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Texas Title Loans


Cash with your Car Title in Texas

With Fast Title Lenders get the cash you need as soon as today with no inspection and no store visit. Texas has several options for getting short term cash when you need it most. These include:

  1. Single Payment Car Title Loans
  2. Multiple Installment Car Title Loans
  3. Single Payment Payday Loans
  4. Multiple Payment Payday Loans

We’ll explain how each of these types of short term loans work in Texas and what you need to know to get the best loan for your situation. 

Before getting any title loan in Texas it is important to understand how to interpret the required disclosures. The fact that lenders are required to provide these disclosures, in the same form, makes it easier for borrowers to compare different title loans in Texas. We’ll explain more.   

No Credit Check

Instant Approval

Keep your Car

Texas Car Title Loan Benefits

24 Hour Service

Fast Cash

Get the quick cash you need with a car title loan in Texas 24 hours a day.

Car key on cash

Keep Driving

Unlike a car title pawn, keep driving your car while making payments.

Best interest rates on red dice

Best Rates

Keep more money in your pocket with the best interest rates.

Completely Online

100% Online

No need for a store visit or inspection.

Instant Online Title Loans in Texas

Getting a fast online title loan in Texas is quick and easy. You can drive a car, truck, or SUV, as long as you own the vehicle you can get the fast cash you need. Simply inquire now to start the process. Completing a title loan online, with no store visit and no inspection is fast and easy in Texas. 

How it Works - Types of Loans

As mentioned, Texas regulations require lenders to disclose loan information on a required form. This means every lender should be providing you with the same disclosure form when applying for a title loan. One item that we really like about this form is the following:

“Before getting this loan, ask yourself: 

  • Do I need to borrow this money?
  • Can I pay back the loan in full when it is due?
  • Can I pay my bills and repay this loan?
  • Can I afford late charges if I miss a payment?
  • Do I have other credit options?”

These are definitely questions you need to consider before moving forward with one of these loans. As an authoritative title loan information source, it is our strong opinion that if you answered no to any of the first four questions, then a title loan is not the right solution for you and will likely become a bigger problem. Preparing for a title loan includes preparing for a way to repay the loan without penalties and missed payments. 

There a few unique aspects to the way title loans work in Texas. For one, they offer both single payment and monthly payment loans. 

Single Payment Auto Title Loan

The first type of loan offered in Texas, per the Texas Administrative Code, is a Single Payment Auto Title Loan. On the disclosure, the state points out an interesting fact:

Of 10 people who get a new single payment title loan: 

  • 1 1/4 will pay the loan on time as scheduled. 
  • 1/4 will renew 1 time before paying off the loan.
  • 3/4 will renew 2 to 4 times before paying the loan. 
  •  7 3/4 will renew 5 or more times or will never pay off the loan. 
That means 77.5% of people will either renew the loan 5 or more times or never pay it off. That is a staggering number and one of the reasons you need to make sure can repay a single payment loan in the original timeframe. Otherwise rollovers can get costly. Now let’s take a look at a monthly installment loans

Monthly Payment Auto Loans

Of 10 people who get a new single payment title loan: 

  • 4 1/4 will pay the loan on time as scheduled. 
  • 3/4 will renew 1 time before paying off the loan.
  • 1 will renew 2 to 4 times before paying the loan. 
  •  4 will renew 5 or more times or will never pay off the loan. 

That means 40% of people will either renew the loan 5 or more times or never pay it off. That is much lower than 77.5%, but still high. It emphasize the need to prepare for a have a plan for paying off a title loan.

Texas Title Loan Calculator

Title Loans in Texas are done differently than other states. This makes calculating a realistic estimate a bit more difficult. We are working on one and will publish as soon as completed. 

Car Title Loan uses in Texas

The proceeds from a title loan in Texas can be used for any reason. Some of the common reasons borrowers get a title loan in Texas include:

General Expenses

Many people get title loans to cover general expenses until they have time to get the funds from another source. Having equity in a vehicle makes it easy.

Car Repairs

The cost of car repairs and even general maintenance in Texas can be expensive. When an unexpected car repair comes up, a title loan can help pay for the repair to keep your vehicle on the road.

Medical Bills

Medical expenses can also be significant in Texas with a variety of factors determining the actual cost of the visit. Car title loans can be used as a short term solution for paying medical bills.

Home Improvements

Just like other services even a small home improvement can cost quite a bit in Texas. Having equity in your vehicle makes it easy to go through with a home improvement using the proceeds from the loan.

Title Loan Types

What makes Texas Unique?

Texas, the Lone Star State, is renowned for its vast landscapes, rich history, and vibrant culture. From the sprawling deserts to the bustling cities, Texas offers a plethora of unique experiences that set it apart from anywhere else. Whether you’re a native Texan or a visitor, here’s a how-to guide for immersing yourself in the distinctive essence of Texas:

  1. Texan Cuisine Delights:

    • Sink your teeth into authentic Texan barbecue, a culinary tradition deeply ingrained in the state’s culture. Head to renowned joints like Franklin Barbecue in Austin or Pecan Lodge in Dallas for mouthwatering brisket, ribs, and sausage.
    • Indulge in Tex-Mex cuisine, a fusion of Texan and Mexican flavors. Don’t miss out on classics like breakfast tacos, enchiladas, and fajitas, best enjoyed at local taquerias or family-owned Mexican restaurants.
  2. Rodeos and Western Culture:

    • Experience the thrill of a rodeo, a quintessential Texan pastime. Check out events like the Houston Livestock Show and Rodeo or the Fort Worth Stock Show and Rodeo to witness bull riding, barrel racing, and bronc riding, along with live music and carnival attractions.
    • Immerse yourself in Texas’s rich western heritage by visiting cowboy museums and historic ranches like the King Ranch or the Lyndon B. Johnson National Historical Park.
  3. Natural Wonders and Outdoor Adventures:

    • Explore the diverse landscapes of Texas, from the rugged canyons of Palo Duro Canyon State Park to the serene beauty of Big Bend National Park. Hike, bike, or camp amidst breathtaking scenery that showcases the state’s natural wonders.
    • Take a dip in the refreshing waters of Texas’s iconic swimming holes, such as Hamilton Pool Preserve near Austin or Jacob’s Well in Wimberley, offering a cool respite from the scorching Texas heat.
  4. Southern Hospitality and Small-Town Charm:

    • Experience the warmth of Texan hospitality in charming small towns like Fredericksburg, Gruene, or Marfa. Stroll down main streets lined with boutique shops, art galleries, and local eateries, and immerse yourself in the laid-back atmosphere of rural Texas.
    • Attend local festivals and events celebrating Texan traditions, such as the Texas State Fair in Dallas or the Houston Livestock Show and Rodeo, where you can sample regional delicacies, enjoy live music, and partake in fun-filled activities for the whole family.
  5. Texan Music and Cultural Festivals:

    • Immerse yourself in the vibrant music scene of Texas, the birthplace of legendary genres like blues, country, and rock ‘n’ roll. Catch live performances at iconic venues like Austin’s Sixth Street or the historic Gruene Hall, where you can dance the night away to the sounds of talented local musicians.
    • Experience the cultural diversity of Texas at festivals celebrating everything from Czech heritage in West to German Oktoberfest in Fredericksburg. Join in the festivities, sample traditional foods, and embrace the spirit of community that defines Texan culture.

Title Loan Locations in Texas

Car title loans are widely available in Texas. This includes all major cities and the surrounding areas. Finding a title loan near you in Texas is easy with locations in:

Texas Facts

  • Nickname: The Lone Star State
  • Statehood: 1845; 28th state
  • Population (as of July 2015): 27,469,114
  • Capital: Austin
  • Biggest City: Houston
  • Abbreviation: TX
  • State bird: mockingbird
  • State flower: bluebonnet

Texas Area Codes

210, 214

Texas Demographics - Housing

 Since 20172015-20162010-20142000-20091990-19991989 or earlier

Frequently Asked Questions

Yes, getting a completely online title loan in Texas is fast and easy with no need to leave your home. 

The benefit of a car title loan in Texas is they are secured by the equity in your vehicle. This means the loan amount is based on your vehicle value, not your credit score.

There is usually no prepayment penalty with title loans. This means you can pay your loan in full at any time to save on interest charges. The best title loan companies have no prepayment penalty. 

Yes, in Texas completely online title loans with no inspection are often funded by direct deposit. Other funding methods include a debit card and check. There are also no phone call options available. 

Auto Places in Texas