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Is Poor Credit Standing in Your Way?

If you've got good credit, running into a financial problem isn't a life-altering event. You simply go to your bank, apply for a loan to get you back on your feet and it's smooth sailing again. But if you've got bad credit, it's another story entirely. The banks and credit unions won't help you. In fact, according to Nerd Wallet, if your credit score is under 580, virtually no one will lend money to you.

This can turn a simple problem into a major issue. You could fall behind on your mortgage payments and other financial obligations. You could face foreclosure, eviction, repossession and account charge-offs, all of which will just make your situation even worse. Doesn't that seem terribly unfair? Why do lending institutions punish you for mistakes you made in the past? Don't they realize that they're crippling your future by refusing to give you another chance?


Car Title Loans in Texas can Help

Luckily, you do have options. They're called auto title loans. Car title loans are ideal for people with less-than-perfect credit because they don't involve a credit check at all! Instead of using your credit history to decide if you qualify for a loan, vehicle title lenders hold the original title to a car you own as security. Then, they offer you a loan based on the value of that car. The lender will then hold your car title while you make your payments. When you pay the loan off, the lender returns your title and closes your account.

If you default on a vehicle title loan in Texas, the lender has the right to take possession of your car and sell it to recoup his losses. This is how car title lenders like us are able to provide you with loans without checking your credit. Your car is extremely valuable collateral. We know you'll do everything you can to pay off your loan; if you don't, we won't lose money because we'll sell your car. However, this is a last resort option. Most title lenders, including us, do everything they can to avoid repossessing vehicles. We want repeat customers; therefore, we'll do everything in our power to work with you so you can make your payments.


Qualifying for a Car Title Loan

One of our top title loan FAQ is, "What does it take to qualify for a car title loan?" Here are our basic requirements:

  • You must be at least 18 years old.
  • You must be a legal U.S. resident.
  • You must own your own vehicle.
  • You must have some form of income.

The needed documents for a title loan are the original title, your government-issued photo identification and pay stubs, bank statements or official letter showing your income. It's all right if you don't have a job. We can approve your application as long as you're receiving some form of steady income, such as through child support, alimony, retirement, disability or rental income.


Getting Title Loans without Title

But what if you own a car and don't have the title? Can you still qualify for title loans without title in Texas?

We can't approve a loan without a title. HOWEVER, getting a replacement title is quick, easy and cheap! All you have to do is apply for a title replacement at your local Department of Motor Vehicles. According to, you'll need to fill out Form VTR-34, which is the Application for a Certified Copy of Certificate of Title. Present a teller with your application and driver's license for a duplicate title to your vehicle.

At the time this article is being written, it costs $5.45 to replace your title in person in Texas. You can mail your application, which only costs $2.00, but it can take weeks to receive your title. You can also send someone to the DMV for you if you're not able to apply for the duplicate title yourself. However, to do this, you must sign a limited power of attorney to give this person the right to handle this type of business in your place. The person you send in your stead must bring his or her driver's license to the DMV as well.

Getting title loans without title isn't impossible as long as you take the simple steps necessary to get a replacement title. We recommend getting your replacement in person, as it will save you a great deal of time.


Applying for a Title Loan in Texas

Have you ever applied for a loan with a bank? It can take hours, and banks want a ton of information. Not us! Applying for title loans is simple and easy. Start online. Tell us a few things about your car, such as:

  • year
  • make
  • model
  • mileage

Then tell us a few things about yourself, including:

  • full name
  • zip code
  • phone number
  • email address

Instantly, we'll provide you with a quote based on your vehicle's value. This may be several hundred dollars or several thousand! Because many of our customers qualify for a lot more money than they thought they would, we caution everyone to borrow only what they need.

After you get your quote, one of our professional loan specialists will call you (or send you an email, depending on the contact information you provided us with). We'll answer any questions you have about the borrowing process and, if you're ready, we'll walk you through what you have to do to complete the application.

We'll direct you to our location nearest you so you can pay us a visit. Bring these documents:

  • your driver's license (or photo ID)
  • proof of address
  • proof of income
  • the original car title

We'll process your application, get you the best deal on car title loans we can and go over your payment plan options. When you're happy, sign your loan documents and we'll hand you your check. It's as easy as that! A simple application, quick money and no credit check -- that's a car title loan!


Car Title Loans are Here to Help

What do you need the money for? We help people every day who need to catch up past-due bills, pay off unexpected medical expenses and pay for necessary school supplies. We help people make ends meet when someone in the family is temporarily laid-off or has to take a leave of absence. We help people who want to make a major purchase, like a refrigerator or laptop. We help people make security deposits on new homes and afford moving expenses.

The point is, we're here to get you the money you need, no matter what you need it for. We're pros at approving loan applications for people who are all-too used to hearing the word "no" from banks and credit unions. Even if you've lost your car title, we can provide you with the guidance you need to get your title and apply for a loan with us.

Why not fill out our online form to see how much you qualify for today? If you like what you see (and we think you will) we can put money in your hand as soon as today!