Car Title Loans in Texas

How Title Loans Work in Texas

Texas is one of the largest title loan markets in the country and operates under a Credit Services Organization (CSO) / Credit Access Business (CAB) model. Under this structure, a licensed CAB arranges a title loan between you and a third-party lender. Texas does not cap interest rates on title loans through the CAB model, which means fees can be significant.

Loan amounts are primarily limited by your vehicle's current market value. Title loans in Texas can be structured as single-payment or installment loans, depending on the lender. Terms typically range from 30 days to several months. Carefully review the full fee and APR disclosure before signing any agreement.

Title Loan Requirements in Texas

• Texas resident, at least 18 years old
• Vehicle title in your name (lien-free or with significant equity)
• Valid government-issued photo ID
• Proof of Texas residence (utility bill, bank statement, etc.)
• Working phone number and email address
• Vehicle available for inspection or photos (depending on lender)

Texas Title Loan Regulatory Resources

For questions about title loan regulations in Texas, contact the Texas Office of Consumer Credit Commissioner (OCCC) at (800) 538-1579 or visit occc.texas.gov.

Learn more: How It Works | Title Loan FAQ