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Title Loans in Texas

In a Nutshell: Car Title Loans in Texas

Title loans are legal in Texas, but the state does not regulate them as direct lending. Your loan is arranged through a credit access business under Subchapter G of Texas Finance Code Chapter 393, a company that obtains the loan for you, or helps you obtain it, and charges a fee for doing so. Credit access businesses are licensed by the Office of Consumer Credit Commissioner.

That structure matters because Texas sets no ceiling on the fee. The statute says a credit access business "may assess fees for its services as agreed to between the parties", charged daily, biweekly, monthly or on another periodic basis. This is not a gap someone forgot to fill: § 393.622(c) states plainly that nothing in the subchapter gives the Finance Commission or the OCCC authority to limit those fees.

So there is no maximum APR to quote you, and any site that prints one for Texas is quoting a market observation rather than a legal limit. The price of your loan is whatever your agreement says it is, which makes comparing written offers the single most useful thing you can do here.

Texas also sets no statewide limit on renewals, and each renewal brings new fees. Some cities go further than the state does. Local ordinances in Dallas, Houston, Austin and San Antonio have capped loans at a share of gross income or of vehicle value.

Key Takeaways: Title Loans in Texas

  • Use your vehicle title as collateral and keep driving your car.
  • Approval is based mainly on your vehicle and income, with less emphasis on credit history.
  • Visit your nearest Swift Title Loans branch in Texas for a free, no-obligation estimate.
  • Bring a clear vehicle title, proof of income, and a valid ID to your in-branch visit.
  • Title loans carry high APRs — use them for short-term needs and make timely payments to avoid repossession.
  • Have questions? Call us at (888) 557-7115 or stop by your local branch.

Texas Title Loan Regulations and Key Details

Texas Title Loan Rules at a Glance

Rule What Texas Allows
Legal structure Arranged by a credit access business under Tex. Fin. Code ch. 393, Subchapter G (§§ 393.601–393.628), licensed by the OCCC
Rate cap None. Fees are charged "as agreed to between the parties" (§ 393.602(b))
Why there is no cap § 393.622(c) withholds from the Finance Commission and the OCCC any authority to limit credit access business fees
Amount No state minimum or maximum
Term No state minimum or maximum
Renewals Not prohibited statewide; each renewal adds new fees
Local rules Ordinances in Dallas, Houston, Austin, San Antonio and other cities may be stricter, and some cap the loan at 3% of gross income or 70% of vehicle value
Disclosure A fee may not be charged unless it has been disclosed; you must receive the amount borrowed, the fee, the interest rate and the total cost in writing
Prepayment No penalty
Repossession Permitted on default without advance warning, but the lender may not breach the peace and must give reasonable notice before selling
Collection limits No wage garnishment, no criminal prosecution, and your military employer may not be contacted

What a Title Loan Costs in Texas

We do not publish a Texas cost table, and that is deliberate. Where a state caps the rate we can show you the legal maximum; Texas has no maximum to show. Printing a representative APR here would suggest a limit that does not exist.

What to do instead: get the written disclosure before you sign. It has to state the amount borrowed, the credit access business fee, the interest rate and the total cost. Compare that total across lenders, not the monthly payment, and check whether your city's ordinance restricts the loan further.

Consumer Protections in Texas

Credit access businesses must be licensed with the Office of Consumer Credit Commissioner, and you can search the state's licence database before borrowing.

Because Texas does not cap the price, the protections that matter here are procedural. A fee cannot be charged unless it has been disclosed, and you are entitled to written disclosure of the amount borrowed, the credit access business fee, the interest rate and the total cost, along with a statement about short-term cash needs. No device, subterfuge or pretence may be used to evade the subchapter. There is no prepayment penalty.

On default a lender may repossess without advance warning, but may not breach the peace, and must give reasonable notice before selling the vehicle. Texas does not permit wage garnishment or criminal prosecution over the debt, and a lender is prohibited from contacting a military borrower's employer.

Get a Title Loan in Texas — Stop By Your Nearest Branch

Texas residents can get started with Swift Title Loans in person. Visit your nearest branch with your vehicle, its title, proof of income, and a valid ID. A team member will inspect your vehicle, review your paperwork, and walk you through our simple 3-step branch process. If approved, you may get same-day cash, subject to lender policies. Prefer to talk first? Call us at (888) 557-7115.

Why Choose Swift Title Loans?

Visit Your Nearest Branch

Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Apply in 7 minutes. Get cash as fast as the same business day when you apply before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

Experience a title loan process that’s quick, local, and built around your needs

(888) 557-7115 Visit Our Branches

Our locations in Texas

If you've found yourself in a difficult financial position and need access to cash, you may qualify for a title loan at your nearest branch. Check the requirements and stop by to get started!

We can provide you with a quick cash fix if you live in the following cities:

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AmarilloArlingtonAustin

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C

D

Dallas

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F

Fort Worth

G

H

Houston

I

Irving

J

K

L

Lubbock

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MesquiteMcAllenMidlandMcKinney

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O

P

PasadenaPlano

Q

R

S

San Antonio

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U

V

W

X

Y

Z

How It Works in Texas

Getting the cash you need is quick and simple with our title loan process

01

Apply in Minutes

Complete a simple form from your phone or computer. A quick branch visit, no appointment needed. 7 minutes for pre-approval.

02

Submit Photos & Documents

Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.

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Get Your Free Quote

Receive a loan estimate based on your car's value and your ability to repay. No obligation.

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Sign & Drive

Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*

Example of Title Loan Funded in Texas

Here's a real example of a funded title loan from our branch:

2014 Nissan Altima

2017 Hyundai Sonata

2017 Ford Explorer

Mileage53,001244,060202,000
Vehicle Value$4,425$1,825$2,400
Loan Amount$600$1,028$2,033
Loan-to-Value14%56%85%
FundedJul 2026Jan 2026Jun 2026

Swift Title Loans vehicles funded in Texas between January 2026 and July 2026. Amounts shown are what was funded, not a quote.

Borrowing Responsibly in Texas

Before you sign, be clear on the payment, the number of payments, and the total you will have paid when the schedule ends. The figures in your own agreement are the ones that count, not the examples on any website, ours included.

Other Options Worth Comparing

A title loan is one way to cover a shortfall, and it is worth putting it next to a few alternatives before you commit your car's title. A credit union small-dollar loan, a payment plan negotiated directly with the biller, a paycheck advance from your employer, or help from a local assistance programme will often cost less. If none of those work, borrow the smallest amount that solves the problem and pay it off as quickly as your budget allows.

Keep your vehicle in the picture too. The title is the security, so a loan you cannot repay puts the car you rely on at risk, and in most cases that car is worth considerably more than the loan.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Is there a maximum interest rate on title loans in Texas?

No. A credit access business may charge fees "as agreed to between the parties", and § 393.622(c) expressly denies the Finance Commission and the OCCC any authority to set a limit. Any APR you see quoted for Texas is a market observation, not a legal ceiling.

Why is a Texas title loan arranged by a "credit access business"?

Texas does not regulate title lending as direct lending. Under Subchapter G of Finance Code Chapter 393, a credit access business obtains the loan for you or assists you in obtaining it, and charges a fee for that service. The business is the entity the OCCC licenses.

How much can I borrow in Texas?

The state sets no minimum or maximum. Your offer depends on your vehicle's value and your ability to repay, and possibly on your city, since some local ordinances cap the loan at a share of gross income or of vehicle value.

Do city rules really change what I can get?

They can. Dallas, Houston, Austin, San Antonio and other cities have adopted ordinances stricter than state law, in some cases limiting the loan to 3% of gross monthly income or 70% of the vehicle's value.

Can a Texas title loan be renewed?

Texas does not prohibit renewals statewide, and each one adds new fees. Ask what a renewal would cost before you need one.

What happens if I default?

The lender may repossess without advance warning, but may not breach the peace and must give reasonable notice before selling the vehicle. Wage garnishment and criminal prosecution are not permitted, and your employer may not be contacted if you are in the military.

Visit a Branch. Get Cash Fast.

Car title loans at a branch near you. A quick in-person visit, same-day funds available.*

Visit Our Branches (888) 557-7115
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207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449

Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief, not as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.

Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.

USA PATRIOT ACT, ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.

About branch visits and vehicle review: When you visit a Swift Title Loans branch, our team reviews your vehicle in person, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require additional steps by law for title verification. Loan availability, terms, and approval depend on state law and individual qualifications.

If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.

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