How to Get a Loan Without an ID

Why Can’t I Get a Loan Without a Photo ID?

If you’re wondering how to get a loan without an ID, understand that obtaining approval for a loan without a valid form of identification is not possible. One of the main reasons for identity verification during a loan application is to reduce the chances of identity fraud, which is in the interest of both lenders and consumers. Although an individual will not be responsible for another person fraudulently taking out a loan in their name, dealing with identity theft can be a hassle for consumers, and may involve filing police reports, placing fraud alerts on their credit reports, and having to work through account dispute processes with lenders or loan servicers.

In order to comply with applicable regulations to combat financial crimes, a lender must verify the applicant’s information during the loan application. This includes diligently following the “Know Your Customer” processes (KYC), which require lenders to ensure they have a comprehensive understanding of the applicant’s identity and the risks they may pose as a borrower.

You can use different types of valid, government-issued photo identification cards to prove your identity and age when applying for a ChoiceCash title loan serviced by LoanMart! Continue reading to learn more about the documents you can use to confirm your identity during your loan request and how you can conveniently apply for a title loan online today.¹

Are There Any Loans with No ID Required?

As mentioned above, getting loans without a photo ID isn’t likely to be an option. If you’re interested in applying for loans with no ID required, you may want to consider other ways to access emergency funding without valid identification, which includes the following:

• Get a Loan from Friends and Family: Asking your friends and family for financial assistance can be a straightforward way to get fast cash. You don’t have to meet the typical criteria many lenders require, like providing a photo ID, and you may not have to pay interest when borrowing money from a loved one. However, getting a loan from a family member or friend can have its fair share of drawbacks. For example, failure to repay the loan can strain your relationship with them. If there’s a misunderstanding in the arrangement, it will complicate the dynamics with your “lender” and make things awkward moving forward. Make sure that you establish an expectation of when and how you will repay the money you need now for an emergency. Additionally, consider the potential consequences of getting a loan from someone you know instead of an online lender or financial institution.
• Credit Card Cash Advance: If you already have a credit card, you may not need to present a form of photo identification to borrow against your available credit limit through a credit card cash advance. Simply visit an in-network ATM and request an advance by entering your car’s PIN and withdrawing your cash. You’ll be able to borrow up to your available credit line, but if you take out a significant amount of money, you risk raising your overall credit utilization and negatively impacting your credit score.

Although each option has pros and cons, ultimately, the choice you make should reflect your personal preferences and current financial situation. If you want a flexible and secured loan with additional perks, you can consider applying for a ChoiceCash title loan online! As long as you have a qualifying form on identification, the application process can be a breeze even if you do not have a valid driver’s license. Submit a short inquiry form today to start the application process and get quick cash in as little as 24 hours if you qualify.¹

What are the Different Types of Identification Accepted by Lenders?

Whether you’re applying for a title loan or a personal loan, know that various forms of identification are often accepted by lenders during applications. Take a look at some valid forms of photo identification lenders will often accept when you’re applying for a loan in your state:¹

• U.S. Passport
• Veteran ID
• Driver’s License
• Real ID or Another State-Issued Photo ID
• Permanent Resident Card
• Other Government-Issued Documents That Have a Photograph and Expiration Date, For Example a Mexican Matricula

As you can see, a few different identification documents can be used to confirm your identity to a lender or loan servicer during a loan request. If you want to obtain one of these acceptable forms of identification, you’ll have to visit their respective offices and meet the requirements to get approved. Once you have a valid form of identification on hand, you’ll have the opportunity to apply for the funds you need to get back on your feet.

Call 855-422-7402 if you’re interested in applying for a ChoiceCash title loan serviced by LoanMart. If you’re eligible for funding, you can access competitive interest rates, no balloon payments, and zero hidden fees!¹

What Do I Need to Get Online Title Loans without an ID?

Getting an online title loan can be simple and straightforward through ChoiceCash title loans, but keep in mind that valid identification is required to obtain loan approval. In order to apply for a car title loan online, you must first meet the following initial criteria:¹

• Possess the Title of a Roadworthy Vehicle in Your Name
• Be Able to Provide Proof of Income
• Be of Legal Age to Apply for a Title Loan
• Have Enough Positive Equity in Your Car

Upon receiving initial approval, a ChoiceCash title loan agent will reach out and ask you to submit some documents to verify your information. In addition to providing proof of identity through valid, government-issued photo identification, you will need to have the following paperwork on hand to get approved for a ChoiceCash title loan serviced by LoanMart:¹

• Recent Pictures of the Inside and Outside of Your Car That Accurately Depict its Current Condition
• Proof of Address and Income
• A Qualifying Car or Truck Title
• Some Personal References May Be Required

When applying for a ChoiceCash car title loan, you can upload your documents online or submit your paperwork via email or text message if that’s more convenient for you. Qualified applicants can choose to have their funds added to a debit card or get their funds sent to a bank account through direct deposit to receive their loan proceeds as soon as the next business day!¹

Do you have any questions about applying for auto title loans online? Visit our FAQ page or dial 855-422-7402 to learn more about the requirements or documents necessary to obtain emergency cash!¹

Apply for a Car Title Loan with Any Valid Form of ID!

Ready to get the funds you need to handle unexpected expenses? While you can’t get a loan without a photo ID, you can apply for a ChoiceCash title loan with any valid form of identification! Take a look at the three basic steps you must complete to apply for emergency funding:¹

1. Submit a Short Prequalification Form Online or Apply Over the Phone at 855-422-7402
2. Provide a Qualifying Photo ID and Submit the Required Paperwork to Verify Your Information
3. Receive Your Cash in as Little as 24 Hours!¹

Find out if you’re eligible for a ChoiceCash title loan serviced by LoanMart today! Apply online or call 855-422-7402 to get started on a flexible and convenient application.¹