A Look at Our FAQs

Are you interested in getting a title loan? VIP Title Loans makes it easy! Before you begin, find the answers to our most frequently asked questions here.

What makes VIP Title Loans better than other title loan companies?

We are locally owned and operated, serving customers in the Dallas-Fort Worth area. Unlike out-of-state, corporate-owned lenders, we offer a lenient grace period for late and missed payments. We also boast the lowest total payback in the industry, allowing you to save hundreds or even thousands of dollars over the life of your loan. Plus, our payment plans consist of installment loans with monthly payments, not one-month loans that expire every 30 days like most title loan companies.

How do VIP Title Loans’ rates compare to other lenders?

Every title loan company claims to be the best and the cheapest, but numbers don’t lie. Simply compare our rates with our competitors, and you’ll see how much you can save!

What is a car title loan?

A car title loan is when you borrow money against the value of your vehicle. Unlike unsecured payday loans, your car acts as collateral, which keeps the interest rate down. Your car doesn’t even necessarily need to be paid off in full to obtain a title loan. And don’t worry—with VIP Title Loans, you get to keep and drive your car like normal.

What is a title loan buyout?

Maybe you already have a high-interest loan from one of our competitors that you’re struggling to pay off. Don’t fret—with a title loan buyout, we’ll pay off your old debt and set you up with a flexible, lenient, low-interest loan from us. You’ll breathe a sigh of relief when you see your new payment plan.

Is a title loan right for me?

Life is full of surprises, not all of them good. If you need money to pay for unexpected expenses or to tie you over until your next paycheck or commission comes through, a title loan could be right for you.

What do I need to bring when applying for a title loan?

Expect to be in and out in under 30 minutes—no wait, no hassle. For the smoothest application process, bring your car, a photo ID, and a Texas car title (if you have it). When applying for a title loan buyout, you just need your car, ID, and current title loan. We’ll take care of the rest!

What if I have bad credit?

We don’t do credit checks. If you own a car with a clear title and can show proof of income—including disability benefits, welfare, pensions, investment income, and side projects—you can confidently apply for a title loan in Texas.

If you have other questions, feel free to call VIP Title Loans at 214-819-9491 or 682-325-4202. You can also fill out our online contact form or visit one of our six North Texas locations to speak with a lending agent in person. We look forward to hearing from you!