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 Houston
Do I have to fully own my vehicle to get a title loan in Houston?
Title loans require a lien-free or nearly lien-free title because the lender needs to record a first-position lien with the TxDMV. This lien secures the lender’s interest during the loan. Once the loan is fully repaid, the lender is required to release the lien within 10 days and your title is returned clear.
Do I need the physical car title to apply for a title loan in Houston?
You will need to obtain a replacement Texas title before the loan can proceed. To get a certified copy, submit Form VTR-34 (Application for a Certified Copy of Title) to a TxDMV Regional Service Center along with the required fee and government-issued photo ID. You can find the form and Regional Service Center locations at txdmv.gov.
