Emergencies can happen when you least expect them a medical bill, car repair, or urgent home expense can throw off your budget in an instant. When that happens, you need a fast and dependable financial option.
At Texas Title and Payday Loan Services, Inc., our online title loans let you use your car’s lien-free title to get up to $15,000, depending on your vehicle’s value. The best part? You keep driving your car while you repay the loan.
Here’s how title loans can help during emergencies and how to apply online today.
What Can You Use an Online Title Loan For?
A Texas title loan can be a lifeline when you’re dealing with urgent expenses that can’t wait. Unlike traditional loans that take days to process, title loans are designed to help you get quick cash for emergencies like:
- Medical Bills: Cover unexpected doctor visits or hospital costs.
- Vet Fees: Take care of your pet’s urgent medical needs.
- Emergency Home Repairs: Fix that leaky roof or broken HVAC system before it gets worse.
- Late Utility Bills: Avoid service interruptions by catching up on overdue payments.
It’s important to reserve these loans for time-sensitive needs. For non-urgent costs, consider other financing options and budget carefully for repayment.
If you’re curious about the lending process and want to understand more about how these loans work, check out our detailed guide on how title loans work in Texas.
How to Apply for a Texas Title Loan Online
Now that you know the emergencies a title loan can help with, here’s how to get one from lenders like us. The car title loan process is simple and quick. In about 30 minutes of meeting our representative, you could find out if you are approved and how much you can borrow. Here’s a complete breakdown of our process:
1. Fill Out The Inquiry Form
Customers can click on our online application form to get started. Provide basic details about you and your vehicle, such as its make, model, and condition. Once submitted, one of our agents will contact you to answer questions and explain the title loan process.
Essentially, you’ll be using your car title as collateral for the title loan online, but you’ll retain full use of the car – provided you meet your repayment schedule, of course. The agent will also set up a meeting for you to meet a representative in person. We can come to a place of your choosing, or you can visit one of our store locations in Texas if you would prefer. It’s up to you, to determine which of the emergency loan options suits you the best. This meeting is for a quick vehicle inspection.
2. Meet An Agent For A Quick Inspection
Next, you’ll meet with one of our loan agents for a short inspection of your vehicle. This helps us determine your vehicle’s resale value and loan amount.
Bring these items with you:
- Your driver’s license or state-issued photo ID
- Your vehicle’s lien-free title (must be in your name)
Once everything checks out, we’ll let you know if you qualify and how much you can borrow, sometimes within minutes.
3. Sign And Receive Urgent Expenses Title Loans Cash
If you are approved, we will go over the interest rates, repayment schedule, and loan terms with you. If you’re happy to proceed, you will be given some paperwork to sign, and when this is complete, you’ll be able to leave and continue with your day as normal. We’ll get busy on our end and will send the money to you by the end of the next business day at the latest – and sometimes even sooner! The title loan process is that quick and easy; there’s not much else to it.
Why Choose a Texas Online Title Loan?
Fast title loans online offer numerous loan benefits to borrowers, including:
- Convenience: Start the process from home through our online form.
- Speed: Get cash in as little as 30 minutes after meeting with an agent.
- Keep Your Car: Retain full use of your vehicle while repaying the loan.
- No Credit Check: Apply regardless of your credit history.
FAQs About Online Title Loans in Texas
Can I get an online title loan with bad credit?
Absolutely. Good credit, bad credit, or no credit. For most amounts on our online title loans, any credit is welcome.
How long does it take to get an online title loan?
From the time you meet with the representative, it could take as little as 30 minutes to be approved for a Texas online title loan.
What happens if I can’t repay my title loan on time?
The loan representatives at Texas Car Title & Payday Loan Services, Inc. are trained to work with you to establish payment arrangements under state regulations should an emergency arise that prevents you from making your full payment.
Find Out If You Qualify for an Online Title Loan Today!
Texas Title and Payday Loan Services, Inc. assists people throughout the state of Texas when they hit financial emergencies, providing emergency loans to people in many different situations. If you have a vehicle that is in good condition with a lien-free title in your name and you need money urgently, an online title loan could be an option – and you can find out more by getting in touch. Not everybody benefits from taking out a title loan, but for some, they can be useful to provide you with the money you need.
Regardless of the emergency, or urgent expenses title loans can provide the fast cash you need. Don't waste time or stress unnecessarily. Find out more and start the process by filling out our online application on our homepage or contacting us 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.
