What Do I Need For A Title Loan In Dallas, TX?

9 Jan 2023
Updated on 3 Oct 2025
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If you’re asking, “What do I need for a title loan in Dallas, TX?” you’re not alone. Many people look to title loans when they need quick cash to cover emergency expenses. At Texas Car Title and Payday Loan Services, Inc., we make the process fast and simple, so you can get approved for up to $15,000 in Dallas title loans.

This guide explains the requirements for title loans in Dallas, where you can apply, and how to get started today.

What Are The Requirements For Title Loans In Dallas, TX?

Need fast cash loans to help handle a financial emergency? Auto title loans in Dallas, TX, can help borrowers receive up to $15,000 in one business day to pay for their urgent expenses. The best part? The car title loan requirements at Texas Car Title and Payday Loan Services, Inc. are simple and will only require you to have a few items.

The following are the three required items for a Dallas car title loan:

man thinking to himself what he needs a car title loan in Dallas, TX? with text What Do I Need For A Title Loan In Dallas, TX?

1. Valid Driver’s License or State ID

Texas law dictates that title loans in Dallas are only available to borrowers over the age of 18. Before you can get approved for Dallas auto title loans, you must be able to prove your identity and age.

At Texas Car Title and Payday Loan Services, Inc., we require your driver’s license as one of the three required items to gain title loan approval. You can use your driver’s license to prove your identity and that you meet the age requirements to be allowed to borrow money in Texas.

In the unlikely event that you don’t have a driver’s license, you can use another form of state-issued identification. This can include a state ID card, passport, social security card, or insurance card. As long as it is state-issued and has your name and age, you can use it to verify your identity.

2. Lien-Free Car Title

Arguably the most essential requirement for Dallas title loans is your lien-free car title. Otherwise known as a clear vehicle title, this one has no outstanding liens, debts, or judgments. Getting approved for title loans in Dallas requires you to have fully paid off your vehicle so we can place a lien on your lien-free car title.

If you have not paid off your car yet, you cannot use your car title as collateral for title loans in Dallas.

The car title must also be in your name. If you share the car or bought it from a third party, it may be in someone else's name. Before getting a vehicle title loan, you must go to a local DMV office and pay a fee to have the name on the car title changed to your name.

3. Your Vehicle for a Quick Inspection

The third and final item for Dallas title loan approval is your vehicle that matches the vehicle title in your name. While we are using your vehicle title as collateral and not the vehicle itself, we still need the vehicle for a quick inspection.

The vehicle inspection determines the loan amount you can qualify for if we determine you qualify for approval. Though the maximum loan amount is $15,000, your loan limit depends on your vehicle model, age, mileage, and condition. During the vehicle inspection, the loan representative will be able to determine your vehicle’s market value based on industry standards. This step only takes a minimum of 30 minutes, and you’ll know right away how much you can borrow if you are approved.

No Credit Check Required for Dallas Title Loans

After reading the list above, you may wonder where the credit score requirement is. While traditional banking institutions use your credit score to get you approved for fast cash loans, we do not. Texas Car Title and Payday Loan Services, Inc. does not do hard credit inquiries to determine your credit score.

This is because we use your car title as collateral to secure the loan, meaning we do not have to prove you have good credit to trust you will repay the car title loan. This means car title loans are bad credit loans available to those with a low credit score or no credit at all.

Where Can You Get a Car Title Loan in Dallas?

At Texas Car Title and Payday Loan Services, Inc., we allow borrowers to get approved in-store or online. When getting online title loans, one of our loan associates will come to you to verify your required items. They will go to your home or work location with title loan documents for you to sign.

However, those who wish to have more face-to-face interaction at one of our store locations can come in to speak to a loan representative. We have stores across Texas, including places like Fort Worth, Houston, and Texarkana. You can also visit one of our store locations near Dallas to get the emergency cash you need.

How Can You Apply for Title Loans in Dallas, TX?

Applying is fast and hassle-free. Here’s how it works:

  1. Submit Online Form – Start by completing our title loan inquiry form.
  2. Phone Call – A representative will confirm your details and answer questions.
  3. Bring Required Items – ID, lien-free title, and your vehicle.
  4. Quick Vehicle Inspection – Determines the loan amount you qualify for.
  5. Get Approved – If approved, sign the documents and receive your cash the same day or by the next business day.

man looks for help from a car title loan in Dallas

Why Choose Title Loans in Dallas?

Title loans can be a solution for emergencies like:

  • Medical bills or home repairs
  • Overdue rent or utility bills
  • Car repairs or unexpected expenses

With same-day approval and no credit requirements, title loans provide quick access to cash when you need it most.

FAQ: Title Loans in Dallas

1. What are the requirements for a title loan in Dallas?
You’ll need a valid driver’s license or state ID, a lien-free car title in your name, and your vehicle for inspection.

2. How much can I borrow with a Dallas title loan?
Loan amounts range up to $15,000, depending on your vehicle’s value.

3. Do I need good credit for a Dallas title loan?
No. Title loans are available even if you have bad credit or no credit.

4. How fast can I get my title loan cash?
If approved, you could receive cash the same day or by the next business day.

Apply for Title Loans in Dallas Today

It’s easy to get title loans in Dallas, TX, with Texas Car Title and Payday Loan Services, Inc. With flexible options, quick approvals, and friendly loan specialists, we help you navigate the process with ease.

When you are in need of emergency cash to handle urgent expenses, contact us to get the money you need today. Fill out our online contact form today and hear soon from a helpful loan rep who can guide you through the process.

 

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

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.

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