How Title Loans Work: A Complete Guide
Everything you need to know about title loans - from application to repayment.
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State Guide
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Title Loans in Texas
Texas has an active title lending market. Learn about Texas title loan laws, requirements, and how to find a legitimate lender.
Find Texas LendersTitle Loans Legal
Yes
Regulated By
OCCC
Max Loan Amount
No cap
Max Interest Rate
No cap
Cooling-Off Period
None
License Required
Yes (CAB)
Title Loans in Texas: What You Need to Know
Texas has an active title lending market. Unlike many other states, Texas has relatively few restrictions on title loan amounts or interest rates, making it important for borrowers to carefully compare offers and understand terms before committing.
How Title Loans Work in Texas
In Texas, title loans are typically structured as "credit access business" (CAB) loans. Under this model, a licensed CAB helps you obtain a loan from a third-party lender and charges a fee for this service. The CAB fee is in addition to the interest charged by the lender.
Texas Title Loan Regulations
Title loans in Texas are regulated by the Office of Consumer Credit Commissioner (OCCC). CABs must be licensed with the OCCC. Lenders must provide written disclosures of all fees and terms.
- Lenders must be licensed with the OCCC (Office of Consumer Credit Commissioner)
- Maximum loan amount: No cap
- Maximum interest rate: No cap
- Cooling-off period: None
Typical Terms in Texas
While terms vary by lender, here's what you can typically expect:
- Loan amounts: $100 to $10,000+ depending on vehicle value
- APR1: Often 200% to 500% or higher when CAB fees are included
- Loan terms: Usually 30 days to 6 months
- Loan-to-value: Typically 25% to 50% of vehicle value
Texas Requirements
- Be at least 18 years old
- Have a valid Texas driver's license or ID
- Own a vehicle with a clear Texas title
- Provide proof of income
- Have proof of Texas residency
- Provide vehicle registration and insurance
Regulatory Authority
Texas title loans are regulated by the OCCC (Office of Consumer Credit Commissioner).
Visit OCCC Website →To verify a lender is licensed, search their database or call (512) 936-7600.
Important Warning for Texas Borrowers
Before taking out a title loan in Texas:
- • Ask for the total cost of the loan including ALL fees
- • Calculate the true APR including CAB fees
- • Consider alternatives like credit union loans or personal loans
- • Only borrow what you can afford to repay
- • Understand that you could lose your vehicle if you default
Title Loans in Major Texas Cities
TitleHarbor connects you with licensed title loan lenders throughout Texas. Find detailed information about title loans in your city below.
Title Loans in Houston, Texas
Population: 2.3 million+|Metro: 7 million
Energy capital with oil, gas, and aerospace. Fourth-largest city in the US and home to NASA.
Why Houston Residents Choose TitleHarbor
- Fast funding2 available in Houston
- Licensed lenders serving Houston residents
- Keep driving your car while repaying
Title Loans in San Antonio, Texas
Population: 1.5 million+|Metro: 2.5 million
Military presence and tourism. Home to the historic Alamo.
Why San Antonio Residents Choose TitleHarbor
- Fast funding2 available in San Antonio
- Licensed lenders serving San Antonio residents
- Keep driving your car while repaying
Title Loans in Dallas, Texas
Population: 1.3 million+|Metro: 7.6 million
Financial center with Fortune 500 companies. Part of the DFW metroplex, fourth-largest metro in the US.
Why Dallas Residents Choose TitleHarbor
- Fast funding2 available in Dallas
- Licensed lenders serving Dallas residents
- Keep driving your car while repaying
Title Loans in Austin, Texas
Population: 1 million+|Metro: 2.3 million
State capital and major tech hub. Known as the "Live Music Capital of the World".
Why Austin Residents Choose TitleHarbor
- Fast funding2 available in Austin
- Licensed lenders serving Austin residents
- Keep driving your car while repaying
Texas City Title Loan Guides
Get detailed local information for these major Texas cities:
All Texas Cities We Serve
Our network of licensed lenders serves borrowers throughout Texas, including:
Houston →San Antonio →Dallas →Austin →Fort WorthEl PasoArlingtonCorpus ChristiPlanoLubbock+ All other Texas cities
Frequently Asked Questions About Title Loans in Texas
Get answers to common questions about getting a title loan in Houston and other Texas cities.
How quickly can I get a title loan in Houston?
Most borrowers in Houston can get approved for a title loan within 30 minutes of applying. Once approved, you can typically receive your funds the same day or within 24 hours. The speed depends on when you apply and how quickly you provide the required documents. TitleHarbor connects you with licensed lenders in Houston who specialize in fast title loans and same day funding.
Are there title loan locations near me in Houston?
Yes, TitleHarbor works with multiple licensed title loan lenders throughout Houston and the surrounding areas. When you submit your information through our platform, we'll connect you with lenders who have convenient locations near you. Many of our partner lenders also offer mobile services where they come to you for vehicle inspection and loan finalization.
What are the average title loan amounts in Houston?
In Houston, title loan amounts typically range from $1,000 to $10,000, depending on your vehicle's value, condition, and equity. The average loan amount is around $2,500 to $3,000. Lenders generally offer 25% to 50% of your vehicle's current market value. TitleHarbor's partner lenders in Houston provide free vehicle appraisals to determine exactly how much you can borrow.
Can I get a title loan with bad credit in Houston?
Absolutely. Bad credit title loans are available throughout Houston because lenders focus on your vehicle's value rather than your credit score. Your car serves as collateral, which means most lenders don't run traditional credit checks or base approval decisions on your credit history. TitleHarbor specializes in connecting borrowers with bad credit to understanding lenders who approve based on your ability to repay and your vehicle's equity.
What documents do I need for a title loan in Houston?
To get a title loan in Houston, you'll need: (1) Your vehicle title in your name showing you own the car free and clear, (2) A government-issued photo ID like a driver's license, (3) Proof of income such as pay stubs, bank statements, or benefit letters, and (4) Proof of residence like a utility bill or lease agreement. Most borrowers already have these documents on hand, which is why the approval process is so quick.
Tips for Texas Title Loan Borrowers
Verify the Lender
Only work with CABs licensed by the Texas OCCC. You can verify licenses on their website or by calling their consumer hotline.
Get Everything in Writing
Texas law requires written disclosures. Make sure you receive and understand documents showing all fees, interest, and total repayment amount.
Know Your Rights
If you have complaints about a Texas title lender, contact the OCCC at (512) 936-7600 or file a complaint online.
Avoid Rollovers
Rolling over your loan extends your debt and adds more fees. If you can't repay on time, contact your lender about alternatives before the due date.
Title Loan Resources & Guides
Learn more about title loans with our comprehensive guides. Understanding your options helps you make better financial decisions.
Title Loan Requirements: What You Need to Qualify
A detailed breakdown of what you need to apply for a title loan.
Read ArticleUnderstanding Title Loan Interest Rates and APR
Learn how APR works and what rates to expect.
Read ArticleHow to Avoid Title Loan Scams
Protect yourself from predatory lenders.
Read ArticleWhat Happens If You Can't Repay Your Title Loan?
Understand your options if you face repayment difficulties.
Read ArticleAlternatives to Title Loans
Explore other options before deciding on a title loan.
Read ArticleOther State Guides
Looking for information about title loans in another state?
Find Licensed Texas Lenders
Connect with licensed title loan lenders operating legally in Texas.
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