Car Title Loans in Texas2026 Guide
Texas is a major market for title loans using the CAB model.
Legal Status & Regulations
Governing Law
Texas Finance Code Ch. 351
Last Reviewed: April 2026
Law Summary
Texas title loans are often structured through "Credit Access Businesses" (CABs) under Texas Finance Code Ch. 393. While the state does not cap the fees CABs can charge for arranging the loan, the underlying interest rate is capped. This model often results in high effective APRs, but requires clear disclosures and local ordinance compliance in some cities. Texas law also requires that lenders provide a notice of default and a right to cure before repossession can occur. If a vehicle is repossessed, the lender must follow strict procedures for the sale and provide a detailed accounting to the borrower. Any surplus from the sale must be returned to the borrower after the debt and reasonable repossession costs are satisfied.
Real Rate Example in Texas
A $1,500 loan in Texas at a typical market rate of No cap APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
Office of Consumer Credit Commissioner