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Get cash and keep your car

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Title Loans in Texas

In a Nutshell: What Are Car Title Loans in Texas?

If you're a Texas resident in need of quick cash, car title loans offer a fast and reliable financial solution. By using your vehicle as collateral, you can secure a loan while still retaining your car for daily use.

You could potentially borrow up to $50,000 with an APR of 150%, based on your vehicle's equity. Repayment terms generally vary but are typically short-term, so it’s crucial to assess your ability to repay. Keep in mind that fees and costs may apply, so always review the loan agreement thoroughly.

Swift Title Loans is committed to serving your community and helping local borrowers get the fast cash they need. Check your eligibility for a quick and easy title loan today and experience the benefits of instant cash loans in your area!

Key Takeaways: Title Loans in Texas

  • Title loans available: Residents of Texas can still access title loan services despite certain state restrictions.
  • Leverage Your Vehicle: Use your car title as collateral to get the cash you need without giving up your vehicle.
  • Rapid Funding: Receive emergency funds, often within hours of approval, for urgent financial needs.
  • Credit-Friendly Options: Approval is primarily based on your vehicle's value and income, less on credit history.
  • Loan Amounts Up to $50,000: Borrow between $2,500 and $50,000, depending on your vehicle's equity.
  • Transparency in Risks: High-interest rates make title loans best suited for short-term needs; late payments may lead to repossession.

Title Loans in Texas: Regulations & Key Details

Loan Amount Range Fees & APR % Repayment Terms Unique State Law Conditions
$1,500 - $10,000 300% APR maximum 30 days (can be renewed) Must comply with Texas Finance Code, Chapter 347

In Texas, title loans are regulated under the Texas Finance Code, specifically Chapter 347. Borrowers can expect loan amounts ranging from $1,500 to $10,000, with an APR that can reach up to 300%. Repayment terms generally are set for 30 days, but loans can be renewed if necessary.

It's crucial to select a licensed lender adhering to these regulations to ensure consumer protection. For those in urgent need of funds, Swift Title Loans offers a fast, no-obligation estimate for potential borrowers.

Major cities like Houston, Dallas, and Austin have a variety of licensed lenders ready to assist you with your financing needs. Apply online today to explore your options!

Online Title Loans in Texas

You can easily apply online with Swift Title Loans. Start by sharing your car details and contact information, then upload photos of your vehicle. Your loan will be reviewed remotely by a lender, and approval is subject to their policies. If approved, you may receive fast cash the same day—without visiting a store. This is an ideal solution for local borrowers seeking assistance from home.

Why Choose Swift Title Loans?

Local Service

We proudly serve our community with personalized support.

Fast & Easy

Apply today and get cash in hand—often the same day.

Online Convenience

Start your application online and finish in minutes.

No Pre-Payment Penalties

Pay off your loan early without any extra fees.

No Hassle, No Credit Check

We focus on your car’s value, not your credit score.

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

Our locations in Texas

If you've found yourself in a difficult financial position and need access to cash, you may qualify for an instant online title loan. Check the requirements and get started!

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

How It Works in Texas

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

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Apply in Minutes

Apply online or give us a call. No mountains of paperwork!

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Use Your Car Title

Your vehicle stays with you; we just hold the title as collateral.

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Get a Quick Evaluation

We’ll estimate your loan based on your car’s value and your ability to repay.

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Sign & Drive

Once approved, sign your agreement and leave with cash the same day.

Example of Title Loan Funded in Texas

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

2022 Ford Maverick

2023 Mazda MX-5 Miata

Loan Term24 month36 month
Estimated Vehicle Value$25000$30000
Loan Amount$4556$2584
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$199.88$77.44
Monthly Interest0.420.42
APR5.00%5.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Responsible Recommendation for Texas Residents

Before applying for a title loan in Texas, we encourage you to explore safer financial alternatives. Local banks and credit unions often provide lower interest rates, flexible repayment terms, and a community-focused approach that can better support your financial needs.

Here are a few trusted financial institutions in Texas:

✅ Tip: Always compare interest rates, repayment options, and fees from different lenders. A more affordable and respectful alternative could be right in your neighborhood!

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What are the maximum loan amounts available for title loans in Texas?

In Texas, the maximum amount you can borrow with a title loan is typically $50,000, depending on your vehicle's value and the lender's policies. Always check with your chosen lender for specific limits and eligibility criteria.

What is the typical APR for title loans in Texas?

The Annual Percentage Rate (APR) for title loans in Texas can range up to 150%. This varies by lender and the borrower's financial profile. It's essential to review the APR and the total cost of the loan before proceeding.

How can I apply for a title loan in Texas?

You can easily apply for a title loan online with Swift Title Loans. Our application process is fast and straightforward, allowing you to receive a no-obligation estimate quickly. We welcome Texas residents, including those from cities like Houston, Dallas, and San Antonio.

What documents do I need to provide for a title loan in Texas?

You will typically need to provide the following documents:
  1. Your vehicle title
  2. A valid government-issued ID
  3. Proof of income
  4. Proof of residence
  5. Vehicle registration
Make sure these documents are ready when you apply to expedite the process.

Are there risks associated with taking out a title loan in Texas?

Yes, title loans can carry high-interest rates and the risk of vehicle repossession if you cannot repay the loan on time. It's crucial to carefully assess your financial situation and explore all repayment options.

Can I get a title loan in Texas with bad credit?

Yes, title loans are often available to individuals with bad credit. Since the loan is secured by your vehicle, lenders may be more lenient on credit checks. Apply online with Swift Title Loans for a quick estimate tailored to your situation.

What should I do if I live in a state where title loans are prohibited?

If title loans are prohibited in your state, you may still access them through federally regulated lenders, such as FDIC-insured banks or accredited online lending programs. Always ensure that the lender complies with federal regulations to protect your interests.

How long does it take to get approved for a title loan in Texas?

The approval process for a title loan in Texas can often

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Get pre-approved for your title loan in under 5 minutes. Quick start, because your time is precious.

How much can I borrow?

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