About Texas Title Loans
A title loan is a secured, short-term loan where a vehicle title serves as collateral for the loan. The lender keeps the vehicle’s title until you repay the loan. You can use various types of vehicle titles, including cars, trucks, and motorcycles. A title loan can help pay for unexpected financial emergencies.
In Texas (excluding Austin, Dallas, and Fort Worth), ACE offers title loans in stores only, with loan amounts ranging from $100 to $5,000. If approved, you walk out the same day with cash in hand!1 If you have a clear vehicle title and have unexpected expenses, a title loan may be a good option to consider.
What Do I Need to Apply for a Title Loan in Texas?
Anyone can apply for a title loan, if available, at a Texas ACE store. The application process is quick and simple, and all you need are a few pieces of information to get started.
Some items you’ll need to apply for a title loan in Texas are:
A clear title for your vehicle in your name for the car or motorcycle title that will serve as collateral for the loan
A valid, government-issued photo ID, such as a driver's license, state ID, or passport
A valid Social Security Number or Individual Taxpayer Identification Number
Proof of a steady source of recurring income: A recent pay stub, benefit statement, or other documentation to verify your income, whether it’s through employment, retirement, disability, self-employment, or another income source
For complete details, please visit the Title Loan Requirements page.
Title loans are not offered in Austin, Dallas, or Fort Worth. To find an ACE store near you to apply, use our Store Locator.
Does the Value of My Vehicle Affect the Loan Amount?
When you apply for a title loan, the value of your vehicle and your income are assessed to determine the amount you may be eligible to borrow based on our standard underwriting criteria.1 The maximum loan amount, if approved, in Texas is $5,000. Bring your vehicle, title, and the other information listed above to one of our locations where title loans are offered and we’ll help you start your application!
Why Choose ACE for Texas Title Loans?
ACE offers loan products that consumers trust for support during financial emergencies. Here's why you should choose a title loan offered at ACE.
Our in-store application process takes just a few minutes, and you'll receive a quick decision.
ACE associates are ready to help with your application or any questions you may have.
You can repay your loan early without penalty, which may save you money in interest and fees (where applicable).
If approved in Texas, you can borrow up to $5,000.1
Since 1968, ACE has offered consumers financial services like title loans to help them get through tough times. We also offer a broad range of financial products and money services to fit your needs, including payday loans, installment loans, card services, check cashing, money transfers, bill payment, and money orders.
If Approved, When Can I Receive the Title Loan Funds?
If your in-store application is approved, you'll get the cash on the spot for your title loan.1 If you have any questions about the application process, using a vehicle as collateral, or related fees, an ACE associate will be happy to assist.
What if I change my mind and decide to cancel my loan?
Every ACE loan comes with a 72-hour satisfaction guarantee. To cancel the loan, you must return the proceeds from your loan to the store where your loan was originated within 72 hours of receiving your loan proceeds. In Texas, you are required to sign a cancellation notice that was provided to you at the time of approval.
Does ACE Offer Other Short-Term Loans?
Yes! ACE also offers two other types of short-term loans in Texas (except in Austin and Dallas): payday loans and installment loans. Texas payday loans are only available online, and installment loans are available both online and in-store. Payday loans and installment loans don't require a form of collateral and are alternatives to title loans.
Texas Title Loan FAQs
Vehicle titles with two or more names are accepted, but all people listed on the vehicle title must be present in the store to complete the title loan application process. The store associate will assist you with the documents if you are approved.
Title loans at ACE Cash Express stores in Texas (excluding Austin, Dallas, and Fort Worth) are offered from $100 to $5,000. If approved, the amount you may borrow will depend on your income and standard underwriting criteria.1 You could walk out that same day with the cash in hand.
Absolutely! If approved, you get the money, and you get to keep driving your vehicle.1
Yes, your vehicle needs to be paid off for a title loan.
Yes, title loans for motorcycles are available at select ACE stores near you.
You can apply for a title loan using any clean title in your name, even if your vehicle is titled in another state.
