Car title loans in Texas
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Texas title loan rules at a glance
| Governing law | A 'motor vehicle title loan' is a loan where an unencumbered motor vehicle is given as security (not including a vehicle purchase loan). CABs that arrange them must be licensed under Chapter 393, Subchapter G. (Tex. Fin. Code §§ 393.601(5), 393.602(a)(2), 393.603) |
|---|---|
| Rate / fee cap | No state cap on the CAB's fee; fees are as agreed and must be disclosed. (Tex. Fin. Code § 393.602(b)) |
| Renewals | Refinancing is allowed. Before arranging a title loan the CAB must disclose the fees that build up if the loan is renewed or refinanced for two weeks, one month, two months and three months, and post a notice that refinancing costs extra. (Tex. Fin. Code §§ 393.222, 393.223(a)(2)) |
| Repossession notice / right to cure | The CAB must warn you in writing that on default you may have to surrender the vehicle. Under the general Texas secured-transactions law a lender may repossess after default without a court order only if it does so without a breach of the peace, and must send a reasonable written notice before selling the vehicle. (Tex. Fin. Code § 393.223(b); Tex. Bus. & Com. Code §§ 9.609, 9.611) |
| Surplus after sale | After the repossessed vehicle is sold, the secured party must account to you and pay you any surplus (general Texas UCC rule). (Tex. Bus. & Com. Code § 9.615(d)(1)) |
Title loans online in Texas
You can start a Texas title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Credit services / credit access businesses
Yes. Payday and auto title loans are arranged by credit access businesses, which need an OCCC license for each location and must file quarterly and annual reports. (Tex. Fin. Code §§ 393.601-393.603, 393.627)
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arkansas | Not available | — |
| Louisiana | Legal | — |
| New Mexico | Not available | — |
| Oklahoma | Limited | — |
Title Loans by city in Texas
Counties in Texas
Show all 254 counties
Also see: Payday Loans in Texas · Personal Loans in Texas · All Texas loan options
Frequently asked questions
Are title loans legal in Texas?
Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a third-party lender, and the CAB fee is not capped by state law.
What interest can title lenders charge in Texas?
No state cap on the CAB's fee; fees are as agreed and must be disclosed.
When can a title lender repossess my car in Texas?
The CAB must warn you in writing that on default you may have to surrender the vehicle. Under the general Texas secured-transactions law a lender may repossess after default without a court order only if it does so without a breach of the peace, and must send a reasonable written notice before selling the vehicle.
Do I get money back if my car is sold in Texas?
After the repossessed vehicle is sold, the secured party must account to you and pay you any surplus (general Texas UCC rule).
How much can I get for a title loan in Texas?
The amount depends mainly on your vehicle's value, along with your income and Texas rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
What do I need for a title loan in Texas?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Texas, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I refinance my title loan in Texas?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Texas rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Can I get a title loan on a financed car in Texas?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Texas will tell you what they can offer.