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You made a few mistakes in the past with your credit. Maybe you were young and didn't know better. Maybe you hit a financial crisis and had to file bankruptcy. Whatever the reason, having poor credit is like going through life with a 50-pound anchor attached to your ankle. When you need help with money, almost every lending institution will tell you no. Where do you turn then?

The options for people with bad credit are extremely limited, and going on a fruitless search for a loan with a bank or credit union will only lower your credit score even more as your report is repeatedly pulled. You may get so desperate that you stoop to:

  • pawning your personal items
  • getting stuck in a payday loan rut
  • begging friends and family

But there is another option for no credit loans in Texas. It's called a car title loan. What's a car title loan? According to The Fair Lending Alliance, car title loans are no credit loans in Texas. Instead of using your credit report to determine your eligibility for a loan, title loan lenders hold the original title to a vehicle you own as security. Then, they loan you money based on the value of that vehicle, not on your income or credit worthiness. Texas auto title loan lenders will never check your credit...ever.


Texas Title Loan Requirements

Title loans Texas are not difficult to get. The primary requirement is a clean, clear title to a car you own in your own name. You have a clean, clear title to your car when you own it outright, with no more payments remaining. It also means no business has a lien against your title. This only happens if you owe a business money and in order to get that money back, the business legally files for interest in your car. It's rare that a business will take this step. You can check with your local Department of Motor Vehicles to see if there are any liens against your car.

There are a few more requirements for getting a vehicle title loan in Texas. You must be at least 18 years old and you must have some form of income. You don't have to have a job to qualify for a Texas title loan. That's right. We can tell you how to get a title loan without a job. You simply must be able to prove that you have the means to repay your loan. Your income could be in the form of:

  • alimony
  • child support
  • disability
  • worker's compensation
  • retirement
  • structured settlement

As long as you're able to comfortably make your loan payments, you can be approved for a car title loan, no job necessary! Most title lenders that offer no credit loans in Texas will accept three months' worth of bank statements as proof of income. You can also submit paperwork from the agency you receive money from, such as the agencies that handle disability or retirement income. There are also low income title loans in Texas. Your lender will work with you to come up with a loan amount and a structured repayment plan that will fit in with your budget, no matter how tight it is.


How to Apply for a Texas Title Loan

The application process for title loans is simple. You can start online by providing your car's information, and your name and phone number. You'll immediately get a title loan quote. How much you can get depends entirely on your car's value. Factors that influence your car's value include:

  • age
  • make/model
  • mileage
  • condition
  • special features

You may qualify for a few hundred dollars or several thousand. After you get your quote, an experienced lending associate will call you to walk you through the rest of the application and answer any questions you may have.

Completing the full application requires a visit to a local title lending service. You'll need to provide your photo identification, proof of address, the original title and proof of income. But what if you no longer have your original title? No problem! Getting a replacement title is quick and easy. According to, all you need to do is visit your local DMV with your driver's license, fill out Form VTR-34, which is the Application for a Certified Copy of Certificate of Title, and pay $5.45. You can also apply for a duplicate by mail, which costs only $2 but can take weeks to get your title.

Depending on the lender, you may also need to provide up to five personal references and a copy of your ignition key. While you're at the office, you'll need to let a lender inspect your vehicle. The final loan amount depends on your car's condition. If your car is in excellent condition with plenty of upgrades, you can actually get more money than you were originally quoted!

Once your vehicle is inspected and your loan is signed, you'll hand over the title in exchange for your loan money. Best of all, you get to keep your car. Texas title loan lenders aren't pawnshops. They don't keep your vehicle. You're free to take it back home and use it as you normally would. There are absolutely no restrictions on when, where or how often you can drive your car.


How Texas Title Loans Can Help You

Title loans are regulated at the state level, which means each state decides whether or not to allow these loan services to operate. Unfortunately, many states have outlawed title loans because of the unscrupulous practices of a few bad lenders. Without this borrowing option, many people with bad credit would have nowhere to turn for financial help.

The good news is that Texas is a fair state and it understands the needs of its people. No credit loans in Texas that use your car title to secure them are perfectly safe and legal in this state. Your lender will work with you to provide you with the money you need at a repayment plan you can afford. If you experience a financial setback and can't afford your payments, call your lender immediately. He or she will be happy to revisit your payment plan and make adjustments.

How can you spend your money? Anyway you choose! Customers choose title loans to help them:

  • pay off student loans
  • pay medical bills
  • catch up on past-due bills
  • make automobile repairs
  • buy school supplies
  • make a major purchase
  • make a down payment on a new home

We've even had customers use their loans to treat themselves and their loved ones to a much-needed vacation. Whatever you need the money for, title loans can help you get it fast. No credit checks, no hassle, no long application!

Get in touch with us today, and get the money you deserve!