Title Loans Without Proof of Income

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    Get an instant approval decision from a lender

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    Receive the cash into your account within 24 hours

    In case you are approved, and you're most likely to be, the money will be deposited into your bank account within 1 - 2 business days, or even same day if you apply as soon as possible.

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Author: Andrew Williams

If you are looking for a Car Title Loan with no income verification, read the following information to find out what you need to get the money.

title loans with no income verification

Requirements and documents for obtaining a title loan

If you do not know how to show proof of income if paid in cash, read the following information, which will help you find out what you need to get a loan.

If you find yourself in an emergency, money may be urgently needed. However, it can be difficult to get a title loan if you do not have a job. Thus, you can study the information on how to get a loan when you do not have a traditional source of income.

Oftentimes, many people need emergency funding. This can be anything from unexpected bills to necessary medical attention. However, getting money is not always easy. Those who own a car and its title often prefer to take title loans, as it is not only fast but also convenient. However, one of the main requirements affecting the approval of such a loan is the source of income. But what if you can’t provide it? Are there any options for obtaining car title loans with no income verification? Let’s figure it out.

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Is it possible to get a title loan with no income?

A title loan is a secured type of loan that enables car owners to get financing quickly. Thus, the car is assessed and the borrower can get the amount he needs. The title of the car is transferred to the creditor until the debt is repaid in full. Of course, in order to make timely payments, you need to have income. However, is it possible to get title loans with no proof of income?

If you are currently unemployed, you probably think you may not be eligible for a title loan, but you are not. If you do not receive a traditional salary but you have access to consistent income, you can still apply and get a loan!

Although most people think that in order to be approved they have to produce a paystub from a job, this is not always true. For many lenders, “proof of income” is not always the same as proof of employment. Thus, if a person doesn’t have a job, it doesn’t mean that he has no money.

How to qualify for title loans with no proof of income?

As you know, title loans have flexible terms that are convenient for most borrowers. Thus, if you are in need of quick funding, this might be a good option for you. Of course, unlike bank loans, title loans can be obtained even with a bad credit history. So, even if you have bad credit, you can still apply and get approved.

So, as a rule, title loans have two main requirements. First, the borrower must be able to make regular payments in order to cover the loan debt, and second, have a car title in their name. So, if you are temporarily out of work, but can make payments on time every month, you may be approved.

What documents do you need to provide for title loans if you have no proof of income?

Typically, a title borrower is eligible to receive a title loan without proof of income. However, in order to do this, you must show an alternative income if you are not receiving a traditional salary. So, if you can prove it, you can get the loan you need in order to solve your emergency problems.

So, study the documents that can be used if you do not have a traditional income:

Bank Statements

This can be a good option for those who are unemployed but have savings. In this way, you can show recent statements to a loan agent as proof that you are capable of making payments every month. So, instead of using your savings fund to pay your emergency bills, you can inquire about title loans and pay them in smaller installments. Thus, it will be easier for you to deal with the problem this way, as it gives you time and money to live.

Social security benefits

For many lenders, social security benefits are also proof of income. Since these are also payments that you receive on a monthly basis, you need to provide proof and your title loan application can also be approved.

Are there any other options to prove you have money?

Of course, not every person has a traditional job, but it is also possible to prove that he receives payments. Thus, some lenders are flexible in the proof of income options. Thus, you may have “under the table” income. This usually means that you receive money, usually cash, from an employer for work done. So, if this is your case, then your employer can sign a letter stating your name, the services you provide, and the money you receive. Some lenders accept this letter as proof of income. Also, in order to receive a loan, your bank statements must reflect the cash deposits you receive.

Some lenders also accept annuities. Annuities are funds that produce a steady income for a fixed period of time. Typically, people use this money for retirement (just like social security benefits).

If you receive an inheritance or trust fund monies, this can also qualify as proof of income. If you receive this money on a regular basis, it can be considered as income even if you do not have a traditional job.

Workers’ compensation payments also can be proof of income, as these are payments that your company provides to you over a long period of time. Thus, if you receive worker compensation payments, it is also a source of income.

Additional Documents Needed to Get Title Loan

As stated, if you do not have a traditional income, you can use alternative options in order to obtain a title loan. However, in addition to income, you need to provide other car documents. Explore the list of the main ones:

  • Car Title. Of course, in order to get a title loan, you first need to have a car title in your name. If the title is not in your name, you could request a title transfer at a DMV. So, remember that this is one of the main factors that affect your approval.
  • Proof of residence. In order to request title loans in a particular state, you need to provide a proof of residence. Typically, you can provide documents such as house deed, rental agreement, credit card statements, utility bills, and others.
  • Identification. Of course, in order to apply for a loan, you need to provide an a government-issued photo ID. Typically, you can show the driver’s license, passport or state ID.
  • References. Some lenders may also ask you to provide professional or personal references.


Despite the fact that financial difficulties happen to most people, it is worth remembering that there is always a way out. If you own a car and its title, you can always get a title loan. Even if you have a bad credit history, your application can still be approved. You can also get a loan even when you do not have a traditional job.