Texas Loan Compare

Title Loans in Texas

Title loans in Texas allow vehicle owners to borrow money using their car, truck, or motorcycle title as collateral. Because the loan is secured by your vehicle, lenders can offer larger amounts and potentially lower interest rates compared to unsecured alternatives. Texas title loans are regulated under the Credit Access Business (CAB) model, and borrowers should carefully review all fees and terms before proceeding. While title loans can provide quick access to significant funds, the risk of losing your vehicle if you default makes it essential to have a solid repayment plan in place.

Loan Amount
$1,000 - $25,000
Typical APR
85% - 300%
Loan Term
30 days - 12 months
Funding
Same Day Available

Requirements

  • Clear vehicle title in your name
  • Vehicle must be fully paid off (or nearly)
  • Valid Texas driver's license
  • Proof of income
  • Vehicle inspection may be required

Pros

  • +Larger loan amounts than payday loans
  • +No credit check required by many lenders
  • +Keep driving your vehicle during the loan
  • +Fast approval, often same day
  • +Available regardless of credit history

Cons

  • -Risk of losing your vehicle if you default
  • -High interest rates and fees
  • -Texas CAB fees can add significant cost
  • -Loan amount limited by vehicle value
  • -Short initial terms may require refinancing
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Loan Payment Calculator

Estimate your monthly payment before you apply.

$13,000
$100$25,000
85.0%
1%36%
12 months
3 mo60 mo
Monthly Payment
$1644.00
Total Payment
$19728.03
Total Interest
$6728.03

* This calculator provides estimates only. Actual rates, terms, and payments may vary based on your credit profile, lender, and loan type. APR includes both interest rate and any applicable fees.

Title Loans by Texas City

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Texas Title Loans Regulations

Texas regulates consumer lending through the Texas Finance Code and the Office of Consumer Credit Commissioner (OCCC). Key regulations affecting title loans in Texas include:

  • Licensing: All lenders and Credit Access Businesses (CABs) must be licensed with the OCCC.
  • Fee Disclosure: Under the Truth in Lending Act (TILA), lenders must clearly disclose the APR, finance charges, total amount financed, and total of all payments before you sign.
  • No Usury Cap (Most Loans): Texas does not have a traditional usury cap for consumer loans arranged through CABs, meaning interest rates can be high. Always compare offers carefully.
  • Right to Cancel: Texas law provides a right to cancel certain loan agreements within specific timeframes.
  • Collection Practices: The Texas Debt Collection Act prohibits abusive, deceptive, and unfair debt collection practices.
  • Military Protections: The Military Lending Act caps APR at 36% for active-duty service members and their dependents.

For complaints or questions, contact the Texas OCCC at (800) 538-1579.