car title loans without a job
Can You Get a Car Title Loan Without a Job? Yes — Here’s How
If you’re currently unemployed or between jobs, getting access to quick cash can feel impossible. Traditional banks often reject loan applications without proof of employment. But at Simple Loans, we understand that life doesn’t wait—and neither should your finances.
That’s why we offer car title loans without a job, as long as you are able to show enough monthly income to pay the loan. We help people in Florida use their vehicle’s equity to access fast, short-term funding — regardless of employment status.
What Is a Car Title Loan Without Employment?
At Simple Loans, we use the term “car title loan” for advertising purposes. Technically, we provide auto equity loans licensed under the Florida Consumer Finance Act (Florida Statute 516). These loans are secured by your vehicle—not your income history. That means:
✅ You don’t need a traditional job to apply
✅ You can use alternative sources of income like Social Security, disability benefits, alimony, unemployment benefits, or self-employment earnings
✅ Your credit score is not a factor—approval is based on your car’s condition and your ability to repay
This makes title loans a real option for retirees, gig workers, freelancers, and anyone going through a career transition.
How It Works at Simple Loans
We’ve simplified the process so you can get approved without stepping foot in a store—even if you’re currently unemployed:
- Apply Online — Submit your basic info using our secure online form
- Submit Documents — Include a valid Florida Drivers License or ID, vehicle title, and proof of alternative income (bank statements, award letters, etc.)
- Get Approved Fast — We assess your vehicle’s equity and repayment ability—not your job title
- Receive Funds Quickly — Once approved, funds are released as soon the the DMV perfects the lien.
- Keep Driving — You continue using your car while repaying the loan
Loan Terms You Can Count On
At Simple Loans, we’re committed to full transparency and fairness. That means no surprises, no confusing fine print:
✅ Loan Type: Auto equity loan (secured by your vehicle title)
✅ APR: Varies between 18% and 35%
✅ Application Fee: $25 (charged only if you accept the loan)
✅ Repayment Term: 12 months, with no prepayment penalty
✅ Lien Holder Fee & Doc Stamp Tax: Included in your loan
✅ Registration Fee (Govt.): $77.25
✅ Doc Stamp Tax: $0.35 per $100 financed
Car Title Loans
SUV Title Loans
Truck Title Loans
RV Title Loans
Motorcycle Title Loans
Commercial Vehicle Title Loans
Who Can Apply?
You do not need a job to qualify. You may be approved if you:
✅Own a car with a clear title
✅Are at least 18 years old
✅Have any form of verifiable income (even non-employment based)
✅Can show ability to repay through bank records, benefits, or other documentation
Whether you’re self-employed, recently laid off, or relying on benefits, Simple Loans looks at your full financial picture—not just a paycheck stub.
Why Simple Loans?
At Simple Loans, we’re not just another title lender. We operate on transparency, trust, and simplicity:
📃 Easy 100% online application
🔒 No hidden fees or inflated rates
💬 Real people, real answers—fast customer support
🚗 You keep your car
🔄 Flexible repayment plans
🤝 No job required, no credit check needed
Apply Today — Even Without a Job
Your car’s value can help you get the funds you need—even if you’re currently unemployed. At Simple Loans, we make the process fair, fast, and tailored to your situation.
Start your application now and get approved in minutes. Let Simple Loans be your bridge to financial relief—without job-based barriers.
Simple Loans — Because life doesn’t stop when your job does.