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How to Get a Loan With No Job

So you're back at square one - no job. The sad part is, you still have bills due this month and other financial obligations to meet. You feel like your back is up against a wall and you don't know how to handle the pressure.

It's okay. We've got an answer for you. Job or no job, you can qualify to get a title loan in Florida regardless of how much money you make. We don't care about the current state of your bank account - all we care about is how much money we can put back into it through using your car title's equity for cash. Are you interested in finding out more? Check out this informative guide on all the potential cash loans for people with no job in Florida, and decide for yourself which option will work for you.

What Are Your Loan Options if You Have No Job?

With traditional loans, like one you'd apply for at a bank, they don't take kindly to applicants who don't have any money coming in. They only want to work with people who can prove steady employment, both past, present and future. You might call them inflexible. Of course, there may be the rare bank that decides people with no job are still worthy of a loan, but they'll punish you with extremely high interest rates you don't deserve. It's not a crime to lose your job - it happens to everyone at some point. So why should you have to pay penalties because of it?

Payday loans are somewhat similar, given their name. They're based on paychecks. How much did you make last quarter and how much do you plan on earning in the next few weeks? That helps them decide how much money you should get. Again, some lenders might take pity on you and get you approved with or without a job, but don't count on it. Just like traditional lenders, they'll slap on a high interest rate and maybe some other ridiculous charges if you're simply a dollar short on the very minute the cash is due back.

If title loans weren't a possibility, your only other chance to get cash with no job would be to sell your stuff: jewlery, instruments, computers, until you are left with nothing to show for your past hard work. You might even be tempted to sell your vehicle, but not so fast! Understand what title loans can do for you first before you take that drastic measure.

Title loans give you cash, but let you keep using your car. You can drive around town and look for another job without having to sacrifice your set of wheels. You can get lots of money - close to what you'd get if you sold your car. It'll give you a boost to get back on your feet while you're in between employers and title loans are different from all your other options in these key ways:

  • They offer longer payment schedules - that means less money owed each month
  • They offer the lowest interest rates, possibly the lowest in the entire state
  • They're quick - you get the money within one day of applying
  • They are open to anyone who owns their car - even if you're out of a job, retired or disable

It's worth a shot to apply and find out the specifics. How much could you personally receive from your car title? We can let you know in about 5 minutes from now.

What Should You Look For In a Loan If You Have Limited Cash?

Obviously you want to find the most money possible to last you until you get hired somewhere else. That's a given. But when viewing the many title loan options for your specific car, what should you focus on finding that's more important than all the other features put together?

Hint: it's got a lot to do with your monthly payment. You want flexibility. You want a reasonable deal. You can't pay all the money back in 2 weeks - you don't have the cash flow yet. You want a monthly total that reflects your current ability to pay. In addition, you want low interest. You don't want to get hit with a giant charge the very next month after you get your loan. That will compound quickly, leaving you discouraged at the total you're required to pay off.

When you work with us, you're not given a cookie-cutter title loan. We ask you detailed questions about what you can realistically pay back. We don't trick you into getting a loan you can't afford. We're not underhanded like that. You get to choose your payment so that you know for sure your budget can handle it, and you are completely filled in on the terms of interest and what will happen from month to month.

Your Worries Are Our Worries

You're sick of being up late stressed about your cash flow? We understand. We can imagine the stress you've been under. We're happy to help you release that tension by putting cash in your hands. After all, you deserve it. We're not the ones who paid off their car title 100% - that was you. You should be able to use that investment to your advantage if you so choose. We're simply here to make sure it happens fast and you get the value you should out of your car title while you're without a job.

Tell us about your problems so we can fix it. Submit your name, the make, model and style of your car and you get a free quote in return just two minutes after the fact. Soon all of those people who were looking down on you for your brief period of unemployment and feeling sorry will be shocked at your fast turnaround. You'll have plenty of cash to keep up with your lifestyle and your worries will fall by the wayside. If you've got no job but do have a car that's paid off, title loans are the right move for your financial future.

Once you have been funded for your car title, you now have the ability to pay your bills and find another job to keep you going. Below are a few resources to help get you back on your feet.

Job options for the unemployed in Florida:

We offer car title loans in Florida, as well as the following metro areas: