Get Emergency Money with Low Credit - Title Loans Houston

Are you considering title loans Houston for your cash emergency? If so, there’s nothing to be embarrassed about. Financial emergencies can happen to anyone. A family member can get sick, and you’re faced with very high medical bills. A natural disaster wipes out your crop, and you have to buy seeds to start over. Your house or car needs sudden repairs, and you know that the damage will get worse if you don’t get it fixed right away.

Ideally, you will have some form of insurance or savings that can help cover the cost. But if it’s not enough, you can raise emergency cash through a title loan.

Title loans Houston: A Helping Hand in Times of Crisis

Banks can be very coldhearted. If you don’t have a high credit score, or someone who can help guarantee the loan, it can be difficult to get a traditional loan at all. You can explain your situation until you’re blue in the face, but they’ll still reject you because you don’t meet their “qualifications.”

And many lending institutions have made approval even harder during the coronavirus. Since there’s an economic recession, they’re even refusing people just because they recently changed jobs, or whose credit score was affected by a few missed payments.

Sadly, there are millions of Americans who are going through harsher times—through absolutely no fault of their own!

That’s why Texas Car Title and Payday Loan Services offers an alternative to people who need emergency cash: a loan that doesn’t need a high credit score, and a process that is so fast and simple that you can have your money within the day you apply. So, it is understandable why so many people are looking toward getting title loans Houston for their cash emergencies.

It is our commitment to make it easier and faster for you to raise money when you need it the most.

Title Loan 101: What You Need to Know

A title loan is a short-term loan where you use a vehicle as collateral. It differs from traditional bank loans because:

  • You do not need a high credit score. Even if you have credit issues like bounced checks or bankruptcy or have not had a chance to establish a long credit history, you can still be eligible for a title loan.
  • You do not have to present a lot of documents. All you need to show is the vehicle registration title, government issued ID, and proof of income to qualify for title loans Houston.
  • You do not have to wait through long processing time. Many banks have a complicated application process which includes interviews and follow-up appointments. It can also take days before the money is transferred to your account. However, a title loan application can be completed in one day, and you get the cash right away.

How Much Money Can I Borrow?

Depending on the value of your vehicle, you can borrow up to $15,000. The value is determined by a vehicle inspection and uses industry guidelines.

title loan cash

Can All Vehicles Be Used for Title Loans?

Yes. You can use car, a truck, a van or SUV, a motorcycle, or even an RV to apply. Only a few conditions must be met for title loans Houston:

  • The vehicle must be registered under your name. If it is not, you need to go to the local DMV to have it transferred to you.
  • The vehicle must be fully paid.
  • The vehicle must be lien-free. That means it cannot have any outstanding loans or judgments against it. However, if a prior loan was already paid off, you can use it to take another loan.

Who Can Benefit from A Title Loan?

Anyone can get a title loan, but it is particularly helpful for people with this circumstances:

  • You do not have a high credit score
  • You need to raise the money within 1 to 2 days
  • You do not have the time for a lengthy loan application process (i.e. long working hours)

Do I Need to Surrender My Vehicle?

Don’t worry: as long as you follow the payment schedule, you can continue to use your vehicle while repaying your loan. We understand that you may need it for work or for important travel, so the only thing you need to do during the loan application process is to present the registration and the vehicle for inspection.

Where Can I Find Title Loans Houston TX Near Me?

Texas Car Title and Payday Loan Services is one of the most trusted lenders in Texas. We have branches all over the state, and also offer online title loan application through our website.

Convenient and Reliable

You can use the website to find the car title loan branch nearest you, and either call or visit directly. But if it’s more convenient for you, you can start the application process online.

  1. Go to
  2. Fill out the online form. This is a very easy form that takes just a minute to fill up. All information is secure and confidential, and you are not obligated to get a loan. We simply use this so our customer service people can contact you and personally assist you.
  3. One of our loan representatives will call you. We usually respond to queries within the day (or even with minutes) of your query. During the call, he or she will give you more information about title loans and walk you through the process and requirements. If you have any questions, feel free to ask them—we are here to help you!
  4. The loan representative will send your information to the branch that is most convenient for you to go to. When you’re ready, go there to submit the documents and get a vehicle inspection. You will be told about the loan amount you qualify for, and if you agree, you just need to complete a few forms and receive your cash. This will only take 30 minutes or less!

Getting emergency title loan money is easy with the fast and reliable service that Texas Car Title and Payday Loan Services Inc. offers. For more information on how it title loans Houston works contact us for details.

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

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.