Lending Disclosure: We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, fund loans, or dictate loan terms.
APR Disclosure: APRs for title loans vary significantly by lender, state, and your specific financial situation. Texas does not have a statewide cap on title loan APRs, which often means rates can exceed 300%. We do not control the rates you are offered.
Credit Check Notice: Participating lenders may perform a credit check through standard credit bureaus (Equifax, Experian, TransUnion) or alternative providers. Submitting a request does not guarantee approval.
State Information: In Texas, auto title loans are often structured through Credit Access Businesses (CABs). Austin city ordinances (Chapter 4-12) limit title loan amounts to 70% of the vehicle's retail value or 3% of your gross annual income, whichever is less.
State Regulations: Austin enforces a strict ordinance on auto title and payday loans. Lenders acting as CABs must register with the city. City law mandates that loans cannot exceed specific income or vehicle value thresholds and regulates how many times a loan can be refinanced.