APPLY FOR A
24 HOUR TITLE LOAN

24-hour title loans are a great way to borrow money using a vehicle as collateral in Texas. Not only do title loans offer a way to get cash when other lenders say no, but they can lead to loan amounts of $1,000 or more, and some lenders will fund your loan in one business day!

Texas Title Loans now offers online pre-approval for title loans, and we can also start your application over the phone at 844-243-3195. Once we receive your loan request, we will run it through our system to determine whether you qualify for a fast cash title loan in Texas. Title loans can provide quick money that hard-working individuals desperately need, and the funding timeframe is dramatically lower than what you'd see with a traditional unsecured lender.

If we need to run your credit, it won't be as extensive as a traditional unsecured bank lender, and you can be pre-approved for $1,000 or more with a paid off car, truck, or SUV, as collateral. Compare the time it takes to get an auto title loan in Texas with the multiple days it takes to get a bank loan that requires extensive underwriting and multiple credit checks!

Requirements For A 24 Hour Title Loan In Texas

The requirements for a 24 hour title loan are straightforward for anyone with a lien vehicle. You need a lien free car title(you have the best chance of approval with a 2016 or new vehicle), proof of income(a letter from your employer or bank statements), and valid identification(passport or state-issued ID) to qualify for collateral loans in Texas. Some companies may ask for proof that your vehicle has up to date tags and registration and proof of insurance on the car.

One thing you don't see listed in the requirements above is a vehicle inspection, and while this is sometimes required for title loans over $10,000, some lenders allow videos or pictures showing the vehicle exists. For a 24 hour title loan, there's no real way to underwrite and fund your loan if you had to schedule a vehicle inspection, and that's why title loan companies in Texas allow other ways to verify your car's current value.

To keep the pre-approval and underwriting process under 24 hours, some licensed lenders in Texas now offer virtual vehicle inspections via photos or video. You can't beat the approval times, and while you can always pay off your learn early to save on interest, most title loans in regulated Texas cities are now structured with a mandatory 25% principal reduction for each payment you make. This means your payments are set up to pay off the debt within 4 months.

Why 24 Hour Title Loans Are The Best Option If You Need Cash Fast

Even with our quick pre-approval your final loan amount in most Texas cities is legally capped at the lesser of 3% of your gross annual income or 70% of the value of your vehicle. This "ability to repay" requirement is what allows a licensed lender to fund your loan quickly. If approved by a lender, you could have cash deposited into your checking account as early as one business day, depending on your bank's direct deposit or same-day ACH capabilities!

We offer title loan pre-approval throughout Texas, so even if you are looking for title loans in Houston, Dallas, or a smaller city anywhere in the state, there's no reason we can't help you cash out a significant portion of your car's equity. These loans are designed for someone with reasonable value in their vehicle but can't qualify for traditional loans because of poor credit.

For borrowers with a paid off vehicle and proof of income, you have a good chance of being pre-approved for a 24 hour title loan that allows you to borrow a percentage of your car's equity. Unless you're picking up the cash in person, there's simply nothing a Texas lender can do if you request an ACH or bank wire on a weekend or holiday, and in that case, you'll get your funds in as little as one business day.

Pre-Approval For A Same Day Title Loan With Bad Credit?

There's good news if you're worried about being rejected for a 24 hour title loan because of poor credit. There are many ways to improve your chances of qualifying for auto title loans in San Antonio or elsewhere in Texas, even with a bad credit score. Car title loans are available for any vehicle, and it doesn't matter if you have a FICO score of 600 or lower. If you have a newer vehicle titled and registered in your name, you can qualify for a loan with cash sent to your bank account that same day. That means just because you have poor credit doesn't mean these title loans aren't an option!

A 24-hour title loan requires that your vehicle be paid off. That way, your lender has some security if you fall behind on the payments and default on the loan. Before you apply, you want to make sure you're applying with a company offering same day title loans in Texas. Also, be sure they work with people with poor credit and are willing to provide a lower loan amount if you have an active bankruptcy petition or have missed past payments.

Title Loans In Less Than A Day - Apply Online Or With A Local Texas Lender

Completely online title loans, without a store visit, are designed for people with good credit who need money fast! Apply online with Texas Title Loans or call 1-844-243-3195 to apply by phone.

These loans are possible any day of the week, and it doesn't matter if you apply on a holiday, weekend, or even after hours late at night! We have agents standing by, ready to take your call and get you pre-approved for a loan that can be funded in one business day. It doesn't matter what day you apply, and we can get you pre-approved and into underwriting on a Saturday or Sunday!

Would you instead apply with a local company? That's no problem, and you can still qualify when you apply for a loan with a lender in your neighborhood. Whether you fill out our form online or in person, these fast funding loans are one solution when you need cash quickly.

There's no reason to wait for payday if you can get cash for your vehicle or big rig in 24 hours! Complete the Texas Title Loans application today and see how much you qualify for. You can also consider a title loan buyout or a refinance if you live in Texas and have an existing loan with another lender. Apply today!