Written by Content Team 

Cash loans can be a great financial resource if you’ve had an unexpected expense or emergency happens. Unexpected expenses can be everything from an emergency vet bill to a tooth repair if you are underinsured. Cash loans could cover these expenses easily, but can you receive a cash loan without identification?

The answer is simple! If you want to receive a cash loan but you aren’t sure you have the right ID, you need a loan that is flexible in all aspects. Loan options like ChoiceCash Title Loans were designed with the customer in mind. The approval process is streamlined and flexible to help borrowers from all different kinds of financial circumstances!1

How Can You Receive a Cash Loan Without Identification?

To apply for a cash loan, you will need some form of identification. This identification is often a government-issued photo ID. This helps your loan company verify your identity, and confirm it is you applying for the loan-especially if it is an online loan!

Title loans are a type of cash loan that is flexible during the approval process. All different types of government-issued identification are accepted! Some of the most common forms of ID are:

  1. Military IDs
  2. Passports
  3. State ID
  4. Real ID
  5. Driver’s License

If you have misplaced one form of ID, there are others to choose from! If you do not have a passport or Real ID, you can easily use another option. If you are completely without identification, you may still have options. Discuss them with a ChoiceCash Title Loan agent today at (855-422-7402) 855-422-7402! There may still be a way for you to receive a cash loan without identification.

What other Documents Do I Need to Apply for a Cash Loan?

Title loans can be flexible and easy to apply for online, but they do require a few documents. In addition to your photo ID, you will need to submit a few documents during the approval process to verify your information.

These documents help verify your state, residential address, income, and vehicle ownership! All of these factors help determine if you are qualified for a title loan.

While every state is different and the necessary documents may change, you can expect to need:

  • Your Vehicle’s Title: Like the name would suggest, your car title is very important to the title loan process! The car title is used as collateral for the cash loan. This document must be in your name to verify that it is your vehicle. If the title is currently not in your name, you will need to transfer it to you at your local DMV before you can apply for a title loan.
  • Proof of Address: To verify your identity, you must provide proof of your residence. Often, future borrowers will use a recent utility bill, rental agreement, or other types of official mail. You can even use your last credit card statement!
  • Proof of Income: This is another important part of your loan! Your income is used to determine your eligibility and it is also used to calculate your loan amount. During the approval process, a loan agent will take a look at your income-to-debt ratio and see what can afford to receive through a cash loan. To verify your income, you will need to provide bank statements, pay stubs, or any form of alternative income like Social Security payments/disability.
  • Recent Photos of the Vehicle: For some title loans, an in-person vehicle inspection is required to determine the condition of the car. With loan options like ChoiceCash Title Loans, however, you can skip this by sending in a few photos of your vehicle! Simply take photos of the front, back, and sides of the car with your smartphone. Make sure to take several photos and take a photo of the VIN (Vehicle Identification Number) and the odometer. The odometer is located on the dashboard and indicates your mileage. The VIN can usually be found on the driver’s dash side of the door on the exterior windshield. This information helps verify your car and its condition!

If I Receive a Cash Loan Without Identification, What Can I Use My Cash For?

Cash loans like title loans are meant to help in a financial emergency. Your financial emergency may look different from another borrower, but both are important! No matter what your crisis is, a title loan could help cover it.

If you receive a cash loan without identification, you can use your cash for a variety of options. Here are some of the most common ways that a title loan borrower can use their funds:

  • Hospital Bills or Other Medical Expenses
  • Funeral or Wedding Expenses
  • Home or Car Repairs
  • Home Renovations
  • Costly Procedures and Surgery
  • Veterinarian Bills
  • Rent or Mortgage Payments

Whatever your financial emergency is, a title loan is a cash loan that can help cover it. If you need cash fast, a title loan could be your best option! With loan options like ChoiceCash Title Loans, approved borrowers can get their cash in as little as one business day.1 If you’re in a financial emergency, time is of the essence!

What is the Approval Process to Receive a Cash Loan Without Identification?

Car title loans are some of the most flexible cash loans to apply for online. With loan options like ChoiceCash Title Loans, you can start the approval process in just three easy steps:

  1. Send in Your Information: You have the choice of applying online or over the phone with a loan agent at (855-422-7402) 855-422-7402. All you will need to do is answer a few questions about your car and income to get prequalified for the next step!1
  2. Submit a Few Documents: After sending in your initial inquiry form, a loan agent will ask you for a few documents to verify your identity and vehicle ownership. For your convenience, these documents can be submitted online via email or fax!
  3. Sign Your Loan and Get Your Cash: If your documents are approved, the last step is to go over your new loan contract with your loan agent. Any questions about your monthly payment, loan, or loan amount can be answered! Approved borrowers of a ChoiceCash Title Loan can get their cash in as little as one business day.1

The approval process for a cash loan has never been easier or more streamlined! It’s easy to see why title loans are one of the most popular cash loan options across the nation.

What are the Benefits of a Cash Loan Like a Title Loan?

There are more benefits to title loans besides convenient funding! Here are some of the benefits you can take advantage of when you are approved for a title loan with ChoiceCash Title Loans:

  • Bad Credit isn’t Always an Issue: If you have a bad credit history, chances are you may have been denied a loan before. With a cash loan like a title loan, your credit history is not the most important part of the approval process! Since title loans are secured through collateral, the approval process can focus on other factors. Your income and the value of your car are much more important in the approval process than your credit history!
  • Payments Start Low, and Can Get Lower: Wouldn’t you like to be rewarded for paying back your loan on time? ChoiceCash Title Loans offers a reward to borrowers that make their payments consistently on time!2 As a borrower, if you keep your account in good standing, you may be able to qualify for a rate and payment reduction each month.2 If you continue on that reward streak, your final loan payment could be half as much as your beginning payment!2
  • Experience a Flexible Approval Process: It shouldn’t be a hassle to apply for a loan! If you’re looking to receive a cash loan without identification, a title loan can be the most flexible loan option you have.
  • Interest Rates Can Be Competitive: Interest rates are the most important piece of your loan. The more competitive your interest rates are, the better off your wallet will be! ChoiceCash Title Loans was designed with the customer’s needs in mind. That’s why the interest rates are competitive and have the potential to get even lower if you keep your loan account in good standing!2

Where Can I Apply for a Cash Loan Online?

If you want to receive a cash loan without identification, it doesn’t have to be a hassle! Title loans are some of the most flexible cash loans to apply for as a borrower.

Get started on your ChoiceCash Title Loan today by:

  1. Submitting A Loan Inquiry Online
  2. Or, Call a Loan Agent At (855-422-7402) 855-422-7402

Both options can take just a few minutes of your time!1 Get started today by heading over to the website, or by giving a representative a call at (855-422-7402) 855-422-7402. ChoiceCash Title Loan agents are available for extended hours seven days a week for your convenience!

Quick Links

Title Loan Calculator Apply for a Title Loan Online Title Loan Resources Find a Title Loan Location Title Loan Car Value

Questions? Call 855-422-7402