Texas Title loans has a handful of convenient locations throughout the state where you can meet with us in person. Our San Antonio office is currently closed in response to city Covid restrictions. But, we’re still fully staffed and ready to help customers who call in and have questions about Title loan options in Texas. Rest assured we’ll be back open soon and ready to help you with all your title loan needs.
We are known as one of the best companies to deal with when you decide to move forward with a title loan in Texas. We’ve been in business since 2014 and our sole focus is on secured lending. Qualified residents who live in the San Antonio Texas area can apply for a loan using the collateral in their vehicle. The amount of money you get with a title loan will vary, but it’s often based on the current vehicle.
The price range for online title loans can vary from store to store and with the many title loan companies near you in Texas. The actual price, including all fees and charges, minus the original price of the car is what you will be paying back on your loan. Regardless of what the advertised price that the lender is playing with is, you can still get approved for this loan through one of these lenders without even meeting anyone or providing any additional planning or research. As a holder of a title loan, now is the best time to contact one of these lenders or just go to the local car lot with your loan paperwork.
In almost all scenarios you will need to submit basic information that proves your identity and financial information. Most lenders will be ok at first with pictures and documents that show proof of ownership and vehicle information. Ultimately, your vehicle will need to be inspected and this can be done in person at our San Antonio location. The inspection and paperwork will be signed off by one of our friendly customer service agents. In other situations, you may have a registered notary agent sign off on the necessary documents.
Some title lenders in San Antonio may ask for additional items in order to complete the loan process. However, title loan companies are very fast and efficient, even for first-time applicants. Some companies claim they will approve clients without providing any information on the job, credit history, or cash down payment. However, this is rare and often is only said to get you to fill out an online application. In reality, any San Antonio-based title loan company will need to view the vehicle in person to check for damage or other problems.
The city of San Antonio has restrictions in place that limit the number of fees a lender can charge you. These differ from state and federal restrictions and it’s important to stay up to date on recent citywide changes. As of 2021, the city code limits title loan amounts to amounts lower than 3% of the applicant’s gross income. Also, any lender operating in the city limits will need a valid Registration Certificate from the city to conduct business.