What Do You Need for Bad Credit Auto Title Loans in Texas?

17 May 2023
Updated on 19 Aug 2025
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In times of urgent financial need, Texas title loans can give you quick access to cash. At Texas Car Title and Payday Loan Services, Inc., we specialize in bad credit auto title loans in Texas, offering up to $15,000 based on your vehicle’s value.

These loans are designed to help borrowers with less-than-perfect credit cover emergencies like rent, utilities, or medical expenses. Here’s exactly what you’ll need to qualify.

The Four Requirements for Title Loans in Texas

Before applying, think carefully about how much money you actually need. Borrowing only what’s necessary will help you avoid additional debt. Once you know your exact amount, here are the four key items required for title loans in Texas:

couple researching bad credit auto title loans with text What must I have for Bad Credit Auto Title Loans in Texas?

1. Valid Identification

This requirement is no different than loans from traditional lending institutions like banks or credit unions. You simply can't borrow money without supplying a valid (in other words, in date) form of state-issued identification. Whichever document you decide to use, it needs to show your full name (as it's written on your birth certificate), date of birth (to prove that you're over 18 years old), and your photo (so we can put a face to the name). You can use your driver’s license or another form of ID.

2. Proof of Income

You should know that you don't need to have a good credit score to get a title loan in Texas. After all, they're designed for borrowers without completely positive financial backgrounds. However, we said earlier that you still need to prove you can repay it — and having proof of your income is how you do it. Typically, your proof of income will be your most recent pay stub. That said, you can still qualify if you don't have that. You might be able to supply the following documents to satisfy this requirement:

  • Social Security benefits
  • Inheritance money
  • Trust funds
  • Workers compensation
  • Severance payments
  • Court-ordered monetary settlement

Notice how we said “might be able”, this is because we recommend you give us a call before you decide to bring in one of these other documents. While you can supply other forms of income if you don’t have your most recent pay stub, you should still call us and let us go over your other options. We would hate for you to make it all the way to the in-person vehicle inspection, just to have the process end because you brought the wrong proof for bad credit auto title loans in Texas.

3. Lien-Free Vehicle Title

Getting bad credit auto title loans in Texas requires you to use your lien-free vehicle title as collateral to secure the money. In this case, we only work with lien-free vehicle titles, so check to make sure your title is free of any outstanding liens or judgments before beginning the process. Lien-free titles confirm that you don't have anything left to pay relating to your vehicle. Therefore, we can insert a lien on to it without setbacks to secure your loan. 

4. Your Vehicle for Inspection

Finally, you must allow us to look at your vehicle. We use this to establish how much we can lend you — which can be anything up to $15,000. Please keep in mind that we only accept pickup trucks, cars, or vans; other modes of transportation aren't permitted. Unbeknownst to what you may think, we won't ask to keep your vehicle while you repay the loan. We just need to assess its value to figure out how much we can lend you. We calculate the value based on a myriad of factors, including:

  • Its age
  • Its odometer reading
  • Its make and model
  • Its service history
  • Its condition

bad credit for auto title loans

Why Choose Texas Title Loans?

With bad credit auto title loans in Texas, approval isn’t based on your credit score. Instead, it’s based on your vehicle’s value and your ability to repay. Our process is designed to be fast, simple, and convenient so you can get the money you need without unnecessary delays.

Get Bad Credit Auto Title Loans In Texas Right Here, Right Now!

You only need these four items to acquire bad credit auto title loans in Texas from Texas Title and Payday Loan Services, Inc. With this information, you’re well-prepared for the in-person vehicle inspection. Start the process by filling out our online form, and we'll be in touch to help with the rest.

Frequently Asked Questions About Title Loans

How much can I borrow with a Texas title loan?

You may qualify for up to $15,000, depending on your vehicle’s condition and equity.

Do I need a bank account to get a title loan?

No. A bank account is not required for approval.

Will I lose my car with a title loan?

No. You keep driving your car while making payments. The lender only places a lien on your title until the loan is repaid.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.

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