Car Title Loans in Texas2026 Guide
Car title loans in Texas operate through Credit Access Businesses (CABs) under Texas Finance Code Ch. 393. Learn municipal ordinance rules, fee disclosures, right to cure notices, and surplus equity return rules in 2026.
Legal Status & Regulations
Governing Law
Texas Finance Code Ch. 351
Last Reviewed: April 2026
Law Summary
Texas regulates car title lending through Credit Access Businesses (CABs) under Texas Finance Code Chapters 393 and 351, overseen by the Office of Consumer Credit Commissioner (OCCC). While state law caps base interest rates, CAB credit service fees are uncapped at the state level, though many local municipalities enforce local ordinance restrictions. Lenders must issue full written fee disclosures, provide formal default notices prior to repossession, and return any auction surplus exceeding the balance and reasonable fees.
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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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
Office of Consumer Credit Commissioner