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 Carrollton
Can the vehicle inspection be done remotely for a title loan in Carrollton?
In many cases, a physical inspection is not required when applying online. Photo submissions along with your title, ID, and income documents allowing your vehicle’s value to be assessed and your application processed from home.
Does applying for a title loan require a credit check?
A soft or hard credit inquiry may be run, but a poor credit history is generally not disqualifying. Because the loan is secured by your car’s title, the main concern is your vehicle’s value and your ability to make scheduled payments.
