Title Loan Activity in the 78702 Area
5
Loans Funded
$1,433
Average Loan Amount
2010
Average Vehicle Year
Recent Loans Near 1146 1/2 Airport Blvd
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2004 | Ford | Expedition | 140,000 | $533 |
| 2013 | Honda | Civic | 154,000 | $533 |
| 2009 | Nissan | Altima | 84,994 | $1,033 |
| 2018 | Nissan | Altima | 168,300 | $2,533 |
| 2006 | Nissan | Titan | 92,749 | $2,533 |
Actual loan amounts vary based on vehicle condition, mileage, and state regulations.
Most Common Vehicles
Nissan ($2,033 avg), Ford ($533 avg), Honda ($533 avg)
Know Before You Borrow in Texas
- Interest rate cap: No state cap on CAB fees (typical market rate: $20 per $100 per 30 days = ~243% APR); third-party lender interest capped at 10% per year
- Loan range: $500 to $10,000 (typical)
- Repayment term: Single payment (typically 30 days) or installment (typically 90-180 days)
- Regulated by: Texas Office of Consumer Credit Commissioner (OCCC)
For complete Texas title loan regulations and consumer protections, visit our full Texas guide.
Quick Answers About Title Loans in Austin
Nissan is the most common vehicle among title loan borrowers in the 78702 area, with 3 loans funded. The average loan amount for a Nissan here is $2,033, with an average of 115,348 miles on the odometer.
Yes. The average vehicle year among borrowers in the 78702 area is 2010. A 2004 Ford Expedition with 140,000 miles recently qualified for $533 near Austin. Your vehicle’s condition and value matter more than its age.
A title loan may be a better option than a bank loan when you need funds quickly and do not meet traditional bank credit requirements. Bank loans often require good credit scores, detailed financial histories, and longer processing times. Title loans can be approved within hours based primarily on vehicle value and income. Keep in mind that Texas title loans carry significantly higher costs than bank loans, and your car is at risk if you default.
Texas does not cap the fees a title lender can charge. In practice, most Texas title loan borrowers pay around 0 to 5 per $100 borrowed, putting the typical APR well above 200% depending on the loan term. On a $1,000 loan with a 30-day term, that works out to roughly $200 to $250 in fees and interest. Before you sign, Texas law requires a written cost comparison showing the full APR and total repayment amount before you sign. Review all terms carefully before agreeing.
