Title Loan Statistics in Houston, TX
$2,236
Average Title Loan in Houston
$5,525
Average Vehicle Value
31
Loans Funded Since 2025
40.5%
Average Loan-to-Value
Based on 31 title loans funded since January 2025
Most Common Vehicles for Title Loans in Houston, TX
| Vehicle Make | Avg. Year | Avg. Mileage | # of Loans |
|---|---|---|---|
| Chevrolet | 2013 | 226,917 mi | 6 |
| Toyota | 2012 | 164,397 mi | 6 |
| Ford | 2007 | 175,343 mi | 3 |
| Nissan | 2016 | 160,487 mi | 3 |
| Buick | 2013 | 169,408 mi | 2 |
Recent Title Loans Funded in Houston, TX
The table below shows actual title loans funded in Houston, TX. Amounts vary based on each vehicle’s make, model, year, and condition.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2013 | Honda | Civic | 145,000 | $365 |
| 2012 | Kia | Optima | 219,600 | $600 |
| 2016 | Nissan | Rogue | 150,000 | $1,400 |
| 2011 | Hyundai | Accent | 152,000 | $655 |
| 2012 | Chevrolet | Impala | 215,000 | $250 |
| 2015 | Toyota | 4Runner | 261,260 | $2,110 |
| 2013 | Nissan | Altima | 139,784 | $395 |
Frequently Asked Questions About Title Loans in Houston, TX
The loan continues regardless of flooding, so the protection that matters is comprehensive auto coverage, which generally covers flood and storm damage; a home flood policy does not cover your vehicle. In a city with Houston’s bayou flooding and hurricane history, confirming comprehensive coverage and a deductible you could manage is worth doing before a storm rather than after.
If the vehicle is totaled, the insurance settlement generally goes first to us as lienholder up to the balance, with any remainder to you. If a flood disrupts your income, contact us before a payment is missed, since a Credit Access Business loan still accrues fees and we can repossess after default. An early conversation is the best way to protect both your budget and your car.
Because the appraisal is about resale value and condition, not the badge. Recent Houston loans include a luxury European model that funded at a modest amount, which reflects how steeply some premium vehicles depreciate and how costly they can be to recondition for resale. A higher sticker price when new does not guarantee a higher appraisal years later.
On top of that, your loan is bound by Houston’s ordinance, which caps it at the lesser of 3% of gross annual income or 70% of the vehicle’s value, and by your documented ability to repay. So the realistic figure comes from the written appraisal and your income, not the brand. Review the OCCC disclosure of the CAB fee, interest, and total cost before signing.
All of it counts toward the ability-to-repay review; it just needs documentation that reflects a realistic monthly figure. For salaried or hourly energy, hospital, and port work, bring 60 to 90 days of pay stubs showing base pay plus any shift differentials and overtime, along with recent bank statements. If you contract or work rotations, add 1099s and prior-year tax returns.
Because overtime and contract schedules vary, borrow against a sustainable monthly average rather than a peak, and remember Houston’s ordinance ties your maximum to a share of income as well as vehicle value. The Credit Access Business must provide the OCCC disclosure of the CAB fee, interest rate, and total cost in writing – review it and confirm the payment fits your budget before signing.
