Title Loans in Austin

Austin is one of the Texas cities with a local “unified ordinance” that adds borrower protections on top of state law. Under it, a title loan generally cannot exceed the lesser of 3% of your gross annual income or 70% of your vehicle’s value, which ties the amount to what you can realistically repay rather than to the car’s value alone.

The ordinance also limits how loans roll: an installment title loan is capped at four payments, a single-payment loan can be renewed no more than three times, and each renewal or installment must reduce the principal by at least 25% – so the balance has to come down rather than just rolling over. Because Montana Capital operates as a licensed Credit Access Business under Texas Finance Code Chapter 393, ask to see the OCCC disclosure showing the CAB fee, interest, and total cost before you sign.

You can start the application online from anywhere in Austin, and your part of town has no bearing on the offer. The terms are set by your vehicle’s appraisal, Texas law, and Austin’s local ordinance, so the only thing an in-person step would add is the vehicle inspection, which we schedule to suit you and can often handle with photos instead.

 Gig and contract work is common here and counts fully toward the ability-to-repay review; it just documents differently than a salaried paycheck. Bring 60 to 90 days of bank statements showing deposits, plus 1099s or platform earnings summaries and prior-year tax returns. Because that income rises and falls, borrow against a realistic monthly average rather than a strong week, and keep in mind Austin’s ordinance caps the loan at a share of your income, so what you can document directly shapes your maximum. 

Yes. Recent Austin loans include a late-model Kawasaki Ninja sportbike, so motorcycles can qualify. The essentials are a clear, lien-free title in your name and a bike with verifiable resale value; the appraisal depends on make, model, year, mileage, condition, and the current resale market, and a motorcycle is typically expected to be insured during the loan.

Using a recreational motorcycle rather than your daily car as collateral keeps your main transportation out of the arrangement if money gets tight. Bring the title, registration, and details for a quote. Because this is a Credit Access Business transaction, review the OCCC disclosure of the CAB fee, interest, and total cost, and confirm the amount fits Austin’s income-and-value limits before you sign.