Best Car Title Loan Companies In Texas (UPDATED Jul. 2024)

Best Car Title Loan Companies In Texas

Different states have different regulations on car title loans. Texas is a state where this type of loans is permitted and regulated by law. Loan terms may vary depending on the company you go with, but there are some general rules that all companies have to follow. Interest charges may not be greater than 10% and the maximum term is 180 days. There are no limits on the loan amount or any of the fees. Lenders are allowed to offer both single-payment and installment title loans.

The companies featured on the list below do not only operate in accordance with the abovementioned rules but they also constitute the best choices for Texans in search of a car title loan. Take a look at our top choices and discover the easiest way to get ahold of some extra cash using your car as collateral.

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MaxCash Title Loans

With Max Cash Title Loans, you can take out a title loan of up to $50,000 and retain full use of your vehicle. Approvals are speedy and the money is deposited to your account within 3 days.

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Check Into Cash

Check Into Cash is a direct lender offering payday loans, allowing you to get some instant cash when you absolutely need it. You can apply either online or in-store.

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LoanStar Title Loans

LoanStar Title Loans offers car title loans of up to $10,000 and you can get the money you need in 20 minutes or less. All you need is your photo ID, your car, and its lien-free title.

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LoanMart

LoanMart Car Title Loans offers auto title loans of up to $50,000. Applying for a loan with this company is free, the repayment terms are reasonable, and there are no prepayment fees.

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Check City

Check City is a popular loan company that offers quick, easy, and convenient payday loans both online and in one of their stores in a stress-free and transparent manner.

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Choosing The Best Car Title Loan Companies In Texas

One can never be too careful when taking out a title loan, especially in states like Texas, where there are no limits on the fees, which companies often use to their advantage and leave you with enormous costs that are hard to pay. That is why our selection process is guided by strict criteria that allow us to efficiently weed out all the companies that are just after your money and offer you only the best options available on the Texas title loan market.

First, we look into the company’s reputation in order to ascertain whether it is credible and reliable. We want you to make the safest possible choice, which is why the first step in our selection process is verifying the fairness and legitimateness of the business.

We only consider the companies that are completely transparent about their operations and the fees they charge. Therefore, we invest great efforts in determining whether there are any hidden fees to worry about and whether the company clearly states all the costs that the loan entails.

Once we are certain that the information on all the costs is readily available, we take a closer look at the rates and fees. We compare companies based on how much they charge for different loan amounts and choose the ones that offer the most reasonable rates and fees, so you do not have to pay more than is necessary.

Repayment terms are also highly important. We always double and triple check whether the company offers terms that are in accordance with fair lending practices and whether you are given enough time and enough options to repay your loan as planned. We also explore the options you are given if you fail to make your payments on time and choose the companies that give you the chance to make things right without charging too steep late fees and before taking any severe measures like repossessing your vehicle.

Finally, we make sure that everything goes smoothly with the car title loan companies we select, from the moment you apply for a loan to the moment you repay it. We look for simple application processes, speedy approvals, and the opportunity to have the money in your hands as quickly as possible.