Title Loans in Texas

It depends on your vehicle's value and your ability to repay, not your credit. Texas sets no statewide minimum or maximum, so each lender decides the amount from what your car is worth, and different lenders may quote different amounts for the same vehicle.

In the Texas title loans we have funded, most borrowers take between about $600 and $2,500, with a typical loan around $1,200. Larger amounts up to $25,000 are possible on higher-value vehicles.

In cities with a title loan ordinance, the most you can borrow is the lesser of 3% of your gross yearly income or 70% of your car's value. Borrow only what you can repay quickly.

Two things matter most: your vehicle's available equity and your ability to repay the loan. Your credit score carries far less weight.

Vehicle equity means your car is either lien-free or has only a small balance remaining compared to its value. You can look up your title and lien status through the Texas Department of Motor Vehicles.

You must also show steady income or another reliable source of funds to demonstrate that you can comfortably repay the loan. Income does not have to come from a regular paycheck, as other documented sources may also qualify.

In our experience, most declined applications are due to insufficient vehicle equity or a lack of verifiable income, rather than a low credit score.

Texas title loans are arranged through a credit access business, and the state does not cap the business fee. Loans arranged this way commonly cost about 243% a year, but Swift Title Loans charges only a fraction of that. Your exact rate depends on your vehicle, loan amount, and term.

For example, at our rate a $1,000 loan over 30 days costs about $30. Always check the written disclosure for your exact total before signing.

The Texas Office of Consumer Credit Commissioner (OCCC) oversees title lending under Chapter 393 of the Texas Finance Code.

You can verify a lender or file a complaint through the OCCC.

Yes. Approval is based mainly on your vehicle's value and your ability to repay, not your credit score.

Most applicants with poor or no credit can still qualify if they own the car and can show proof of income.

No. You keep driving your car during the loan and hand over only the title as collateral.

If you fall behind, we may need to repossess the vehicle, but Texas law bars breaking the peace and requires notice before any sale.

Yes. A fully online title loan is our main service, so you apply from your phone or laptop with no store visit and no in-person inspection.^{^}

Everything is handled remotely, which keeps it fast. Qualified borrowers can often be funded the same day once we verify the title.^*

It can, but renewing raises your cost because each renewal adds a new fee, and Texas does not limit renewals statewide.

In ordinance cities like Houston, Dallas, Austin, and San Antonio, the loan must be paid off within four installments and cannot be rolled over again and again.

If you stop paying, we can repossess and sell your car to cover the balance, so reach out to us before it comes to that.

Talk to us about a payment plan as early as you can. Texas also bars wage garnishment and criminal charges over an unpaid title loan, and a nonprofit credit counselor can help you build a plan.