We get this question asked all the time and the answer is “depends on the state you live in”. Most title loan companies are only concerned about the vehicle value and your ability to repay the loan. Some are just concerned about the car itself and really don’t care if you have a job or not.
The first thing you have to do is get up the courage and ask. If you never ask, there is no chance of you ever getting a loan from anyone. Each lender call should start out with this simple need. Ask the agent when you call UNLESS their website states clearly that they do not need you to be employed.
Let’s address this issue from another perspective… your ability to repay. We know the pressure is strong when you are sitting with a financial problem. You are scrambling to find ANY solution that will work because the pain of the issue is a lot. The tendency to lie when getting a loan is strong. The attitude is to get the money first and figure out how to pay it back later. This is a problem. You need to stop and seriously ask yourself if you can repay this loan. Do you have income. Is it enough to cover your expenses and repay? If the answer is yes, then tell the lender how you intend on doing it. Unemployment insurance? Other income not normally mentioned?
So when getting a car title loan if you are unemployed, the answer is usually yes but make sure you can repay it!