Question 1

How fast can I apply?

Accepted Answer

Most customers finish the online estimate in about a minute, and we follow up the same day. In-store visits typically take about 30 minutes.

Question 2

How much can I borrow?

Accepted Answer

Loans range from $150 up to $10,000. The exact amount depends on your vehicle's value and your ability to repay.

Question 3

How long do I have to repay?

Accepted Answer

Terms typically run 3 to 6 months with fixed monthly payments.

Question 4

Who do I contact with questions?

Accepted Answer

Call 1-800-538-3133 or your nearest store directly. See the locations page for the full list.

Question 5

Can I keep driving my car?

Accepted Answer

Yes. You keep your car and drive it normally. We hold the title, not the vehicle.

Question 6

What is a lien-free title?

Accepted Answer

A lien-free title means no other lender is listed on the title — you own the vehicle outright.

Question 7

Can I change the loan amount before disbursement?

Accepted Answer

Yes. Before funds are disbursed you can request a lower amount than the maximum we offer.

Question 8

How do I set up autopay?

Accepted Answer

Ask your store about ACH autopay from a checking account at signing or any time during the loan.

Question 9

How can I make a payment?

Accepted Answer

Pay in-store with cash or debit, or by phone. Online and ACH options may also be available depending on your loan.

Question 10

Can I cancel within 3 days?

Accepted Answer

Texas law gives you a right to rescind certain loans within 3 business days. Ask your store about the specific terms in your contract.

Question 11

Is there a prepayment penalty?

Accepted Answer

No. You can pay off your loan early at any time with no prepayment penalty.

Question 12

What do I need to apply?

Accepted Answer

A government-issued ID, your vehicle, its lien-free title in your name, and proof of regular income.

Question 13

Do I need a job?

Accepted Answer

No — a traditional job is not required. We accept proof of regular income from disability, Social Security, child support, alimony, unemployment, or self-employment.

Question 14

Can I apply without a bank account?

Accepted Answer

Yes. Funds can be picked up in-store as cash or as an electronic check by email.

Question 15

What if I have bad credit?

Accepted Answer

Approval is based on your vehicle, not your credit score. All credit types are welcome.

Question 16

Will my loan be reported to credit bureaus?

Accepted Answer

Title loans are generally not reported. Personal loans typically are. Ask your store about the specific product you are applying for.

Question 17

Can I get a loan with bad credit?

Accepted Answer

Yes. Loans are collateral-based — approval is driven by your vehicle, not your credit history.

Question 18

Do you lend to active-duty military?

Accepted Answer

No. To comply with the Military Lending Act we do not extend title loans to active-duty service members or their dependents.

Question 19

How do I get my money?

Accepted Answer

Pick up cash at any of our 17 Texas stores, or receive an electronic check by email that you can print and cash at most banks or check-cashing locations.

Question 20

How do I get my title back after payoff?

Accepted Answer

Once your loan is paid in full, we release the lien and return your title. Your store will walk you through the local DMV steps if needed.

Question 21

Can someone else make a payment for me?

Accepted Answer

Yes. Anyone can make a payment on your behalf using your loan or account number.

Frequently asked questions

Getting started

The loan

Payments

Requirements

Credit

After approval

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