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. you do have options for getting a short-term loan without a bank account if you know. you can get a. Typically, title loans are offered on a variety of vehicles no matter what their age. In fact, a title loan does not require registration of the vehicle, but only ownership. To receive personal or title same day loans, you need to be 18 years or older, and own a vehicle, although you need not own it free and clear. it is ok if you're still paying for it. Say you have a ton of high interest debts: student loans, car payments, credit card debt (ouch!), debts you just can't get rid of. Even payday loans online won't take care of these problems. Now if you have equity in your house maybe a home equity loan will give you some relief but home loans are hard to get now. Lenders don't want sub prime customers so they make loans only to people who don't need them (this is a joke but with a lot of reality). Second mortgages are tough in today's economy. If you don't have a credit score of 625 and nothing bad on your credit and a good debt to income ratio forget home equity loans.