Title Loans in Texas
A title loan is a loan in which a vehicle serves as collateral for the loan amount. Why choose a title loan in Texas? A Texas title loan can help pay for emergencies when they strike. In Texas, title loans are offered in stores from $100 - $5,000 (not offered in Austin, Dallas, or Fort Worth). If approved, you could walk out with cash in hand!
What Do I Need to Apply
What do I need to apply for a title loan?
Anyone is free to apply for a title loan. The process is quick and simple, and all you need are a few pieces of information to get the loan application started. Refer to the guidelines below.
To apply for a title loan in-store, you will need the following:
- Phone number
- Clear title in your name
- Valid, government-issued ID
- Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source
Title Loan Questions
Q: How do I apply for a title loan in Texas?
A: Use the Store Locator to find an ACE location near you that offers title loans. Visit an ACE Cash Express location to apply in person. Be sure to bring in a clear title with your name on it, a valid, government issued ID, and evidence of a steady source of income such as employment, retirement, disability, self-employment, or another recurring source of income. If your title has two or more names on it, all people must be present in the store to complete the process.
Q: What if there are two or more names on the vehicle title?
A: Titles with two or more names are accepted, but all people must be present in the store to complete the title loan application process. The store associate will instruct you on how to sign the documents if you are approved.
Q: How much money can I borrow with a title loan in Texas?
A: Title loans at ACE Cash Express stores in Texas are offered from $100 - $5,000 (not offered in Austin, Dallas, or Fort Worth). If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1
Q: If approved, when will I receive my funds in Texas?
A: If approved in-store, you can walk out with cash in hand immediately.
Q: What if I change my mind and decide to cancel my loan?
A: 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. In Texas, you are required to sign a cancellation notice that was provided to you at the time of approval.
Why Choose ACE Cash Express
A title loan from ACE has many benefits:
- Fast and easy application
- Instant loan decision
- You get to keep driving your car
- Cash on the spot, if approved