Texas Car Title Loans

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Do You Need Money Fast?

A car title loan could be the perfect answer to help you get the money you need as fast as possible.

Fast, No Hassle Process

Each situation is unique but below is the most common items that you will need to complete a loan application. To speed up the process, these items can be submitted by text message or email.
  • Qualifying Vehicle - Car, Truck, Van, SUV, Motorcycle, Commercial Vehicle That is Paid Off
  • Photo Identification - Driver's License or State Issued ID Card
  • Insurance on Your Vehicle
  • Proof of Your Home Address - Utility Bill
  • Proof of Your Income - Latest Paystub
  • Photos of Your Vehicle

Car Title Loans in Texas Online

We make it easy to get the cash you need even when you don't qualify for a traditional bank loan. If you own your car you could qualify for a car title loan and get the cash you need. Residents in the Sacramento area can borrow between $2,500 and $50,000 even when your credit is bad or credit scores are low.
It is easy to apply for your car title loan. You can get started by simply completing a few quick questions online. You will know exactly how much you can qualify for within a few short minutes. Using the equity in your car you could find the answers that you need to your financial problems today.

Keep Your Car While Paying Your Title Loan Back

You will be able to keep your car to use while paying your title loan back. Your title loan lender will simply hold the title to your car just like the original lender when you bought your vehicle. Once your loan is paid off you will get your title back.

What Are Car Title Loans?

Car title loans, also known as auto title loans or vehicle title loans, are a type of short-term, secured loan that allows borrowers to use their vehicle title as collateral. This means that the lender places a lien on the borrower's car title in exchange for the loan amount. Once the loan is repaid in full, the lien is removed, and the car title is returned to the borrower.

Understanding Texas Car Title Loan Regulations

Texas Car Title Loan Limits

In Texas, car title loan amounts are primarily determined by the value of the vehicle, but there are no specific regulations regarding the minimum or maximum loan limits. Most car title loan providers in Texas offer loans ranging from *$1,000 to $25,000** or more, depending on the vehicle's value and the borrower's ability to repay.

Texas Car Title Loan Interest Rates and Fees

Texas law does not cap interest rates on car title loans, which means lenders can charge higher rates than other types of loans. However, the law requires lenders to disclose all fees and interest rates upfront. It is essential for borrowers to carefully review the loan agreement to ensure they understand the total cost of the loan.

Loan Repayment Terms

In Texas, car title loans typically have a repayment term of **30 days**, but some lenders may offer longer terms. If a borrower is unable to repay the loan within the specified term, they may have the option to extend or "rollover" the loan, which could result in additional fees and interest charges.

Car Title Loan Requirements in Texas

To qualify for a car title loan in Texas, borrowers must meet the following requirements:

Vehicle Ownership

The borrower must own the vehicle outright, with no existing liens or financing. The vehicle title must be in the borrower's name and registered in Texas.

Age and Identification

Borrowers must be at least **18 years old** and provide a valid government-issued photo ID, such as a driver's license or passport.

Proof of Income and Expenses

Lenders typically require proof of a stable and consistent income source, such as pay stubs, bank statements, or Social Security benefits. Borrowers may also need to provide proof of their monthly expenses, such as rent or mortgage payments, utility bills, and insurance premiums.

Vehicle Inspection

Lenders may require a physical inspection of the vehicle to determine its value and condition. This typically involves taking photographs and checking the vehicle's mileage, make, model, and year.

Proof of Insurance

Borrowers must provide proof of full coverage insurance for the vehicle used as collateral, as this protects the lender's investment in case of an accident or theft.

Choosing the Right Car Title Loan Provider in Texas

When selecting a car title loan provider, consider the following factors:

1. Interest Rates and Fees: Compare different lenders to find the most competitive rates and fees.
2. Reputation: Research the lender's reputation, customer reviews, and Better Business Bureau rating to ensure they are trustworthy and reliable.
3. Loan Terms: Look for lenders offering flexible repayment terms and options to avoid potential financial stress.
4. Customer Service: Choose a lender with responsive and helpful customer service, as this can make the loan process more straightforward and stress-free.

Car title loans in Texas can be a viable option for those in need of quick cash and who have a clear vehicle title. However, it's crucial to understand the loan limits, requirements, and regulations governing car title loans in the state. By doing thorough research and comparing different lenders, borrowers can find a reputable and trustworthy car title loan provider that best meets their needs.

Frequently Asked Questions

1. Can I get a car title loan in Texas if I have bad credit?

Yes, car title loans are typically available to borrowers with bad credit or no credit history. Since these loans are secured by the vehicle's title, lenders are less concerned about the borrower's credit score and focus more on the vehicle's value and the borrower's ability to repay the loan.

2. Can I keep driving my car while repaying a car title loan in Texas?

Yes, borrowers can continue to use their vehicle while repaying a car title loan, as long as they meet the repayment terms outlined in the loan agreement. The lender only holds the car title as collateral and does not take possession of the vehicle.

3. What happens if I cannot repay my car title loan in Texas?

If a borrower fails to repay a car title loan in Texas, the lender has the right to repossess the vehicle to recover the outstanding loan balance. The lender may sell the vehicle at auction, and any excess proceeds after covering the loan balance and repossession costs must be returned to the borrower.

4. How quickly can I get a car title loan in Texas?

The application and approval process for a car title loan in Texas can be completed within a few hours or a day, depending on the lender's requirements and the borrower's preparedness. Once approved, the loan funds are typically disbursed the same day or within 24 hours.

5. Are there alternatives to car title loans in Texas?

Yes, there are several alternatives to car title loans in Texas, such as personal loans, payday loans, or credit card cash advances. Borrowers can also explore options like borrowing from friends or family, seeking assistance from local charities, or negotiating payment plans with creditors. It's essential to consider all available options and weigh the costs and benefits before choosing a car title loan.

Cities We Serve

  • Houston
  • San Antonio
  • Dallas
  • Austin
  • Fort Worth
  • El Paso
  • Arlington
  • Corpus Christi
  • Plano
  • Laredo
  • Lubbock
  • Irving
  • Garland
  • Amarillo
  • Grand Prairie
  • Brownsville
  • McKinney
  • Frisco
  • Pasadena
  • Killeen
  • Mesquite
  • McAllen
  • Waco
  • Denton
  • Midland
  • Carrollton
  • Round Rock
  • Abilene
  • Pearland
  • Beaumont
  • Odessa
  • Richardson
  • College Station
  • Lewisville
  • Tyler
  • League City
  • Wichita Falls
  • Allen
  • San Angelo
  • Edinburg
  • Sugar Land
  • Mission
  • Conroe
  • Bryan
  • Longview
  • Pharr
  • New Braunfels
  • Baytown
  • Flower Mound
  • Cedar Park
  • Temple
  • Missouri City
  • Georgetown
  • North Richland Hills
  • Mansfield
  • Victoria
  • Harlingen
  • Pflugerville
  • San Marcos
  • Rowlett
  • Port Arthur
  • Euless
  • Grapevine
  • DeSoto
  • Galveston
  • Wylie
  • Bedford
  • Leander
  • Cedar Hill
  • Texas City
  • Keller
  • Little Elm
  • Burleson
  • Haltom City
  • Rockwall
  • Kyle
  • The Colony
  • Coppell
  • Sherman
  • Huntsville
  • Weslaco
  • Schertz
  • Friendswood
  • Duncanville
  • Lancaster
  • Hurst
  • Rosenberg
  • Texarkana
  • Farmers Branch
  • San Juan
  • Del Rio
  • Lufkin
  • La Porte
  • Waxahachie
  • Socorro
  • Deer Park
  • Nacogdoches
  • Copperas Cove
  • Southlake
  • Harker Heights
  • Weatherford
  • Cleburne
  • Cibolo
  • Seguin
  • Eagle Pass
  • Big Spring
  • Lake Jackson
  • Greenville
  • Colleyville
  • Alvin
  • Sachse
  • Kingsville
  • Hutto
  • Balch Springs
  • Midlothian
  • University Park

What Our Customers Say


iTitleLoans.com is NOT A LENDER and we do not make short-term cash loans or credit decisions. However, we have a vast network of lenders across the country who do provide these services. These include but are not limited to Tradition Media Group and Champion Financial Services.

We are able to help borrowers in almost all states even though we do not have physical locations.

The loan amounts offered by our lenders will vary based on the vehicle value and the borrower's ability to repay.

Since we do not lend money directly we cannot offer you a solicitation for a loan. In all serviced states we WILL connect you with a lender based on the information you provide on this website or via phone conversation. There is no charge to you for this service and our service is not available in all states. States that are serviced by this website are subject to change without notice. Loans are not available in all states and areas.

Interest rates and payment terms are set by individual lenders and we have no control over these. The use of the word, “competitive,” or “reasonable,” does not mean “low-cost” and borrowers should use discretion when working directly with the lender.

We cannot guarantee we will find a lender who will fund you. Submitting information on this website does not guarantee loan approval. Not all lenders can provide loan amounts you may see on this website due to state laws or individual lender requirements.

In some circumstances faxing may be required. Use of your cell phone to receive updates is optional. Please review our Privacy Policy.

Subprime loans can be costly, and there may be more affordable alternatives available to you. It's important to note that these loans are designed to address immediate cash needs and should not be used as a long-term solution. Additionally, eligibility for loans may vary by state, and our company has no access to information regarding rejected loan applications. If you have any questions about loan rejections or eligibility, we recommend contacting the lender directly for more information.

Lenders are typically licensed by the state where you live. We recommend that you contact the relevant regulatory agency to ensure that your lender is licensed and compliant with state regulations. These agencies exist to protect you, and we strongly advise ensuring that any lender you receive funds from is fully licensed.