Emergency cash options are numerous, so if you need a little financial assistance, relax knowing that help is out there! Want a car title loan but are currently without a job? No sweat!1

ChoiceCash Title Loans offer flexible requirements that allow people in various financial situations to potentially get the monetary support they need.1 Keep reading to learn all about this emergency cash option!

How I Get a Car Title Loan without a Job?

If you are currently without a job but you want a car title loan, know that ChoiceCash Title Loans only have a few simple requirements. The four preliminary requirements include:

  1. Eligible borrowers must be at least 18 years of age
  2. Eligible borrowers must have a car title in their name
  3. Eligible borrowers must have a qualifying car
  4. Eligible borrowers must have proof of income

If you are without a job, you could still qualify for a car title loan through ChoiceCash Title Loans with alternative income.1 Even if you do not have paycheck stubs to show, you could prove your ability to make monthly car title loan payments through bank statements, government award letters, pension documentation, Social Security benefit statements, and more!

There could be a myriad of reasons as to why you are without a job. Perhaps you are in the midst of switching careers or you took time off to help take care of a loved one. No matter the reason, car title loans serve as a potential option for people that simply need a little extra money to get by.

Does My Car Qualify to Get a Car Title Loan without a Job?

To qualify for a car title loan without a job, your car must be valuable. A title loan company will make a pre-approval decision based on the equity in your car.

During the car title loan repayment process, the car is used to secure the emergency funds. A lien will be placed on the car title and will be removed once the loan is repaid in full. With ChoiceCash Title Loans, qualified borrowers get to keep driving their car while they make monthly payments!

To find out the equity in an asset, you will need to perform a simple calculation. Subtract the current resale value of the car by the remaining auto loan amount. If you own the car outright, the equity is simply the current market value of the car.

The value of a car is determined by various factors, such as:

  • Year: The year your car was manufactured could affect the value of your car. The newer a car, the more you could potentially get. ChoiceCash Title Loans accept various types of cars, so if your car is old, you could still qualify for a car title loan.1
  • Make: The make is the automobile brand. Common car makes include Toyota, Honda, Chevrolet, Nissan, etc.
  • Model: The model is the specific car that you obtained. Your car may be a Toyota, but is it a Corolla, RAV 4, Camry, or Prius? Some car models are extremely popular, and could help boost the value of your car for a car title loan.
  • Style: The style of your car includes the body style and the features that came included in the car.Some body styles include a sedan, convertible, station wagon, sports car, and more. If your car has exclusive features such as a sunroof or leather seats, you may potentially get more money.
  • Mileage: If a car has high mileage, it may still qualify for a ChoiceCash Title Loan but the amount may be less than a car with low mileage.1
  • Condition: The current condition is broken into two types, the interior and the exterior. If your car is in great condition, your car could be more valuable than a similar car that has cosmetic damage.

If you don’t know the current value of your car, you could visit a car dealership to get an appraisal in person or simply use an online equity calculator. ChoiceCash Title Loans offer free car title loan estimates for eligible people that are considering a loan.  

To get an accurate estimate, make sure you input the correct information for your car. If your car has enough value, it could be pre-approved for a car title loan and receive an estimate with no obligation! To continue with the approval process, you will have the opportunity to submit your contact information.

What Documents Do I Need to Get a Car Title Loan without a Job?

If you are currently without a job, you could use alternative income documents to get a car title loan through ChoiceCash Title Loans!1 But what other documents will you be required to submit? And how could you turn them in?

With online car title loans, eligible borrowers get the opportunity to upload all of their documents online. There is no reason for you to take time out of your day to visit a store in person to submit your documents. Instead, all you have to do is scan your paperwork online or take photos using a smartphone.

The documents you will need to provide for a car title loan are used to verify your identity, income, address, car ownership status, and current car condition. For examples of the types of documents you could provide as proof, review the list below.

Car Title

Your car title is absolutely necessary to get a car title loan without a job. If more than one name is on the car title, know that either party could inquire for a car title loan in most states.

Options to Show Proof of Identity

To prove your identity, you could show a variety of government-issued identification cards. Most people choose to show their driver’s license, state ID, or U.S. passport. With ChoiceCash Title Loans, you could also use your Individual Taxpayer Identification Number (ITIN) or Matrícula Consular ID.

Options to Show Proof of Address

To show a car title loan agent proof of your address, you could provide recent utility bills such as the water bill or gas bill. You could also show credit card statements, insurance statements, or recent tax returns.

Photos of the Car

Instead of going through an in-person car inspection for a car title loan through ChoiceCash Title Loans, you could just submit photos of your car. To show your car in the best light, park your car in a spot with natural light and plenty of room. Take photos of every angle, and hide nothing. You may also have to take a photo of the vehicle identification number.


For a car title loan without a job, you may be asked to provide references. You can usually choose to provide professional or personal references.

Why Get a Car Title Loan through ChoiceCash Title Loans without a Job?

People that are without a job could inquire for a car title loan, but with so many options available, which company do you work with?

ChoiceCash Title Loans are one of the best options out there for a number of reasons. Take a look at the exclusive benefits awarded to qualified borrowers below:

  • Bad Credit is OK: If your credit history is less than perfect, you could still be approved for a ChoiceCash Title Loan!1 The car title secures the loan, allowing for flexible requirements!
  • Rewards: If you continuously pay your car title loan on time, you could get rewards! Your monthly payment amount and interest rate could get lower and lower each month that goes by!2 Keep more money in your pocket every time you make a timely payment!2
  • More Emergency Money: With a car title loan, you could potentially get more money without a job than you could with other loan options! Cars are a valuable asset, and you could tap into the equity locked within it with a car title loan.1 In addition, if you need more funding while repaying a current car title loan, you could inquire for it and get it at your discounted rate!2
  • Repayment Freedom: Although considered a short term loan, you could potentially get more time for repayment with ChoiceCash Title Loans! And if you ever decide to repay sooner than your repayment date to save on interest, you could do so without prepayment penalty fees!
  • Fast Emergency Cash: If you are without a job and you need quick emergency cash, a ChoiceCash Title Loans could help you get money in as little as 24 hours after approval!1

How to Inquire for a Car Title Loan without a Job?

Being without a job can be stressful on your finances. A car title loan could help you reclaim financial stability and take care of any upcoming bills. ChoiceCash Title Loans offer amazing perks and flexible requirements that allow potential borrowers to use alternative income.

Inquire today by calling (855) 914-2945 to see if your car qualifies for fast emergency cash!