loan without a job. Applicants from some states are required to show some form of documentation that verifies that they have a source of income. We currently accept a number of different types of income, including but not limited to disability payments, unemployment insurance, and retirement income. Regardless of which state you live in, you will also need to meet all of our other qualification requirements. This includes meeting our minimum age requirement, which is 18 years old in most states and 19 in Alabama. Your vehicle must have a clean title and be in your name. As proof of identity, we also require some form of valid government-issued identification. Applicants must have a checking account that is in their name and active in order to get the money sent through electronic transfer, and a valid phone number and email address are required. If you are a resident of South Carolina, you will also need to provide proof of residency.

If you have questions about our policies regarding employment and income, we are available to help. You can contact us by phone Monday through Saturday during our regular business hours to speak with a member of our customer service staff. You may also leave a message anytime by sending an email and we’ll get in touch with you as soon as possible.

If you’re ready to apply for a title loan through Title Pro, why wait? Fill out our convenient online application to see how much you can get today!

  • * Loan transactions completed before 4pm CST on the same business day may be eligible for same day funding.

    To qualify for a Title Pro loan, applicants must satisfy all Title Pro eligibility requirements including, without limitation, an unencumbered motor vehicle title, satisfactory vehicle appraisal, verifiable identity, a minimum satisfactory FICO® score, valid and verifiable email address, valid and verifiable bank account and, in some states, minimum verifiable income. Applicants must be 18 years of age or older (19 in Alabama). Title Pro reserves the right to require all applicants to submit documentation to validate loan eligibility requirements. Available loan amounts, repayment periods and applicable finance charges vary by state and are governed by state law and the Title Pro loan agreement. Refer to the States and Fees page for further details on Title Pro’s licenses, available loan amounts, and loan pricing.

    Title Pro currently does business only in South Carolina, Georgia, Alabama, California, New Mexico, and Utah. If Title Pro is not able to approve you for a loan, or if you reside in a state where Title Pro does not currently do business, you may request Title Pro to refer you to another creditor who may be able to assist you with your credit needs.

    In South Carolina, Georgia, Alabama, California, New Mexico, and Utah, all Title Pro loans have a contractual term of 36 months. Following is a representative example of a $3,500 Title Pro loan.

    In South Carolina, Title Pro makes motor vehicle title secured supervised loans authorized by the South Carolina Consumer Protection Code, § 37-3-501 et seq.; Title Pro does not offer short-term vehicle secured loans as defined by South Carolina Consumer Protection Code, § 37-3-413.

    Loan Proceeds Title Fee (amt. varies by state) Finance Charge Payment Schedule+ 36 payments of: Total of Payments Annual Percentage Rate (APR)
    $3,500 $15.00 $2,279.30 $160.96 $5,794.30 35.98%
  • + The loan example above assumes a monthly payment schedule with payments due on the same date of each month – actual monthly payment amounts and APRs may vary depending on the month and date of loan origination. The final scheduled payment amount typically differs from the standard payment amount.
  • - California customers: In California, the minimum loan amount is $2600. Loans are made by TMX Credit, Inc. d/b/a Title Pro, California Finance Lender Law License No. 603 J737. Refer to the States and Fees page for further details.

    The minimum contractual term of a Title Pro loan is 36 months, and the maximum contractual term of a Title Pro loan is 36 months. The maximum annual percentage rate (APR) for Title Pro loans is 35.99%.