You can receive a title loan without proof of employment!
This is because proof of employment is different than proof of income.

How is This Possible?

Title lenders typically ask applicants to provide evidence of their income to evaluate their capacity to repay the loan.

Not having a job doesn’t mean you don’t have money coming in elsewhere. As long as you can prove that you have enough money coming in to make your loan payments, a title loan without a job approval is possible.

How to Show You Can Pay for a Car Title Loan Without a Job?

When it comes to getting a car title loan without a job, you’ll need to show you can pay it back. Even if you don’t have a job, there are accepted documents you can use as proof, such as bank statements or other papers that show you have the money for the loan, including:

  • Social Security Benefits
  • Inheritance
  • Passive Income
  • Severance Pay
  • Worker’s Compensation Pay
  • Annuity
  • Trust Fund Income
  • Cash Settlements
  • Tax returns
  • Disability Insurance
  • Monetary Settlement Ordered by Court

Title Loans Without Proof of Income Main Approval Factors

When title loan lenders ask for proof of income, they want proof you can repay the loan. This is one of the biggest factors that determine your eligibility for the loan. Both lenders and borrowers have a mutual interest in the loan being paid on time, and having the income to make those payments is important. We have options for borrowers without a job who can satisfy the income verification requirement in other ways.

The Three Main Title Loan Approval Factors Include:

Credit History

Some lenders may pull your credit history; however, it may not be the determining factor. Poor credit will not automatically eliminate you from consideration.

Equity in Your Vehicle

Lenders tend to look at your assets first. In this case, that is the equity in your vehicle. Lenders use equity as collateral when providing an auto title loan.

Proof of Income

Lenders will also ask for proof of your ability to repay the loan. Getting a loan with no income is unlikely.

Eligible Income for a Title Loan

Social Security Benefits

The IRS allows retirees to claim their SSI after age 62. You can use your payments to help repay the title loan company.


When a loved one dies, they may leave money for you and your family. If you can prove steady income from a trust, lenders may accept it as income proof for a title loan.

Passive Income

To use income from assets you own, aka passive income from investments, you’ll need to prove the asset’s value and the income it provides.

Severance Pay

When a company lets you go, they may offer severance pay. If the pay is enough to withstand your lifestyle and help you pay bills, it may be a source of income.

Workers’ Compensation Pay

If you’re hurt on the job, you might receive workers’ compensation, which replaces your normal income while you cannot work. To satisfy the proof of income requirement, income verification of workers comp is easy to provide.


Annuities usually provide a steady income for a predetermined period. Most people use annuity income during retirement, but that’s not a requirement.

Trust Fund Income

If a relative sets up a trust fund for you and you receive regular income from it, you may be able to use it for income verification.

Cash Settlements

If you receive a court-ordered monetary settlement, you may use the funds to qualify for a car title loan, whether you receive the settlement in one sum or as monthly payments.

What Is Income Verification?

Income verification is how a car title loan lender decides if your income qualifies you for a specific purpose. In this case, that means being able to pay off a title loan balance. Anyone applying for a title loan will need to go through this process.

Who Needs Income Verification?

Loan providers need this to establish whether you are a lending risk. Lenders verify income by analyzing the documents outlining your proof of income. They will then verify that the documents are accurate and meet their approval process factors.

How to Get a Title Loan Without Any Proof Of Income?

To get a title loan without any proof of income you will first apply either online or by phone. Then, You will submit the required documents. If you do this by 2:00pm pacific time and are approved, you will receive your cash in your bank account or an authorized location the very same day. 

For title loans without proof of income, you will need to bring the following:

  • Your car
  • Your car’s mileage
  • Your vehicle’s title with your name
  • Car ID number
  • License plate number
  • Proof of Address
  • Proof of car Insurance
  • Proof of registration
  • 4 personal references with contact information
  • Government-issued photo identification

Keep In Mind

Vehicle title loans should be used for short-term funding to solve time-sensitive cash needs. Title loans should not be a long-term solution. At Montana Capital Car Title Loans, we want you to keep in mind to always understand the risk of any loan. Failure to make your monthly payments can result in default and repossession of your vehicle.

Getting Approved With Our Car Title Loans

We work with borrowers from all types of income. So you don’t have to hold a job to tap into your car’s equity and get a title loan.

  • Easy process
  • Continue to use your car
  • No employment check
  • You may secure a loan even with bad credit
  • Quick approval and funding process
  • Minimal paperwork required
  • Many types of vehicles can qualify
  • Potential access to larger loan amounts
  • Can provide the money you need for emergencies


Can You Get a Title Loan Without a Job?

Can You Negotiate a Title Loan?

Can I Get a Title Loan Without Proof of Insurance?

Which Alternatives Should You Consider Before Using Title Loans?

The Bottom Line

When you hear “proof of income” your first thought may be that you need a steady job to qualify for a title loan. While this is not the case, you do need to prove that you have the means to repay your loan. At Montana Capital Car Title Loans, applying for title loans is simple and free, regardless of your employment status.

As long as you provide proof of some kind of consistent income coming in, you will be considered for a car title loan. So if a car title loan is the answer to your needs, simply apply here and get an approval decision within 24 hours or less!

Written by Samantha Hawrylack

Written by

Samantha Hawrylack

Samantha Hawrylack writes for our company and is an expert in personal finance. Sam received her Bachelors of Science in Finance and her Masters in Business Administration from West Chester University of Pennsylvania. She began her career in the financial services industry and shifted to an entrepreneurial role where she could directly impact clients. Sam has an impressive background in personal finance and business management.