How to Use Auto Title Loans to Pay Traffic Tickets in Texas

Auto title loans offer a simple and fast way to get the cash you need when faced with unexpected expenses, like traffic tickets. With just your vehicle’s title as collateral, you can quickly borrow a loan amount based on the value of your car, ranging anywhere from $500 to $15,000. This makes them ideal for emergencies where you need quick financial relief, like paying off fines before they escalate.

In this article, we will explore some ways to pay traffic tickets in Texas, whether it’s through your Texas ticket forgiveness programs that the city government offers, charity, or quick loans for traffic tickets, like title loans. Select the option that works best for you.

Use These Options To Get Help Paying Tickets

See If You Are Eligible For A Deferred Disposition

If you find yourself needing to go to court to resolve your case, you may be able to get a deferred disposition. This is an agreement in Texas between the court and yourself that if you finish the deferred disposition requirements, the case will be dismissed. That means your help paying tickets in Texas results in you not having to worry about the fine.

The judge will order certain requirements to complete the disposition and you will then have to show proof that you have followed what’s outlined. It’s the judge’s call whether a deferred disposition is an option, so be sure to ask the judge while you’re in court. Or you can check with the court clerk before your court appearance to see if it’s a possibility.

Don’t Refuse To Pay

Never ignore traffic tickets, even if you know you can’t pay or need help paying. If you can’t afford the fine, at least make a court appearance because otherwise you may be arrested or get fined even more for not appearing. Instead, head to court on your date and show that you are not able to pay.

In Texas, judges are required to ask if you can pay a certain cost or fine when you are sentenced. If they don’t ask you, tell the judge that you cannot pay and tell them why, even if the reason is just that you don’t have the cash. Bring evidence along with you that shows that you cannot afford the fine and need help paying speeding tickets in Texas.

If the judge agrees that you are not able to pay, they should walk you through some alternatives when you want to know how to pay off traffic fines fast when you do not have the emergency cash available. This could include a full payment at a later date (usually a month later), a payment plan such as monthly installments, working off the fine through community service, a fee waiver, or a fine reduction to an amount you can afford.

Take Advantage Of A Ticket Forgiveness Or Amnesty Program

When you are issued speeding tickets in TX and think you will need help paying the fine, try to find out if an amnesty program or Texas ticket forgiveness programs are an option. These programs generally are available through city governments and mostly benefit low-income people. There are also several welfare programs designed to assist low-income people and families with speeding tickets.

Find A Charity

If there’s not an official amnesty or forgiveness program available to you, try a local charity or nonprofit. Many may help those who are low-income either cover a traffic ticket entirely or help with most of the cost. Churches have similar funds set up to help those in need, especially those who are long-time members of the church. This form of assistance may be a little harder to find since most charities focus more on providing food, shelter, or clothing to those in need.

Get Help Through Auto Title Loans

Speeding tickets and other traffic tickets can put a major dent in your savings and cause a financial emergency. One speeding ticket may mean that you will suddenly have trouble making ends meet. Auto title loans in Texas are an option for help. With title loans you can use your vehicle’s title as collateral in exchange for a loan to be paid off over time.

Keep in mind they are specially designed to help with financial emergencies and not long-term, lingering financial problems. If you want to start the Texas title loans process, get started by filling out the short title loans form on our website. One of our representatives from the nearest Texas auto title loan store locations will give you a call to help you continue the process.

What You Need To Apply For A Texas Auto Title Loan

With us at Texas Car Title and Payday Loan Services, Inc., the application process for auto title loans in Texas is simple and doesn’t require perfect credit. As long as you have the following, you can apply for funding with our loan company now:

• A lien-free title to your vehicle
• A valid government-issued ID
• Proof of income (to assess repayment ability)

Once approved, and agree to lender terms and repayment schedule setup over a period of months, you can receive your personal funds on the same day or the next business day, allowing you to pay traffic tickets in Texas without delay. This fast access to cash can help you avoid further penalties or legal complications from unpaid fines.

Texas Auto Title Loan FAQs

Can I still qualify with bad credit?

Absolutely! Good credit, bad credit, or no credit. For most title loan amounts, any credit is welcome. Texas Car Title and Payday Loan Services, Inc. is committed to helping you get the cash you need.

Can I keep and drive my car while I repay my loan?

Yes! In Texas you keep your car while repaying your title loan.

What is a lien-free car title?

A clear or lien-free car title simply means that you own your car outright, with no outstanding loans or judgments against it. To get a title loan you need to have a clear or lien-free car title.

How is the value of my vehicle determined?

The value of your vehicle is based on the value as stated in a nationally recognized pricing guide, and the condition of the vehicle, as determined by a physical inspection.

How long does it take to be approved?

From the time you start the online application, it could take as little as 30 minutes to apply and be approved for a car title loan. If approved, you can receive your emergency money as soon as the same day or the next business day.

Get Help Paying Tickets In Texas With Auto Title Loans

Still asking yourself, “How to pay off traffic fines fast?” We know that even one traffic or speeding ticket can create a financial emergency for many Texans. This guide can easily get you the help you need paying tickets in Texas. 

And if you need help with quick loans for traffic tickets, see how auto title loans in Texas from us at Texas Car Title and Payday Loan Services, Inc., can be an option for you. Fill out the online title loan form now to get started and get help paying speeding tickets in Texas today.

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