Texas Loan Guide

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

How much do you need?

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Top Rated Lenders for Title Loans

#1
L

Lone Star Lending

4.6

Texas-based lender focused on serving the Lone Star State. Offers personal, auto title, and installment loans with local customer service.

APR Range
8.99% - 34.99%
Loan Amount
$500 - $25,000
Min. Credit Score
550
Funding Speed
1-3 business days
  • Texas-based customer support
  • Multiple loan types available
  • No prepayment penalties
  • Credit score improvement program
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Checking rates will not affect your credit score

#2
Q

QuickFund Texas

4.5

Specializing in same-day funding for Texas borrowers. Offers payday and installment loans with a streamlined online application process.

APR Range
12.99% - 35.99%
Loan Amount
$200 - $5,000
Min. Credit Score
None
Funding Speed
Same day
  • No minimum credit score
  • Same-day funding available
  • Simple online application
  • Flexible repayment options
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Checking rates will not affect your credit score

#3
T

TitleMax Express

4.0

Leading auto title loan provider in Texas. Use your vehicle as collateral to access larger loan amounts regardless of credit history.

APR Range
85% - 250%
Loan Amount
$1,000 - $25,000
Min. Credit Score
None
Funding Speed
Same day
  • Keep driving your vehicle
  • Loan based on vehicle value
  • No credit check required
  • In-store and online options
Apply Now — Check Rates

Checking rates will not affect your credit score

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

Title in HoustonTitle in San AntonioTitle in DallasTitle in AustinTitle in Fort WorthTitle in El PasoTitle in ArlingtonTitle in Corpus ChristiTitle in PlanoTitle in LaredoTitle in LubbockTitle in GarlandTitle in IrvingTitle in AmarilloTitle in Grand PrairieTitle in BrownsvilleTitle in McKinneyTitle in FriscoTitle in PasadenaTitle in Killeen

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.