Frequently Asked Questions

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Title Loan FAQs

A title loan is a loan using a vehicle title as collateral for that loan. Our sales representative can assist you with detailed information. Title loans are designed as a short-term source for emergency cash and are not meant to be used to address long-term financial problems.
Please look at your loan documents for all terms and fees. Your sales representative will go through all terms and fees with you before you sign the loan documents.
All you need is your vehicle, the title, and photo ID. Texas Car Title and Payday Loan Services, Inc. makes the title loan process hassle-free, unlike our competitors. We are committed to providing all our customers with unsurpassed customer service. The process is simple:
  • Fill out the simple application form on line or over the phone and get approved. This process can take 30 minutes or less
  • Our representative will arrange to visit you at a location of your choice for a quick vehicle inspection
  • Funds are deposited into your account the next bank business day**
No! You do not need a checking account to qualify for a title loan at Texas Car Title and Payday Loan Services, Inc.
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.
You do not need a driver's license, but you do need a valid photo ID.
At Texas Car Title and Payday Loan Services, Inc. we are committed to keeping all the information you provide confidential. Please see the privacy policy on our website for details.
In Texas, you must be at least 18 years of age to qualify for a title loan.
Yes! In Texas you keep your car while repaying your title loan.
Texas Car Title and Payday Loan Services, Inc. DOES NOT report to credit agencies if you default.
Texas Car Title and Payday Loan Services, Inc. makes it easy for you to get a title loan. No store visit is required! We Come to you! However, if you prefer to visit one of our locations click the locations tab on the menu to find the nearest location.
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.
You can get started by submitting the online application to get a quick loan decision. You will then be contacted by a Texas Car Title and Payday Loan Services, Inc. representative who will explain the next steps to finalize the loan process.
Your title loan amount depends on the value of your vehicle. The maximum you can obtain is $15,000*.
To get a title loan you need to have the vehicle title in your name. You will need to go to the DMV and have the title transferred to your name prior to applying for a loan.
Title loan terms and frequency may vary. Please check with a store representative at your local Texas Car Title and Payday Loan Services, Inc. location for all the details.
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.
From time you start the online application, it could take as little as 30 minutes to be approved for a car title loan.

Loan Type Benefits

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Online Title Loans

  • Loans up to $15,000*
  • No store visit required
  • Quick approval
  • Keep your car
  • Funds deposited into your account**
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Online Installment Loans

  • Loans up to $1,500*
  • No store visit required
  • Flexible repayment periods
  • Safe and secure neighborhood locations
  • Funds deposited into your account**
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Payday Loans

  • Loans up to $1,200*
  • Quick in-store approvals
  • Pay back on your next payday
  • Neighborhood locations
  • Same day cash

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