Title Loan Data for Brownsville, TX
$1,016
Average Loan Amount
$100–$3,500
Loan Range
2011
Average Vehicle Year
24
Loans Funded
Based on 24 loans in Brownsville 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 Brownsville, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2008 | Chevrolet | Aveo | 210,000 | $128 |
| 2005 | Dodge | Stratus | 150,406 | $600 |
| 2014 | Chevrolet | Sonic | 178,057 | $528 |
| 2018 | Ford | Escape | 150,000 | $1,000 |
| 2008 | GMC | Yukon | 250,000 | $1,170 |
| 2018 | Audi | Q3 Sport | 75,000 | $100 |
| 2009 | Dodge | Grand Caravan | 205,000 | $300 |
| 2014 | Dodge | Journey | 29,000 | $300 |
| 2016 | Mazda | Mazda3 | 184,000 | $800 |
| 2011 | Cadillac | Escalade | 215,288 | $300 |
Average Title Loan by Most Common Vehicles in Brownsville, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $2,257 | $948 | 7 |
| Dodge | $1,950 | $682 | 4 |
| GMC | $2,263 | $1,092 | 2 |
| Cadillac | $4,488 | $1,350 | 2 |
| Ford | $2,425 | $1,000 | 1 |
Based on 24 loans in Brownsville 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? Brownsville by the Numbers
What Brownsville Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 24 borrowers in Brownsville from 2024–2025.
Unemployment Rate in Brownsville, Texas
6.2% of Brownsville 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 Brownsville, Texas
The median household income in Brownsville is $52,130. About 23.7% 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 Brownsville, TX Residents
In many cases, a physical inspection is not required when applying online. Photo submissions along with your title, ID, and income documents allowing your vehicle’s value to be assessed and your application processed from home.
Yes, you can trust the online application process. The site uses 256-bit SSL encryption to keep your personal and financial data safe. Texas title lenders are licensed and regulated by the OCCC and are subject to state consumer protection rules. Your data is encrypted and protected from submission through to funding.
Yes, Texas allows car title loans under Chapter 393 of the Texas Finance Code. Lenders must be OCCC-licensed and must give you a written cost comparison before you sign. The total term, including renewals, is capped at 180 days. For questions or complaints, contact the OCCC at (800) 538-1579.
Yes, you can lose your car if payments stop on a title loan. Texas law allows repossession after default with no court order and no required advance notice to the borrower. You must receive at least 10 days notice before the vehicle is sold. If the sale does not cover the full amount owed, including repossession and storage fees, the lender may pursue the remaining deficiency. The best course of action is to contact your lender before missing a payment. Early communication is your best opportunity to find a workable path forward.
The most common disqualifying factors for a title loan in Brownsville are: a title held in someone else’s name, existing liens that eliminate available equity, no proof of any income source, not residing in Texas, or a vehicle too damaged or old to support the requested loan amount.
For most Brownsville applicants, starting online is the faster and more convenient option. You can upload your title, income documents, and vehicle photos and get a decision without scheduling a visit. Phone assistance is available if you have questions during the process.
Yes, same-day decisions are common for title loans in Brownsville. The full process from application to funding typically takes a few hours. To move as fast as possible, have your vehicle title, photo ID, and proof of income ready before you apply.
Title loans typically offer 25% to 50% of your vehicle’s value. Texas does not cap loan amounts. Most borrowers in Brownsville receive between $1,000 and $10,000, depending on vehicle value and income.
