INSTANT CASH FOR YOUR VEHICLE’S EQUITY IN TEXAS

Apply for an auto title loan online or call Premier Title Loans at 800-250-6279!

ONLINE TITLE LOANS WITH
NO STORE VISIT IN TEXAS!

Premier Title Loans offers car title loans in Texas for anyone with equity in their vehicle. These loans are great for customers with poor credit as your car's collateral is what gets you qualified. Loam amounts in TX go up $30,000 and you can keep driving your car for the duration of the loan!

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    Auto Title Loans In Texas From Premier Title Loans

    With a car title loan from Premier Title Loans, you can borrow cash quickly without worrying about getting denied because of your bad credit score! Secured loans use the equity from your car as collateral, and you can repay the loan in 12 to 48 months. Most cars, SUVs, and motorcycles manufactured since 2015 qualify for a title loan in Texas, and you can access 70% of your vehicle’s resale value.

    Title loans give borrowers more lending options than installment loan companies and bank lenders, and since you’re putting up collateral, you may even get lower interest and better repayment terms! Apply online or in person at locations throughout Texas, or call 800-250-6279 and speak to one of our customer service reps to complete the application over the phone! The approval process is easier than ever in 2025, and funds will be available by the next business day for title loans underwritten before 2 pm CST!

     

    Requirements For Car Title Loans In TX

    Borrowers applying for online car title loans in Texas must have a paid-off vehicle in their name. There can’t be any lienholders, cosigners, or other claimants on the pink slip. Your vehicle needs to be in decent shape with a resale value of at least $3,000 to qualify, and your lender will want to see the VIN and current odometer reading. Some cars and trucks can qualify without a vehicle inspection, but that’s rare, and most lenders want to inspect the vehicle in person to ensure.

    Other requirements include proof of income verification through bank statements, pay stubs, or government benefit forms. Your lender will require proof of vehicle insurance so they’re covered if the car is ever lost or stolen.

    Premier Title Loans makes qualifying for a car title loan in Texas easy! While an excellent credit score is often not a significant underwriting factor, good credit is sometimes required if you’re looking to borrow over $10,000. Typically, your credit score and recent payment history will be secondary to the condition and value of the vehicle you plan to use as collateral for a loan.

     

    State of Texas Welcome Sign

     

    Apply For With Premier Title Online Or With A Local Lender In Texas

    You can complete the Premier Title Loans online application and submit your vehicle information to get an approval decision quickly! We can process all the paperwork online and set up a time that same day for you to get your vehicle inspected.

    Another option is to apply with a neighborhood title loan lender in Texas. Some local companies offer loans during regular business hours, while others can complete underwriting with a video inspection of your vehicle entirely online. Consider that Austin and Houston have dozens of companies offering in-person title loans. The Dallas metro area has over 100 retail office locations where you can complete your application, underwrite your loan, and get your cash that same day!

     

    Funding Amounts With Car Title Loans In TX

    Funding amounts in Texas depend on the resale value of your vehicle and how much you can afford to pay back each month. Some regulations limit your repayment terms, but there are few restrictions regarding how much you can borrow. Currently, title pawn companies in Texas will lend up to 70% of the car’s pink slip value. These amounts may be higher in larger metro areas like Harris County and Dallas County, and you can compare different quotes to get a higher loan amount.

    You can borrow an average of $3,000 with a title loan in Texas, but again, remember, your final loan amount depends almost entirely on the value of your vehicle. Vehicles valued at $5,000 or more should qualify as collateral, and some customers can borrow up to $20,000 with low valuable, low mileage cars and trucks. The repayment period usually starts at six months, and interest rates will be high ( 30% or more monthly), but you can get out of future payments by making early or extra payments with no penalty.

    Title loan companies will not report your missed payments to credit reporting agencies, which means you won’t incur any penalties like overdraft fees that come with bouncing a check, for example. One concern with late payments involves having your vehicle repossessed by the lender. Texas lending laws regulate vehicle repossessions by title loan companies, and you also have some protections per municipal regulations. But you don’t want to get to this point, and it’s best to work with your secured title lending rep to set up an alternative payment plan if there’s a chance you may fall behind on your Texas auto title loan.

     

    Capitol Building in Texas with Horseback Protector Monument.

     

    What makes a title loan the best lending option in Texas?

    Let’s face it: you have plenty of options to get funds for an unexpected cash emergency. Some customers can turn to conventional loans from a bank or personal loans, but what about if you have poor credit? Hundreds of payday loan companies in Texas offer fast approval with limited credit requirements, but these loans have high interest rates and loan amounts of $500 or less. With a Texas title loan, though, you can not only borrow a large amount of money, but the requirements are minimal if you can verify income and prove ownership of a car, truck, or SUV. Best of all, title loans can be underwritten in just a few hours, and the approval process is quick and easy for anyone with a lien-free vehicle.

    Another benefit of a title loan is that you can always refinance your loan with a lower interest rate. Do you have a title loan from a lender in Galveston or Killen with an interest rate over 50%? Take a few minutes and apply for a title loan refinance in Texas with Premier Title Loans. We may be able to reduce your interest rate and get you a quicker payment term than what you ever thought was possible. Call us at 800-250-6279 to get a refinancing estimate in minutes.

     

    I Have Bad Credit – Can I Still Get A Texas Title Loan?

    Most car title loan companies in Texas will approve your title pawn application even if you have bad credit, and they probably won’t even run a standard credit check! This is because they value the equity from your vehicle more than your past credit history or failed loan payments. Vehicle title loans are designed for people who can’t qualify for other unsecured loans, and Premier Title Loans can get you pre-approved today!

    Call us at 800-250-6279 or apply online with Premier Title Loans to borrow $3,000 or more with just your vehicle’s equity!

     

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