Yes. You keep your car and continue driving it as usual for the full term of the loan. The lender holds your vehicle's title, not the vehicle itself, so there's no interruption to your daily routine.

Do you check my credit?

We don't rely on a credit check to approve your loan. Approval is based on your vehicle's value and your proof of income, so all credit types — including no credit or past credit problems — are welcome to apply.

What do I need to bring?

Bring a lien-free title in your name, a valid government-issued photo ID, and proof of regular income. Employment isn't required — disability, Social Security, child support, alimony, and self-employment income are all accepted.

How fast can I get the money?

Most customers finish the online estimate in about a minute and hear back the same day with a decision. Once your vehicle and title are verified in-store, you can walk out with your cash that same visit.

Can I pay off my loan early?

Yes. There's no prepayment penalty, so you can pay off your loan ahead of schedule at any time without an extra fee. Paying early reduces the total amount of interest and fees you pay over the life of the loan.

Texas car title loans

Car Title Loans in Texas: $150 to $10,000, Same-Day Decisions

A car title loan lets Texas drivers borrow $150 to $10,000 using a lien-free vehicle title as collateral, while keeping the car the whole time. Discount Car Title Loan reviews your vehicle and income, not just your credit, and gives a same-day decision, with fixed monthly payments over 3 to 6 months and no prepayment penalty.

• $150 to $10,000
• 3–6 month terms
• Fixed monthly payments
• No prepayment penalty

How much do you need?

$2,500

$150$10,000

Collateral-based — all credit types welcome.

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•17 Texas locations•17 years in business

How it works

Step 1
Submit your info
Slide to your amount, share your contact info, and tell us about your vehicle.
Step 2
Vehicle review
We verify your vehicle, title, and ID — quick and bilingual.
Step 3
Same-day decision
Approval is collateral-based, not credit-based. All credit types welcome.
Step 4
Pick up cash
Walk into any of our 17 Texas stores and drive home in your car.

What you need

• A lien-free title in your name
• Valid government-issued ID
• Proof of regular income — employment not required (disability, Social Security, child support, alimony, self-employment all accepted)

See full requirements →

Loan details

• $150 to $10,000
• 3–6 month terms
• Fixed monthly payments
• No prepayment penalty

Read frequently asked questions →

What is a car title loan in Texas?

A car title loan is a short-term loan secured by your vehicle's lien-free title instead of your credit score. You keep driving your car the entire time; the lender holds the title, not the vehicle. Approval rests on your vehicle's value and your income, so all credit types are welcome. Loans run $150 to $10,000 with fixed monthly payments over 3 to 6 months, and there's no prepayment penalty if you pay off early.

Discount Car Title Loan is a Credit Services Organization (Vin-Title, LLC) and is not the lender. Loans are made by an unaffiliated third-party lender. Approval and loan terms depend on the lender's review of your application and vehicle. We do not guarantee approval.

How much can you borrow?

Loan amounts range from $150 to $10,000. The exact amount you qualify for depends on your vehicle's value and your ability to repay based on your income, not a credit score. A higher-value, lien-free vehicle with steady income to support it can qualify for more; a lower-value vehicle qualifies for less.

See how we calculate your loan amount →

What a title loan costs

Every fee is set out in our public schedule of fees. We don't post loan-specific dollar amounts on this page because your fees depend on your loan amount and term. Review the schedule before you apply so you know exactly what's charged, and ask your local store to walk through it with you in person.

Read the schedule of fees →See what a title loan costs in Texas →

Title loans near you: 17 Texas stores

Discount Car Title Loan operates 17 stores across the Rio Grande Valley (McAllen, Edinburg, Pharr, Mission, Alamo, Weslaco, Harlingen, Brownsville, Peñitas, and Rio Grande City), plus Corpus Christi, Eagle Pass, Houston, Laredo, North Laredo, and San Antonio. Find your nearest location below for hours, address, and a phone number, or start your application online first.

Online title loans in Texas: start online, finish at the store

You can start a car title loan online in Texas. Submit your information and vehicle details to get an estimate in about a minute, then hear back with a same-day decision. Your lien-free title, ID, and income are verified at your nearest store, where you sign and pick up your cash. Starting online saves time at the store, because our bilingual team can review your vehicle and title details ahead of your visit.

Start your online estimate →

Guides to Texas car title loans

Read our library of Texas title loan guides for details on requirements, costs, credit, and more:

See all guides →

Frequently asked questions

Ready to see your estimate?

Apply today and find out what you qualify for.

Apply now