Chat with us, powered by LiveChat
Powered by Best RM Group LLC
Call us for instant approval!
888-663-7074

Car Title Loans for the Unemployed

By MattJones

Many times in life we can find ourselves in a situation where we need money very quickly. And for people who are between jobs this can be even harder. Are you wondering if you can get a car title loan unemployed?

Unfortunately, financial emergencies don’t typically happen when the timing is good. They hit when things are rough or when people are already dealing with financial problems. And if you’re unemployed, needing a cash loan can be that much more stressful.

Sometimes, financial problems hit people when they have a bad credit score. You may be dealing with a need of income for school or college, medical expenses, car repairs, rent, a mortgage, business expenses, or a number of other difficult situations. This is when a short term loan can sometimes be very helpful.

Watch this video to learn more!


In these difficult times when you or a friend or family member find yourself unemployed but needing a quick cash loan, one question you will likely ask:

Is It Possible To Get A Vehicle Title Loan Unemployed?

The answer is: It depends, but in some cases yes! For this situation we will focus on the state of California, since that is the primary region The Net Lender services. In the state of California, to get a pink slip loan, one must meet the following criteria.

Please understand that this criteria is set by the Department of Business Oversight in California and is subject to the rules and regulations they set. The lender must abide by these rules.

  • An income of at least $1,200 a month – doesn’t have to be employment income.
  • A car, truck, or SUV that is generally worth at least $4,000 and up.
  • A credit score, generally above 515 or 520 but this can vary.
  • The actual pink slip to the vehicle.
  • Full coverage insurance on your car, pickup truck, or SUV. Why? The lender will be taking a financial interest in your vehicle and if there is damage to your vehicle, the lender will want you to be able to pay off the loan.
  • A vehicle with less than 200,000 miles.
  • A clear title, and in most cases non-salvage title.
  • Picture ID
  • Photos of the vehicle and documentation.

These are the basic criteria to get a title loan in California. There are more variables involved, so it is best if you call us today to find out how much you can qualify for. There is no risk or hassle in calling. Our representatives are polite, professional, and can explain to you quickly how our loans work and help you determine if you qualify for a loan. You can reach us toll free at a (888) 539-4465 to find out if you qualify.

How Our Auto Title Loans Work

Now that you know it’s possible to apply for a car title loan even when unemployed, we’ll discuss how our loans work. While you don’t need to have a job to apply for a loan, you do need to have a monthly income of $1,200 or more, as stated above. This money could come from disability, retirement, savings, etc. It doesn’t have to be income strictly from employment.

The lender needs to know you can repay your loan before approving you. Likewise, you shouldn’t apply for any kind of loan unless you can afford to repay it. We make it simple to apply and get approved quickly.

You can fill out our online application or call and apply by phone. It’s quick and easy and best of all, obligation-free. You can ask questions, find out if you qualify and get an estimate for monthly payments before deciding if you want to take a loan with us.

How Much Money Can I Get With A Title Loan?

Many California residents call us on a weekly basis trying to find out just how much they can get with a car title loan. The amount will vary on different factors. The amount of cash you get is determined by the value of your car. Your vehicle is the collateral for your loan, so the more equity you have in your car, the more cash you could qualify to receive. We don’t base the amount off of your credit (or lack thereof) but we do ensure you can afford a pink slip loan before approving you.

Understanding Cash Title Loans

When you decide to consider applying for our California auto title loans, we feel it’s important that you fully understand how they work and what they’re about. Many times people use this type of loan for a short-term situation. Because credit is not a factor, more people qualify for title loans versus bank loans and traditional alternatives.

You use your vehicle as collateral to secure the funds you need. You make your monthly payments while continuing to drive your car. Once you’ve repaid the loan in full, we return your title to you. It really is that simple. Our loan representatives will gladly answer any questions you have about our loans and can explain the process in greater detail upon request. We want you to be comfortable when you apply with us so should you have any concerns at all please get in touch with us.

tnl-car-title-loans-unemployed-california

Get Same Day Cash With The Net Lender

There are many instances where we can get the cash to you the very same day you apply. Each case is different but if you need extra cash today, give us a call or apply online and we’ll do what we can. While the majority of our borrowers have their cash in less than 24 hours, there are instances where we can get it to you same day.

Having all of your information ready is very helpful in getting you approved quickly and then getting your application processed fast. This helps us get the funds in your account faster. As mentioned above, you’ll need certain paperwork to qualify so gather those documents before you call or after you submit your online application. This will help things go smoothly and quickly.

No Hidden Fees or Extra Costs

One of the reasons California residents continue to choose The Net Lender for their title loan needs – we don’t charge you to pay your loan off early. Unlike some lenders that are simply after your money, we don’t make you pay more when you want to pay your loan back as quickly as possible. Our goal is to provide hassle-free loans that you can rely on when money is tight but you just need a short-term cash loan.

Why Choose TNL Car Title Loans?

  • Reliable cash loan provider – you can always count on us to help you get the cash you need.
  • Superior customer service – you can feel comfortable knowing you can ask us anything and give us a call any time you need us.
  • No hidden fees – we don’t charge you hidden fees or make you pay extra for repaying your loan early.
  • Competitive interest rates – you’ll find our rates to be very competitive for the CA area.
  • Serves all of California – we serve over 200 locations throughout California so there’s a chance we can help you, whatever city you may be in.
  • Friendly & professional staff – you won’t have to answer a million personal questions or feel uncomfortable when dealing with our staff. We don’t judge you!
  • Hassle-free – no headache or stress when you apply for our auto title loans.
  • Get cash the same day – in many cases we can have the cash in your account the very same day.

Should You Get a Title Loan Without a Job?

This is a decision only you can make but should you decide to do so, we are here to make it help you make it happen. You don’t need a job to get a collateral loan but you do need a regular monthly income. So if you’re in between jobs but have the means to pay for a loan, you could apply and qualify, receiving up to $10,000 or more same day or next day.

Apply for Title Loans Even if Unemployed

So, technically, you can get a loan if you are not employed, however, you must at least have income of $1,200 a month that can be documented and is verifiable. There are many alternative forms of income that you can use that are not from a job. Rental income, royalty payments, in some cases social security disability, business income, and other situations.

Whatever the case, it is our job to see if you qualify and it only takes a few minutes. To see if you qualify call us today at (888) 539-4465 or fill out the form on this website to see how much money you can get and how quickly you can get it.

If you have any questions about our vehicle title loans don’t hesitate to contact us. We will answer them and provide additional information you may require or we can help you apply by phone. You’re at no risk or obligation to find out if you qualify for some extra cash.

How Much Cash Can I Get?

* Required fields

All information provided is secure and confidential. By submitting your information you agree to the terms of our Privacy Policy, Terms & Conditions, and E-Consent

Trustpilot Logo Google Logo

What Our Customers Say About Us

Kim Redding Image
Kim Redding

Very Helpful Establishment

Getting a title loan was significantly easier than I anticipated. Bryan was really knowledgeable and walked me through the method with ease. If I’m ever in a tough position again, I’m confident that they may be able to help me out! Incredibly nice and very helpful!

Rick G Image
Rick G

Got a Nice Amount for My 4×4

Fantastic service, with efficient and knowledgeable employees. I was in and out in no time, with just what I required. Would undoubtedly suggest and use again.