Frequently Asked Questions

Discount Car Title Loan

How can I apply for a personal loan or a car title loan?

Applying for a vehicle title loan through Discount Car Title Loan is quick and easy. If you wish to apply in a store or over the phone, our customer representatives in Texas will be happy to guide you through the process. You can also use our online loan application, which is accessible from desktop, tablet or mobile at.

How can I apply to borrow?

We offer vehicle title loans in Texas that range from $125 to $10,000. The maximum amount you can borrow through Discount Car Title Loan depends on several factors, including your income, existing debts and past payment history.

How long will I have to repay my loan?

The term of the personal loan or a car title loan depends primarily on loan size, interest rate, fees and how much we think you can afford for a monthly payment. Our Discount Car Title Loan lenders in Texas offer terms from 3 to 6 months with the smaller loans generally having shorter terms and the larger loans having longer terms.

Who can I contact if I have questions about my loan?

For questions regarding your car title loan, you can contact your lender directly or visit one of our nearest locations in Texas.

What is the difference between a personal and a car title loan?

A title loan is a type of short-term loan that uses the title of your vehicle as collateral. We recommend car title loans for consumers in Texas who need quick cash but donít qualify for traditional means of financing. Unlike banks, qualifying for a loan with us is simple and doesnít require a credit check. Best of all, you can continue to use your vehicle while the loan is outstanding. A personal loan, also known as an installment loan, is a popular option for consumers with an established credit history. No collateral is required for personal loans and the loan terms may be longer than 6 months.

What does it mean to have a lien-free (clean) car title?

A lien-free car title is a vehicle without any liens. A lien is a legal claim on a property by a creditor. Having a lien-free car title means that you own your vehicle outright without the threat of repossession or seizure.

Can I still drive my vehicle with a car title loan or a personal loan backed by a car title?

Yes, you can definitely drive your car during the course of your title loan.