Apply For A Title Loan
Online or Give Us a Call

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

Easy Online Approval and
Documentation process

We'll need an updated copy of your vehicle title and we may need to conduct a vehicle inspection. The title loan underwriting process can be done in less than a day.

Sign Your Title Loan Docs And
Get Your Money

Pick up your money upon approval at any Texas location, or have it wired straight to your bank account! Most borrowers have cash in one business day or less.

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

To qualify for a car title loan in Texas your pink slip 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 lending offer in Texas. Title loan financing also has set payoff times over a matter of months instead of days or weeks with a traditional payday loan. 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 having to sign agreements in person. You’ll need to know how much equity is in your vehicle before getting an instant quote on the loan amount.

What To Expect After Submitting A Title Loan Application With Us

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. 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 with loan amounts of $2,500 and up. Customers with credit difficulties should seek credit counseling or other assistance to avoid car title loans in the future.  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 businesses in Texas.

How Much Cash I Expect To Get After Being Approved For A Title Loan

This form of borrowing is convenient and fast and you can often complete the application process and get your cash in less than one business day.  You don’t need a job or employment verification to receive cash 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 before releasing your funds. 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 with access to your cash within 24 hours if you want to pick it up in person. You can also choose to have the money sent directly to your bank account.

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 starts at 30% to 36% for Qualified Customers. The maximum CAB for a vehicle title loan in Texas is $25 for every $100. Check with a state licensed lender to get the latest fee schedule and OCCC notice.