Apply Online for Title Loans in Texas – Use Your Vehicle, Keep Driving

Texas Title Loan Amounts, Rates, and Terms

Vehicle Types Accepted for Texas Title Loans 

Texas title loan lenders accept a wide variety of vehicles as collateral, provided you own them outright or have substantial equity:

Passenger Vehicles

• Cars and Sedans – All makes and models including compact, mid-size, and full-size vehicles. Newer vehicles with lower mileage typically qualify for higher loan amounts. 

• SUVs and Crossovers – Sport utility vehicles often qualify for larger loan amounts due to higher market values. Popular models like Ford Explorer, Chevrolet Tahoe, and Toyota 4Runner are readily accepted. 

• Trucks and Pickups – Full-size and mid-size trucks are highly desirable collateral in Texas. Models like Ford F-150, Chevrolet Silverado, Ram 1500, and Toyota Tundra often qualify for maximum loan amounts. 

• Vans and Minivans – Cargo vans, passenger vans, and minivans are accepted. Commercial vans may qualify for higher amounts if properly maintained. 

Motorcycles and Powersports

• Motorcycles – Cruisers, sport bikes, touring bikes, and adventure motorcycles. Harley-Davidson, Honda, Yamaha, Kawasaki, and other major brands accepted. Loan amounts typically $500-$5,000 depending on value. 

• ATVs and UTVs – All-terrain vehicles and utility task vehicles with clear titles are accepted by some specialized lenders. 

Recreational Vehicles

• RVs and Motorhomes – Class A, B, and C motorhomes can secure substantial title loans, often $5,000-$25,000+ depending on value and condition. 

• Travel Trailers – Fifth wheels, travel trailers, and camper trailers may qualify with lenders specializing in recreational vehicle financing. 

• Boats and Watercraft – Some lenders accept boats, jet skis, and other watercraft with clear titles as collateral. 

Commercial Vehicles

• Work Trucks and Vans – Commercial vehicles used for business purposes are accepted if you hold the title personally (not under business name). 

• Heavy Duty Trucks – Dually trucks, diesel trucks, and heavy-duty work vehicles often qualify for larger loan amounts. 

Vehicle Inspection Process for Texas Title Loans 

All title loan lenders in Texas require a physical vehicle inspection to assess condition and determine accurate market value. Here’s what to expect:

In-Person Inspection

Most lenders require you to bring your vehicle to their location or arrange for a mobile inspector to meet you at a convenient location in Texas. The inspection typically takes 15-30 minutes.

What Inspectors Evaluate

Exterior Condition:

• Body damage, dents, scratches, rust, or paint issues 

• Condition of tires and wheels 

• Glass condition (windshield, windows, mirrors) 

• Lights, signals, and exterior accessories 

Interior Condition:

• Upholstery condition and cleanliness 

• Dashboard and console condition 

• Air conditioning and heating functionality 

• Electronics, radio, and entertainment systems 

• Odors (smoke, mold, pets) that may affect value 

Mechanical Condition:

• Engine performance and sounds 

• Transmission operation (smooth shifting) 

• Brake functionality 

• Suspension and steering 

• Exhaust system 

• Fluid levels and evidence of leaks 

Mileage Verification:

• Odometer reading compared to vehicle age 

• Service records if available 

• Evidence of excessive wear for mileage 

Documentation Review:

• Vehicle title authenticity 

• VIN verification matching title and vehicle 

• Liens or encumbrances on title 

• Registration status 

Determining Vehicle Value

Lenders use industry-standard valuation tools like Kelley Blue Book (KBB), NADA Guides, or Edmunds to determine your vehicle’s market value, then adjust based on actual condition observed during inspection. Most lenders offer 25%-50% of the assessed value as your loan amount.

Mobile Inspection Services

Some Texas title loan lenders offer mobile inspection services where an inspector meets you at your home, workplace, or other convenient location. This service may incur a small additional fee but provides maximum convenience.

Simple Requirements for Texas Title Loans 

Qualifying for a title loan in Texas is straightforward if you own a vehicle with clear equity. Most lenders require: 

Your Rights During Repossession 

• Right to Cure: Texas law provides the right to redeem your vehicle before sale by paying the full loan balance plus repossession costs and storage fees. 

• Personal Property: You have the right to retrieve personal belongings from a repossessed vehicle. Lenders must provide reasonable access to collect your items. 

• Notice of Sale: Lenders must provide written notice of the intended sale of your repossessed vehicle, typically at least 10 days before the sale date. 

• Fair Sale Price: Repossessed vehicles must be sold in a “commercially reasonable manner.” If sold for less than fair market value, you may have legal recourse. 

• Deficiency Balance: If your vehicle sells for less than your loan balance plus repossession costs, you remain responsible for the deficiency. However, if sold for more than you owe, you’re entitled to the surplus.

Avoiding Repossession

Communicate with your lender immediately if you anticipate payment difficulty. Many lenders offer:

• Payment extensions or deferrals 

• Modified payment plans 

• Partial payment arrangements 

• Loan refinancing options 

Never ignore default notices. Proactive communication often prevents repossession and protects your credit rating.

Important Borrower Information 

Vehicle Risk: Title loans use your vehicle as collateral. Failing to repay the loan according to terms can result in vehicle repossession, leaving you without transportation. Only borrow if you’re confident in your ability to repay.

High-Cost Lending: Title loans typically carry higher APRs than traditional loans, often 100%-300%. While they provide quick access to substantial cash, they’re expensive. Calculate total repayment costs before accepting any title loan offer.

Texas Repossession Laws: Texas is a “self-help” state where lenders can repossess without court orders after you default. However, they must provide default notices and cannot breach the peace during repossession. Know your rights under Texas law.

Insurance Requirements: Maintaining comprehensive and collision insurance is mandatory throughout your title loan term. Letting insurance lapse violates your loan agreement and can trigger repossession rights.

Refinancing and Rollovers: While Texas allows title loan extensions and rollovers, each extension adds fees and interest, increasing your total cost significantly. Avoid repeated extensions when possible.

Alternatives to Consider: Before risking your vehicle with a title loan, explore alternatives like personal loans, borrowing from family, negotiating payment plans with creditors, or selling items you don’t need. Title loans should be a last resort when you have valuable vehicle equity and no better options.

Default Consequences: Defaulting on a title loan results in vehicle repossession, storage fees, possible deficiency balance, collections activity, and severely damaged credit. If repossession seems likely, consider voluntarily surrendering the vehicle to reduce additional fees.

Predatory Lending Awareness: Some title loan lenders engage in predatory practices with excessive fees and unrealistic repayment terms. Only work with licensed, reputable lenders who clearly disclose all terms and costs upfront.

Texas Consumer Rights: Texas law requires title lenders to operate through licensed Credit Access Businesses and provide full disclosure of loan terms. You have the right to understand exactly what you’re agreeing to before signing.

Title Return: Once you fully repay your title loan, the lender must release their lien and return your clear title within the timeframe specified in your loan agreement, typically 10-30 days.