Title Loan Data for Arlington, TX
$2,329
Average Loan Amount
$133–$12,000
Loan Range
2011
Average Vehicle Year
38
Loans Funded
Based on 38 loans in Arlington from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Texas regulations.
Actual Title Loans Funded in Arlington, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2013 | Jeep | Grand Cherokee | 207,000 | $783 |
| 2014 | Ford | F350SD | 248,000 | $3,492 |
| 2015 | Scion | FR-S | 89,408 | $7,450 |
| 2014 | Hyundai | Sonata | 161,000 | $2,500 |
| 2008 | Toyota | Camry | 140,000 | $500 |
| 2018 | Kia | Forte | 170,000 | $3,850 |
| 2010 | Honda | Insight | 200,000 | $667 |
| 2017 | Nissan | Rogue | 100,435 | $1,000 |
| 2016 | Maserati | Ghibli | 62,660 | $5,000 |
| 2013 | Hyundai | Santa Fe | 187,000 | $1,215 |
Average Title Loan by Most Common Vehicles in Arlington, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,443 | $3,507 | 5 |
| Kia | $2,381 | $2,813 | 4 |
| Toyota | $3,750 | $900 | 3 |
| Dodge | $6,734 | $1,633 | 3 |
| GMC | $2,563 | $1,875 | 2 |
Based on 38 loans in Arlington from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Texas regulations.
Did You Know? Arlington by the Numbers
What Arlington Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 38 borrowers in Arlington from 2024–2025.
Unemployment Rate in Arlington, Texas
5.7% of Arlington residents are currently unemployed, compared to the Texas state average of 5.3%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Arlington, Texas
The median household income in Arlington is $75,171. About 12.9% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Title Loan Regulations 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 (effective maximum under Texas’s pawn-style cap; statutory interest is capped at 10%/yr with service fees separate)
- 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)
What a Title Loan Costs in Texas
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $500 | 30 days | 243% | $100 | $600 |
| $1,000 | 30 days | 243% | $200 | $1,200 |
| $2,500 | 30 days | 243% | $500 | $3,000 |
Texas does not cap CAB fees. The fee rate above reflects the typical market rate reported to the OCCC and is not a legal maximum. Your actual fee depends on your lender and loan agreement. Always ask your lender for the full APR and total cost before signing.
📖 Governing law: Texas Finance Code Chapter 393
See all Texas title loan rules and consumer protections on our Texas title loans page.
Title Loan Questions for Arlington, TX Residents
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
Credit checks are sometimes run during the application process, but they carry less weight than in traditional lending. Texas title loans are collateral-based under Chapter 393, so vehicle equity and income are the primary approval criteria, not your credit score.
Title loans can be faster and more accessible than bank loans for borrowers with poor or no credit. Traditional banks typically require strong credit profiles and multi-day processing. A title loan decision is based on your car’s value and income, not your credit score, and funds are often available the same day. That said, Texas title loan costs can be significantly higher than bank products, and your vehicle is collateral, so default means losing your car.
After your final payment, the lender must release the lien within 10 days. Electronic liens are removed by TxDMV once the lender files the release. Paper titles come back to you with a signed Form VTR-266 or a written release on the lender’s letterhead. Contact TxDMV at txdmv.gov if the lien is not released on time.
Check your title document. If no lienholder is listed, the title is free and clear. You can also verify lien status through the TxDMV at txdmv.gov.
High mileage and age reduce your vehicle’s market value but do not automatically disqualify you. Current condition and market value are assessed alongside your ability to repay. A higher-mileage car in good running condition can still support a title loan, though the available amount will be lower than for a newer vehicle.
Missing a payment puts your car at serious risk. Under Texas law, a lender can repossess your vehicle as soon as you are late on a payment, without a court order and without advance notice. Once repossessed, you will receive at least 10 days notice before the vehicle is sold. The sale proceeds go toward your balance, but you may still owe a deficiency if the sale amount does not cover what you owe, including repossession and storage costs.
If you think you may miss a payment, contact your lender before the due date. Most lenders prefer to find a workable solution rather than pursue repossession.
No, you do not have to give up your car to get a title loan in Arlington. The lender places a lien on your title through the TxDMV, but you retain full use of the vehicle and keep driving it as normal. Your daily routine is not affected.
