Unexpected expenses are stressful enough on their own.
They can feel even harder when you are between jobs, starting a new job, working irregular hours, or relying on income that does not come from a traditional paycheck.
That is why many people ask the same question: do I need a job to get a title loan?
With Southwest Title Loans, you may not need traditional employment to start a title loan inquiry. However, that does not mean approval is automatic. You still need the required items, a lien-free vehicle title in your name, your vehicle for inspection, and a way to repay the loan.
Here is what to know before you start.
Can I Really Get An Arizona Title Loan While Unemployed?
You are not required to show proof of employment at Southwest Title Loans. This is a huge part of what makes title loans an option to remember when you need emergency help.
Title loans are secured loans and they use your car title as collateral for loan. This means you do not have to show proof that you are employed before getting the loan – like you would with other kinds of loans.
You can have irregular income, be just starting a new job, or be in the process of looking for a new one – you’ll be eligible just the same. Just make sure to talk to us for more information on what we accept when it comes to repaying the loan.
How Do I Qualify For An Arizona Title Loan?
When talking about an Arizona title loan, you must remember that it was designed for a specific group. Namely car owners of legal age. This means you must be over 18 and outright own your car to qualify. Plus, your title must be free of outstanding liens or judgments. If it isn’t, you’ll have to handle that before applying for a title loan.
There are also title loan requirements we need to proceed. Here’s what you’ll need to qualify for a title loan at Southwest Title Loans Inc.:
- A driver’s license or valid state-issued photo ID to prove your identity and age;
- Your car’s lien-free title in your name to be used as collateral for the loan;
- Your car for inspection to help us determine the maximum loan amount you qualify for.
Can I Qualify For An Arizona Title Loan With Poor Credit?
The good thing is you can still qualify for an Arizona title loan regardless of your credit situation.
Southwest Title Loans, Inc. welcomes all types of credit. So whether you have good, bad, or outright nonexistent credit, you can still easily qualify for a title loan as long as you can provide all the aforementioned mandatory items.
Another bonus is an Arizona title loan won’t be able to influence your credit history in any way – positively or negatively.
This is due to a simple rule – for a loan to influence credit history, it must be reported to a credit bureau first. Southwest Title Loans, Inc. doesn’t report to any credit bureaus, keeping the loan information strictly private.
When you apply for a loan at Southwest Title Loans, Inc. you can rest assured the information will remain completely between you and your loan representative.
Will You Keep My Car If I Apply For An Arizona Title Loan?
Another positive is Southwest Title Loans, Inc. doesn’t take the borrower’s car for the duration of the title loan. It’s the car title that will stay with us to act as collateral. The car will stay with you and you’re free to drive it around the same as before while calmly paying off your loan.
How To Get An Arizona Title Loan
The first and most difficult step – which is not difficult at all – is to make sure you’ve got all the required items ready to go – which are, again, a state-issued ID or driver’s license that’s currently valid, a lien-free car title in your name, and the car itself.
After that, you’ll only need a few minutes of your time to start the process online, without having to spend extra time on a store visit.
Just submit a filled-out online form that you’ll find on the website and wait for a little for it to get processed. Your information will be sent to your nearest title loan location, and one of our loan representatives will contact you with further instructions.
Take the required items to the meeting they’ll set up for you. The loan representative will assess the items and decide if you qualify for the loan. If you do, they’ll collect additional information, help you finish the paperwork, and approve you for the cash.
Get An Arizona Title Loan Even If You Are Unemployed
Not having a traditional job does not automatically mean you cannot start a title loan inquiry.
The important thing is to understand what may be reviewed, what items are required, and whether repayment fits your current budget.
Southwest Title Loans can explain the current process and help you understand what may apply to your situation.
If you have emergency expenses that you cannot handle alone, don’t let unemployment stand in your way. You can still qualify for an Arizona title loan even if you are unemployed. Apply now and you could get up to $15,000 in less than an hour! Fill out the online form to get started.
Frequently Asked Questions
Do I need a job to get a title loan?
You may not need a traditional job to start a title loan inquiry, but you should have a way to repay the loan. Approval is not guaranteed and depends on the full review.
How can I get a title loan without a job?
You can start an inquiry online, by phone, or in person. A representative can explain what income or repayment information may be reviewed and what required items you need.
What do I need for an Arizona title loan?
You generally need a driver’s license or state-issued photo ID, a lien-free title in your name, and your vehicle for inspection.
Does my title need to be lien-free?
Yes. The title generally needs to be lien-free and in your name.
Can I start with bad credit?
Borrowers with different credit backgrounds may be able to start an inquiry. Approval is not guaranteed and depends on the complete review.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
