What Documents Are Needed For Texas Title Loans?
When unexpected bills, car repairs, or emergency expenses appear, you might need cash quickly. A Texas title loan can help you handle those costs without delay, but what documents do you need to qualify?
Let’s go over the simple list of items you’ll need to apply and how to get your cash fast with Title and Payday Loans.
Basic Documents Required for Texas Title Loans
The required items for Texas title loans are as follows:
- A state-issued ID
- Your lien-free title
- Proof of income
- The vehicle itself
Let’s go over each requirement in more detail.
1. Valid Identification (State-Issued ID)
Your documents for ID are pretty simple. If you have a car title to put up as collateral, then the odds are you have a driver’s license to go with it. That’s the easiest way to meet this requirement, but if you don’t have one, don’t worry! You can also use your passport, non-driver’s license, military ID, or even student ID.
2. Your Lien-Free Title
Your car’s title is used to secure the loan, which is why it needs to be lien-free. A lien on your title indicates to us that your car is technically owned by another entity until you repay them, rendering it useless as collateral—especially given that our vendors need to place a lien against your car to secure their investment of lending money.
Check your paper or electronic title. On a paper title, you should see a lienholder category filled out with a name if someone has a lien against it. Electronic titles will usually list the lien separately. Either way, you will need to pay the lienholder what you owe them and ask them to remove their claim from the title.
Electronic liens can be removed by the lienholder, but if you have a paper title, then you’ll need to take it, along with the Lien Release Form issued by the lienholder after you pay your debt, and apply for a duplicate title at your local DMV office. Once that’s done, you’re all clear to apply for one of our vendors' loans.
3. Proof of Income for Title Loans in Texas
The last document you will need to take out a loan is proof of income. In some cases, our vendors may ask you to provide your most recent pay stub to confirm your income is sufficient to repay the loan. Once confirmed, you can walk through the rest of the process hassle-free.
4. Bring Your Vehicle for a Quick Inspection
When requesting a title loan using your car title, you must use the vehicle that is listed on the title to secure your emergency cash. You are not required to give up the car, van, or truck you use as collateral, but you will need it for a quick inspection to determine the amount you can borrow, and then you can drive it as you normally would.
How To Apply for a Texas Title Loan
Getting a title loan through Title and Payday Loans is fast, straightforward, and stress-free. Here’s how it works:
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Start Online – Fill out the short form on titleandpaydayloans.com.
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Speak With a Representative – A loan expert will contact you to confirm details and connect you with a licensed Texas vendor.
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Bring Your Docs and Car – Head to your appointment with your ID, lien-free title, and vehicle for a quick review.
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Get Approved and Paid – If approved, you could receive up to $15,000 the same day or by the next business day.
It’s really that simple, no complicated paperwork or long waiting periods.
Frequently Asked Questions About Texas Title Loans
Do I Need Good Credit to Get a Title Loan?
No! Unlike traditional loans, a Texas title loan is secured by your vehicle title, so your credit score is not a primary factor.
How Much Can I Borrow with a Texas Title Loan?
Loan amounts depend on your vehicle’s market value and lender policies. Some borrowers qualify for up to $15,000.
Are Texas Title Loans Available for All Vehicles?
Yes, our vendors accept cars, trucks, SUVs, and even motorcycles for title loans in Texas.
Get Fast Cash in Texas Today
Life happens — and when it does, having a fast financial option makes all the difference.
At Title and Payday Loans, we help you connect with trusted lenders offering Texas title loans that fit your needs. You only need your lien-free title, valid ID, proof of income, and your vehicle for a quick inspection.
If you want to explore more title loan options or nearby locations, check out our trusted partner at Texas Car Title and Payday Loan Services, Inc..
They also provide quick approvals and same-day funding options throughout Texas.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
