Unlock Your Vehicle’s Potential in Texas

Use your car to secure the funds you need at LoanCenter. Our unique approach allows us to treat your vehicle as a form of collateral to back your loan. This doesn’t mean you have to part with your vehicle – as long as you make your monthly loan repayments, you can continue using your car. Making prompt payments can even assist in elevating your credit score.

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Understanding Car Title Loans

Title loans don’t solely rely on credit scores for eligibility, making them a suitable financial solution for those with less ideal credit ratings. Your ownership of a vehicle, ability to repay, and proof of income are the primary qualifications for a car title loan.

The value of your vehicle is used to determine the amount you can borrow.

Your car acts as collateral to guarantee the loan.

It’s a great way to unlock the value of your car whilst potentially improving your credit score!

What Is a Car Title Loan?

Understanding the Nature of Car Title Loans

Most lending institutions scrutinize your credit rating, financial track record, existing debts, and employment history to evaluate your credibility as a borrower. Once their evaluation process is complete, they lend you the money. However, car title loans operate differently. These loans allow you to utilize the approved loan amount at your discretion. The amount you can borrow primarily depends on your vehicle’s value, rather than an in-depth review of your financial history.

Benefits of a LoanCenter Title Loan

Advantages of a LoanCenter Title Loan

At LoanCenter, we prioritize a wholesome view of our borrowers and aim to extend loans to those with varying credit scores. With your vehicle as a collateral, title loans are easier to qualify for! We ensure a swift and smooth application process, allowing for quick disbursement of funds.

Our terms are competitive with market rates for car title loans, often even undercutting our rivals. Whether you hit a rough patch or need some spare cash, LoanCenter is your reliable provider of the financial assistance you require. Contact us and discover how we can support you. We aim to surpass our competitors’ rates and assist you in getting the money you need. Let us help you put your car to work for you.

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

Tips to Get Your Money Faster For quick approval

Ensure that the loan documents about your vehicle are accurate. Submit all necessary documentation with your application Typically, you’ll need to provide proof of identity, vehicle title, and proof of income. This allows us to determine the maximum loan amount eligible for you. Once you send us this information, our friendly loan officers will reach out to you. You may also call us toll-free at (866) 553-3840 for this information. If you are happy with the loan amount you qualify for and wish to proceed with the car title loan application, our loan officer will guide you through the required paperwork. It’s advisable to speak with a LoanCenter representative to understand the documents required for application. Begin collecting these documents now so you are prepared to submit your application. This will allow our team to promptly review and make a credit decision on your car title loan application.

Welcome to Texas, the Lone Star State

Texas is the second largest state in the United States by both area and population. Known for its vibrant culture, rich history, and diverse landscapes, Texas is home to a bustling economy and numerous attractions.

  • Texas is characterized by a diversified economy with key sectors including agriculture, petrochemicals, and technology.
  • The state is renowned for its delightful culinary scene, particularly its famous barbecues and Tex-Mex food.
  • Texas boasts a strong community spirit, demonstrated through its famous slogan “Don’t Mess with Texas”.
  • The state offers myriad outdoor activities ranging from horseback riding and fishing to exploring its numerous national parks and wildlife refuges.
  • Texas holds a significant place in American history with landmarks such as The Alamo and San Jacinto Monument.

By connecting with our team at LoanCenter, you can tap into the value of your vehicle to secure a financial solution tailored to your needs. Join numerous Texans who have benefited from our unique lending approach. We look forward to assisting you in Texas!

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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Texas Loan FAQs

What is a Texas Title Loan?

A Texas title loan is a loan that uses your vehicle’s title as collateral. Borrowers in Texas can take advantage of these loans even if they have bad credit.

How does a Texas Title Loan work?

To get a Texas title loan, you give the lender your vehicle title in return for a cash loan. After the loan is repaid, the title is returned to you.

How much money can I get with a Texas Title Loan?

The loan amount varies based on the value of the vehicle and the lender’s policies. In Texas, the loan amount can be up to $10,000 or more.

What is the process to get a Texas Title Loan?

The process generally includes an application, title verification, vehicle appraisal, and approval. The loan is disbursed soon after approval, usually on the same day.

Can I get a Texas Title Loan with bad credit?

Yes, Texas Title Loans are typically based on the value of the vehicle, not your credit score.

What will happen if I can’t pay back my Texas Title Loan?

If you can’t repay the loan, the lender has the right to repossess and sell your vehicle to recover the loan amount.

How long does it take to get a Texas Title Loan?

In most cases, you can get a Texas title loan the same day you apply.

Do I need to have a job to get a Texas Title Loan?

No, you don’t need to be employed to get a Texas Title Loan. However, you need to show that you have a way to repay the loan.

Can I keep my car while I have a Texas Title Loan?

Yes, you can usually keep your car while you’re repaying a Texas title loan.

What are the interest rates on a Texas title loan?

Interest rates vary by lender, but they are typically high due to the short-term nature of the loan.

Can I pay off my Texas Title Loan early?

Yes, most lenders allow early payoff without any penalties.

Are title loans legal in Texas?

Yes, title loans are legal in Texas, with regulations in place to protect consumers.

Can I get a Texas Title Loan online?

Yes, many lenders offer online applications for Texas Title Loans.

What are the requirements to get a Texas Title Loan?

You’ll need a clear vehicle title, government-issued ID, proof of income, and proof of residence.

Can I get a Texas Title Loan if I have a lien on my car?

No, typically you can’t get a Texas Title Loan if there’s a lien on your car.

How many Texas Title Loans can I have at one time?

Generally, you can only have one Texas Title Loan at a time per vehicle.

Are Texas Title Loans safe?

As with many loans, there are risks. The biggest risk is potential loss of your vehicle if you can’t repay the loan.

Can I get a Texas Title Loan if I don’t have full insurance on my car?

Most lenders will require full insurance coverage on your vehicle for a Texas Title Loan.

Where can I apply for a Texas Title Loan?

You can apply at a physical store or online with a title loan lender.

Can I get a Texas Title Loan if I am not the only owner of the car?

This can depend on the lender, but typically all owners listed on the title would need to agree to the loan.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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