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Tell us about yourself and why you need a car title loan. We'll need your current vehicle information and how much cash you need.

Easy Approval and
Documentation process

We'll need you signature and items like an updated copy of your vehicle title and any relevant employment information.

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Your Money

Pick up your money upon approval or have it wired straight to your bank account! Most borrowers have money in one business day.

What does it take to qualify for a vehicle title loan in Texas?

Many borrowers are veering away from traditional bank loans and opting for faster funding in the form of title loans. Did you know you can use a vehicle as collateral for a Texas title loan? This type of financing is a convenient way to get cash fast if you don’t qualify for a bank or installment loan. Title loan financing also has set payoff times over a matter of months. This is different from most payday loans which have high interest rates with payoff times that come due in 2-3 weeks. With varying options on how to apply and get approved, title loans are becoming more popular among borrowers.

There are different ways to submit an application here in Texas. You can apply in person at a local retail location, or you can apply with an online lender. With the convenience of the internet, many people apply for fast funding with our online application. Most are approved without going in to sign agreements in person. Some companies even have customer service reps who will walk you through the entire application. After applying for a title loan you’ll fill out an online application. You’ll need to know how much equity is in your vehicle before getting an instant quote on the loan amount.

What You Need For Texas Title Loans

You’ll need a few items to qualify for title loans completely online in Texas. First, your car title needs to be lien-free, meaning your car is paid off already and your name is on the pink slip and registration. Most lenders require all people listed as owners on the vehicle title to apply, but others only need one. You need an ID to prove you’re at least 18 years old as well. Employment isn’t a necessity at some lender businesses. Others will ask for proof of steady employment or at least some form of income. You’ll also need to prove you’re an official state resident for any type of title loan in Texas.

After you complete the application, you may be able to finish the process in as little as 30 minutes either in person or online. One advantage to this process as opposed to pawning your car is that you get to keep driving your car with most title loans. It’s only the title that’s handed over to the lender until your loan is paid off in full. The amount you borrow is based on the equity of your vehicle and employment status. After you get approved for a given amount, you’re done with the first step in the process. You’ll be given a set amount of time to pay back the loan in full. Each state and local jurisdiction has different limits for the rates and requirements on title loans.  For instance, Dallas has unique regulations for online title loan companies that offer loans within the city. San Antonio has fewer regulations with title loans, but there are specific rules for applicants to know. You may end up paying higher fees in Texas compared to other states. Consider a credit card advance or installment loan if that option’s available.

What to Expect When You Apply For Car Title Loans Texas
Bad credit financing, like online car title and payday loans in other states, can be expensive and difficult to pay back. The interest rate and fees tend to be higher with car title loans as most borrowers have a lower credit score. But with vehicle title loans, the value of your car suffices for the debt when looking at the ability to repay the loan amount. So the creditor has a fallback to collect on, in the event that you’re not able to repay the money back that was borrowed. You don’t need good credit. Some businesses will even give you next day cash for a lien-free motorcycle title. Taken out for small amounts of fast cash, a title loan will have a high interest rate.

Expect to pay around $23 in fees per $100 when you take out a vehicle equity loan in Texas. Customers with credit difficulties should seek credit counseling or other assistance to avoid car title loans in the future. You’ll need to provide some specifics when you decide to move forward with a company that offers online title loans in Texas. Make sure you have the following items available when you apply for a car title loan. Driver’s license or state-issued ID, lien-free title to your vehicle, and your vehicle itself (for an inspection). A lien-free title means that you own your vehicle in full. Be sure the online company you work with is licensed to do business. This applies to companies that advertise themselves as registered credit access business in Texas.

This form of borrowing is convenient and fast. You can often complete the application process in a matter of hours. Payday loans and a signature installment loan can require many checks and balances. This can include having to verify current employment and a valid bank account or checking information. You don’t need a job to receive financing for any type of title loan. However, some form of income is required and it’s usually subject to lender discretion. Most Texas car title loan lenders will call and verify your employment history and check your credit report. Please review our site’s terms and site map to get more information or help regarding the underwriting process. Expect a quick and painless process if you’re willing to pay the fees associated with an online title loan.

The minimum funding amount for most auto title loans is $2,500. A secured loan will be underwritten to reflect a payoff time of 12 to 36 months. The annual percentage rate or “APR” for prime title loans will range from 30% to 36% for Qualified Customers. The maximum CAB for a vehicle title loan in Texas is $25 for every $100. Check with a licensed lender to get the latest fee schedule and OCCC notice.


I can't thank you enough for how easy you made the entire process.  I was able to apply for financing online and get my cash in just 36 hours.  I didn't expect it would be that simple.

Patrick Semore, Dallas, TX

I was having trouble filling out the online application so I called the phone number listed.  Your agent was very helpful & she walked me through the entire application process.

Jan Miller, Austin, TX

I'm glad I used the equity in my vehicle for a title loan instead of taking out a payday loan with significant fees. Your online representative was helpful and the speed in getting my money was fast.

Robert Smith , El Paso, TX