Applications for Personal Loans & Title Loans in Texas
Discount Car Title Loan
How fast is the application process?
The application process at Discount Car Title Loan typically takes 10 to 15 minutes to complete. If you can bring all the correct documentation to any of our locations in Texas, a decision can be made the same day of application.
Can I apply for a loan from Discount Car Title Loan Online if I live outside of a selected market (San Antonio MSA, Laredo MSA, Corpus Christi MSA, Rio Grande Valley MSA)?
Possibly. At Discount Car Title Loan we are expanding our lending areas rapidly. Our coverage map is updated frequently.
Can I change the amount I’m borrowing?
Yes, at Discount Car Title Loan you can borrow an amount up to the car title loan amount for which you’ve been approved. You can change the amount you are borrowing from the time you are notified of your approval up until you are issued your loan proceeds.
How much will my payments be?
Payment amounts are based upon the loan size, interest rate, fees and term of the loan. Our experienced lenders in Texas calculate a payment amount they think you can afford based upon your income and debts/expenses. You also have the ability to change the loan amount and/or term, within certain parameters, before the loan is disbursed if you’d like to have a lower payment. Payments are made in fixed installments which means they don’t change over the life of the loan (except the last payment, which may be larger or smaller depending upon whether you made your payments on time).
How do I know that the documents I have submitted are being processed?
You may call or visit any of our locations in Texas to submit the required documentation (proof of identity, income and residence). You may also submit your documents yourself through Discount Car Title Loan online application, and you will receive a confirmation notice by phone or email. In either case, you will be notified by one of our customer representatives regarding the approval status of your loan shortly following the submission of your application.
What is the status of my car title loan application?
You can be assured our experienced and knowledgeable agents are processing your application as quickly as possible. Should you have specific inquiries, you can visit or contact one of Discount Car Title Loan locations in Texas. Agents will be happy to assist you.
How to get my car title loan funds?
You can get your loan proceeds, either in the form of a physical check, at any of our locations in Texas, or via an electronic check which can be e-mailed to you. All you need is the ability to print that electronic check on regular paper and cash it at any bank or check cashing facility.
Does the lender inspect the vehicle before approving a title loan?
At Discount Car Title Loan we will base the appraisal of your vehicle on your good faith that the car is in working condition and that its condition is accurately represented by the pictures that you send your lender.
Do you lenders offer title loans for people with bad credit?
Yes, at Discount Car Title Loan we regularly have applicants with bad or no credit. We understand that people make mistakes and we believe that poor FICO scores shouldn’t prevent people from getting help when they need it the most.
When will I receive my money?
Our loan agents in Texas use a variety of methods to get you your money quickly. Depending on how you choose to receive your money, it can take as little as a few minutes to a few business days. If you decide to accept an electronic check, you will get your money in minutes.
What if I already have a title loan with another company?
That’s perfectly fine. At Discount Car Title Loan we can connect you to an agent in Texas that can refinance your existing loan and save you money. Refinancing a car title loan means finding a new lender that will pay off the amount you owe to an old lender. The balance from the old car title loan will then be transferred over to a new car title loan with lower interest.
How does the Storefront car title lending process work?
We make the title lending process simple, and it only takes a few minutes to get the cash you need. Here’s what you´ll need to do if you prefer to get your loan at any of our locations in Texas.
How does the car title loan process work?
* To be approved for a Title Loan.You must be at least 18 years of age. Approval is subject to vehicle inspection and appraisal.
**In Texas, Vin-Title, LLC (d/b/a Discount Title Loan) Will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see the store associate for details.
This service is not available in all areas. If you request a car title loan in a particular area where such loans are prohibited, or in a location where we do not have an available lender, you will not be connected to a lender. You are urged to read and understand the terms of any car title loan offered by any lender and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all areas. Our online loan service readily serves your need to connect with a quality car personal loan. The process takes a few minutes. Fill out our secure online loan questionnaire and we will send an encrypted copy for us to approve. Once you submit your information you will be able to review the terms of the personal loan, including details about all the applicable rates and fees. If you accept these terms, you may deposit money directly into your bank account, in many cases, as soon as today!
Lender’s Disclosure of Terms.The lenders will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. You are urged to read and understand the terms of any loan offered by any lender and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments may Hurt Your Credit Score.Please be aware that missing a payment or making a late payment can negatively impact your credit score (for personal loans). To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
What we do. Discount Car Title Loan is not a lender and does not make loan or credit decisions. We connect interested persons with lenders from our approved personal loan and car title loan network. We do not control and are not responsible for the actions or inactions of any lender, we are not an agent, representative or broker of any lender. Our referral service is always free to you.
On-line Marketplace.Our goal is to get you the best title loan rates and title loan terms in the market. We have also made the process simple. No need to visit hundreds of websites and fill out numerous paperwork.