You may be surprised to find out how easy it is to get a title loan. In fact, we only require five things from you when you apply for your loan. Most applicants with these five items will be approved for a loan.
Bring your vehicle title with you, we will need a Texas title for your car.
We Do Not Accept Out Of State Titles.
In addition, the title must be in your name. It cannot be in a business name. A clear Texas title means exactly that you clearly have ownership of the car. It does not need to be a car. It can be a truck, recreational vehicle or motorcycle.
If you do not have the title because you are still making payments, it may still be possible to get a title loan.
If your car is worth more than you owe, we simply pay off the balance with your lender. We can have the title transferred from your lender to us.
Your loan will be based upon the balance owed plus the additional equity in the vehicle.
We Need to Physically Inspect Your Vehicle
Simply drive your car, truck or motorcycle to our office, so we can look it over and get an idea of its condition. This is done to get an idea of the value of the vehicle and also gives us a chance to verify the vehicle inspection number.
Any Extra Keys
If you have one or more extra keys to your car, we will need to take possession of them at the same time we do your title.
Proof of Residence
You need to be able to demonstrate that you are a resident of the state of Texas. A Texas driver’s license or a utility bill will also work for us.
Proof of Your Income
Although your credit rating is of no concern to us, we do want to make sure that you have the ability to pay back the loan. This means pay stubs or a W2 form. If you are self-employed, your 1099 forms will suffice.
If you would like to apply for a title loan, then bring your car over to one of our local offices along with the required documentation. There is no appointment necessary and there is no commitment to getting a loan. We can give you an estimate of the amount of money we can lend you as well as the terms of financing. We lend money as low as $300 and up to $6000.
The length of the loan and the monthly payments will vary. We are happy to talk about how much we can loan you and how much your payments will be.
Always keep in mind that you get to keep your vehicle.
Although we keep the title to your vehicle as security for your loan, you get to keep possession of your car. Getting a title loan means getting the money you need for your financial situation, but without any disruption in your life.