ONLINE TITLE
LOANS ON A TRUCK

Texas Title Loans offers title loans in Texas for those looking to use their vehicle as collateral. But did you know you can get a same day title loan for your semi-truck? Not only that, but loan amounts are often higher with truck title loans, and the approval process can be easier for a commercial truck if you own your own business. These loans are available regardless of your credit history; loan amounts range from $5,000 to $50,000 in Texas.

All types of trucks can qualify, and the approval process is quick for anyone who owns a truck with low mileage. We offer pre-approval for title loans on work trucks, commercial trucks, and all types of commercial equipment. The value of your truck determines the loan amount and you can often pull out 40% or more of the truck’s equity value. Like a title loan on a car or motorcycle, a lender will keep the pink slip to your semi truck as collateral. They’re added as a lienholder to the title; at that point, they’re the truck’s legal owner. You can keep driving your big rig after signing the pink slip.

Walk into any local lending office in Texas and apply in person, get started with our online application, or call us at 844-243-3195 to see how much you can borrow. Texas Title Loans has been a leading provider of vehicle title loans in Texas for years and we’re proud to be one of the best companies to work with as of 2025 regarding commercial truck title loans!

How To Qualify And How Much Can I Get With A Truck Title Loan

Truck title loans are possible for any commercial truck driver in Texas, and loan amounts average $4,000. The truck’s value determines the final funding amount. You have the best odds of qualifying for a truck title loan with a newer rig and even if you have over 250,000 miles on your truck you can still be eligible for a title loan of $3,000 or more.

Are you ready to get started with Texas Title Loans and see how much you can borrow? We’ll need your truck’s year, make, model, VIN, and odometer reading to get you an initial quote, and at some point, there will be an inspection of the truck to determine its condition and whether or not it matches the current resale amount.

After the truck is inspected, you’ll be told how much money you can borrow. Repayment terms depend on the loan amount and your ability to repay, but you should have 8 to 42 months to repay the loan. Title loans on commercial trucks and semi trucks have interest rates above 40%, making them challenging to repay if you only make the minimum payments.

One important factor to remember about the truck title loan approval process in Texas is that you’ll never have to hand over the keys to your rig to get funded. No one wants to pawn their commercial truck and not be able to use it for work and that’s why it never makes sense to give up your truck as collateral for a loan. Semi truck title loans are always possible with just a pink slip as collateral, and that’s what sets Texas Title Loans apart from other companies offering pre-approval in Texas!

Truck Title Loans – What Are The Pros And Cons

There are quite a few benefits of truck title loans:

– Fast online approval. Don’t waste days finding out if you can borrow cash with your semi-truck! Texas Title Loans can take your application entirely online or call us at 844-243-3195 for a hassle free quote.

– Flexible payment terms. Most lenders have set payoff amounts and repayment terms for unsecured loans. With a truck title loan, however, you can choose the timeframe to repay your loan. There’s no pre-payment penalty when you pay off a truck equity loan!

– Limited credit requirements. You stand little chance of getting an unsecured loan from a bank if you have poor credit. On the other hand, Title loans use the equity from your truck as security, which means your credit is not a primary underwriting requirement. Texas Title Loans offers instant approval for semi truck title loans and you won’t be subject to an extensive credit check!

– Significant loan amounts. Banks and credit unions typically only offer a few thousand dollars for a personal loan. A semi truck title loan, on the other hand, can lead to a funding amount of $10,000 or more, as it all depends on the truck’s value! Some customers qualify for up to $50,000 with high value rigs.

– Cash in 24 hours. Commercial truck title loans can be funded quickly and companies in Texas offer direct deposit title loans! These loans allow you to get money sent to your checking account quickly with funds available from your bank within one business day!

Consider the cons that come with a title loan on your truck:

-Repossession. Defaulting on a secured loan means the lender can repossess your truck. Even if you fall behind on one payment, there’s a chance you can lose your vehicle!

-Excessive interest rates. The APR with a truck title loan is high; here in Texas, it can approach 100% with some lenders! Collateral loans have lower interest rates than payday loans. Still, they can be challenging to repay and should only be used in financial emergencies where you have no other option but to use a truck as collateral for a loan.

-Lengthy repayment terms. You can typically borrow $2,000 or more with a big rig title loan in Texas. Because of these higher loan amounts, you may face a payoff time of 12 months or more. The longer you wait to repay your loan, the more you will pay finance charges.

Apply For A Truck Title Loan With Texas Title Loans

Any truck owner can qualify for a title loan in TX, and all you need is a CDL, title to your truck, and proof of income! Pass an inspection, sign your lending documents, and sign over your truck’s title to get cash in one business day or less. All trucks are eligible, including semi trucks, work trucks, construction vehicles, and work vans.

Call us today at 844-243-3195 or apply online at Texas Title Loans to start your application for an equity loan on a commercial truck!