Title loans in Texas put cash in drivers' hands fast — usually the same day for borrowers in Houston and Dallas. Apply online, keep your vehicle, and walk away with funds against the equity in your car's title.
Most Texas borrowers use them for unexpected bills, repairs, or short-term cash gaps. Pickups and full-size SUVs are the vehicles we fund most often here, and the online application is open every day of the week.
Yes. Every lender must be licensed by the Texas Office of Consumer Credit Commissioner.
Bad credit? You may still qualify.
No traditional job? Social Security, disability, or other verifiable income may count.
$2,054
Average Loan Amount
$300 to $6,273
Typical Loan Range
2010
Avg Vehicle Year
2,988
Loans Funded
Based on 2,988 loans in Texas from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Texas regulations.
Recent funded loans in Texas. Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2011 | Toyota | Camry | 148,000 | $2,000 |
| 2019 | Toyota | Tundra | 119,160 | $2,100 |
| 2010 | Ford | F150 | 199,000 | $2,033 |
| 2018 | Freightliner | Cascadia-Series | 748,120 | $5,000 |
| 2013 | Ford | F150 | 119,000 | $4,078 |
| 2005 | Ford | Excursion | 135,000 | $4,300 |
| 2009 | Mercedes-Benz | S Class | 104,841 | $3,033 |
| 2015 | Chevrolet | Tahoe | 111,000 | $2,000 |
| 2017 | Volvo | VNL-Series | 560,000 | $5,000 |
| 2011 | Chevrolet | G2500 Vans | 200,000 | $2,583 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,602 | $1,980 | 504 |
| Ford | $5,298 | $2,054 | 450 |
| Nissan | $3,866 | $1,802 | 246 |
| Toyota | $7,288 | $2,727 | 200 |
| Dodge | $4,489 | $1,561 | 192 |
Top 5 vehicle makes financed in Texas based on 2,988 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Texas regulations.
Borrowers across Texas tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
| 4 | Groceries and Household Essentials |
| 5 | Income Gap Coverage (Between Jobs) |
| 6 | Legal Fees or Bail Bonds |
| 7 | Property Taxes |
| 8 | Rent or Mortgage Payments |
Based on common use cases reported by Texas borrowers across 2,988 funded loans.
📖 Governing law: Texas Finance Code Chapter 393
Sources: Texas Finance Code Chapter 393; OCCC 2025 Special Report; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
State figures last verified against primary statute text on 9 June 2026; statutes cited are the 2025 edition.
Thinking about a title loan in Texas? See if it's the right choice for you before you apply.
Your car is the collateral, so it can be repossessed if you default. After default, a lender may repossess without advance warning but cannot breach the peace and must give reasonable notice before selling. If the sale brings less than you owe, you may still owe the difference.
Yes. Title loans often come with high costs. Rate cap in Texas: No state cap on the credit access business fee. Our APRs go up to 150% and never exceed the cap set by state law.
Under Texas law, no statutory refinance limit in Tex. Fin. Code ch. 393; refinancing is allowed but its added cost must be disclosed (§§ 393.222, 393.223).
Yes. You can pay off your loan early at any time, and there is no prepayment penalty.
Contact the Texas Office of Consumer Credit Commissioner, which licenses title lenders in Texas. You can also use it to check that a lender is licensed before you sign.
No credit check is needed to pre-qualify. A soft credit check may be required as part of the final approval process. That does not affect your FICO score. Borrowers with bad credit are welcome to apply: we focus mainly on your ability to repay and your vehicle's value and equity, rather than your credit score alone.
Yes. Your car's value sets how much you can borrow, and condition and mileage both affect that value. We usually lend 25% to 50% of your car's value, sometimes more. There is no mileage limit, and salvage or rebuilt titles can qualify with a lower appraisal. A car that doesn't run may still qualify, usually for less.
Yes. The whole process can be done online, with no store visit required, and you keep driving your car while you repay. A GPS device is needed only in some cases, and you are told before you sign.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
Social Media
1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™
2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.
3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.
4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan.
6Approving loans depends on meeting credit criteria and may include offering certain assets as collateral. The actual loan amounts, terms, and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer.
7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges.
8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.
9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.
10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
© 2026 5 Star Car Title Loans. All rights reserved.
