Can I Get a Title Loan If I Am on Disability?

Daniel Joelson

Daniel Joelson

Total Posts: 346

Published Date: April 26, 2024

Daniel Joelson has been in the consumer finance space since 1994, he has helped to develop underwriting manuals for the financial sector. With a vast amount of Knowledge in consumer finance, he has been writing articles for all types of loans. With his knowledge, he is able to help many people to answer different financial problems.

Are you facing financial challenges while on disability and in need of urgent cash? Do not worry; there is a solution you might consider – an online title loan. Here is a detailed exploration of what title loans are, how they work for individuals on disability, and essential factors to consider before getting one.

Understanding Title Loans:

Imagine needing money quickly and using your car as a guarantee to borrow cash. That is precisely what a title loan is – you exchange your car title for money. However, if you can not repay the loan, the lender might take your car.

title Loans on disability
Getting auto title loans on disability

Accessibility on Disability:

Yes, you can secure a title loan while on disability, provided you meet certain criteria. As long as you fully own your vehicle and it is in good condition, you are eligible to apply.

Requirements for Applicants:

The requirements for a title loan on disability, you generally need to:

  1. Be at least 18 years old.
  2. Own your car outright, with no outstanding payments.
  3. Ensure your car is in good working order.
  4. Hold a valid driver’s license.
  5. Present proof of car insurance.

Cautionary Notes:

It is crucial to be aware of potential pitfalls associated with title loans, such as:

  1. Legal restrictions in some states.
  2. High interest rates.
  3. Risk of car repossession for non-payment.

The Loan Process:

Once you provide your car title to the lender, they will give you the cash you need. You will have a set period to repay the loan plus interest.

If you have an out of state title, we can still help you to get a title loan. Failing to meet repayment obligations may result in losing your car.

Pros and Cons:


  • Quick access to funds.
  • No need for credit.
  • Retain possession of your car.
  • Flexibility in using the borrowed money.


  • High interest rates.
  • Short repayment terms.
  • Potential loss of your vehicle if payments are missed.

Choosing the Right Lender:

Selecting a reputable lender is crucial to ensure a positive borrowing experience. Consider:

  • Checking online reviews, license, and ratings.
  • Comparing interest rates and fees.
  • Ensuring the lender is licensed and compliant with state regulations.

Exploring Alternatives:

If title loans do not seem suitable for your situation, do not worry. There are alternatives to explore, such as personal loans from banks or assistance programs offered by the government.

While title loans offer a lifeline for individuals on disability in need of quick cash, it is essential to proceed with caution. Carefully assess the terms and risks involved before committing. Remember, there are other avenues for financial assistance if title loans do not fit with your needs and circumstances.

TFC Title Loans we will be your title loan broker, we have the largest network of lenders, so we will help you to find the right loan for you.

Need Cash Now? Get Approved In Minutes!

How Much Cash Can i Get?

DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

Skip to content