Title loans in Texas
Texas is one of the busiest title-loan markets in the country, which means borrowers here have real choices. When lenders know they are competing for your loan, rates come down. Our free 60-second form shops your request across lenders licensed in Texas, so you can compare instead of taking the first quote you are offered.
How title loans work in Texas
A title loan lets you borrow against your car, truck, or SUV using its title as collateral, and you keep driving your vehicle the whole time. Approval is based mostly on your vehicle's value and your income, not your credit score, so bad credit or no credit is usually fine. Most lenders offer between 25% and 50% of your vehicle's wholesale value.
Title lending in Texas is regulated at the state level. That is why we only match you with lenders licensed in Texas: their rates, fees, and terms have to follow state rules, and you deal directly with the lender you choose.
Cities we serve in Texas
Our lender network covers Texas statewide, including Houston, San Antonio, Dallas, Austin, Fort Worth and El Paso, and everywhere in between. Because the process is online, you do not need a storefront nearby: one form, and lenders licensed in your area respond directly.
Texas title loans by city
Prefer a local guide? We have dedicated pages for the Texas cities we serve most.
What you'll need
- Your vehicle title, in your name
- A government-issued photo ID
- Proof of income (paystub, bank statement, or benefits letter)
- Proof of Texas residence
See the full list on our loan requirements page. Exact requirements vary by lender.
See what your car qualifies for in Texas
Free to check, no credit impact, and lenders compete to win your loan.
Start My Free Rate Check →Texas title loan questions
Are title loans legal in Texas?
Yes. Title lending is legal in Texas and regulated at the state level. We only match you with lenders licensed to operate in Texas, so any offer you receive follows the state rules on rates, loan amounts, and terms.
How much can I borrow with a title loan in Texas?
Most lenders offer 25%–50% of your vehicle's wholesale value, typically $500 to $25,000 or more, subject to Texas lending rules and your income. Newer vehicles with lower mileage qualify for larger amounts.
How fast can I get the money in Houston?
Many Texas borrowers receive funds the same business day or the next morning once a lender verifies their documents. Having your title, ID, and proof of income ready speeds things up.