Representative giving client a title loan check while waiting for worker's compensation pay

How to Get Financial Help While Waiting for Workers Compensation Pay

Waiting for workers compensation pay can feel overwhelming when bills don’t stop. Many people wonder how to get financial help during this period. The good news? Several programs in Tennessee provide assistance, and if those don’t cover everything, an online title loan can be a fast solution to keep you afloat.

Below, we’ll cover six ways to find financial help while waiting for your workers compensation benefits — and explain how a title loan online can provide quick cash when you need it most.

6 Ways To Get Financial Help Until You Get Workers Compensation Pay

1. The Supplemental Nutrition Assistance Program (SNAP)

The Supplemental Nutrition Assistance Program, formerly known as food stamps, ensures a nutritious diet for low-income people and families. It's one of the main ways to get cash help while waiting for your workers compensation pay.

The main aim is to alleviate hunger and establish self-sufficiency. However, SNAP also works with initially self-sufficient people that have fallen on hard times to develop their self-supporting capabilities.

You can gain many benefits from this program. They're all centered around supplementing your monthly food budget to ensure more of your income can go toward your essential living expenses. 

2. Families First

Families First is Tennessee's version of the TANF program (Temporary Assistance for Needy Families). Families First gives temporary help to households facing financial stress. It offers child care, transportation, education, job training, and even cash assistance while waiting for workers compensation in Tennessee.

The help you get through Families First while waiting to receive your workers compensation pay is temporary (hence the name). Its main goal is to help you achieve self-sufficiency once again.

The program gives you all kinds of help, including:

  • Child care assistance.
  • Temporary cash assistance.
  • Transportation.
  • Education.
  • Job training.
  • Other support services.

To qualify, you must agree to follow a PRP, otherwise known as a Personal Responsibility Plan. Part of this will be to:

  • Ensure your children go to school regularly.
  • Ensure your children receive all vaccines and attend health checks.
  • Make sure all child support criteria are met.
  • Be open to work preparation if you're not exempt (which you may well be if you're getting workers compensation pay).

close up of person looking at government aid on their tablet

3. Child And Adult Care Food Program

Through this program, you can attend an adult care center to get your daily meals. However, you must meet various age and income requirements before you're eligible to receive help from the participating centers.

4. Child Support Program

In this program, you get services geared toward parental responsibility to ensure you meet your family's financial needs. This support includes:

  • Establishment of paternity.
  • Establishment of child support orders.
  • Enforcement of the orders as mentioned above.
  • Distributing and collecting funds.
  • Changing child support orders.
  • Enforcement of spousal support orders.

The people working in this program can also point you in the direction of other services that could be useful while you're waiting for funds.

5. Community Service Contract Programs

Community service contracts with governments and non-profit organizations ensure all kinds of services are provided to low-income single people and households.

The specific services you receive under this program depend on your situation, but they can include:

  • Emergency cash assistance.
  • Nutrition programs.
  • Employment activities.
  • Income management services.
  • Adult daycare.

6. Get an Online Title Loan for Fast Cash

If traditional programs don’t cover your needs, an online title loan may help. With a lien-free vehicle title, you may borrow $300–$2,500, depending on your car’s value. This option is especially helpful if you need to cover urgent expenses like rent, utilities, or medical bills while waiting for your workers comp benefits.

man receiving cash from car title loans online

How to Get a Title Loan Online in Tennessee

Here’s how simple it is to apply for a title loan online:

  1. Fill out the form on our website.
  2. Get a call from a loan agent to confirm your details and schedule a meeting.
  3. Bring your documents: valid ID, lien-free title, and your vehicle for inspection.
  4. Get approved after a quick review of your car’s value and paperwork.
  5. Sign the agreement and receive your money the same or next business day.

Pro Tip: If you’re looking for alternatives, you can also explore payday loans in Tennessee or flex loans.

Why Choose Title Loans Online During Financial Stress?

  • Fast cash when workers comp pay is delayed.
  • Easy requirements – lien-free title, valid ID, and proof of income.
  • No credit hassles – you can still qualify with poor or no credit.
  • Keep driving your car – only the title is used as collateral.

FAQs About Online Title Loans

1. What are online title loans?
Online title loans let you borrow money using your car title as collateral. You keep your car while the lender places a lien on your title until repayment.

2. How much can I borrow with a title loan online?
In Tennessee, you may qualify for $300–$2,500, depending on your vehicle’s age, mileage, and condition.

3. Can I apply for a title loan online while waiting for workers comp pay?
Yes. Title loans are often used for emergencies like delayed workers compensation benefits.

Cover Your Expenses with Title Loans Online Today!

If you’re wondering how to get financial help while waiting for workers compensation pay, start with government programs. But if you’ve exhausted those options, an online title loan may be the fast relief you need.

Apply for a title loan online today and cover your expenses with confidence.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.