Title Loan Data for College Station, TX
$2,034
Average Loan Amount
$100–$20,850
Loan Range
2010
Average Vehicle Year
1,498
Loans Funded
Based on 1,498 loans in College Station 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 College Station, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2008 | Hyundai | Santa Fe | 13,567 | $500 |
| 2004 | Honda | Accord | 114,000 | $200 |
| 2019 | Ford | F250SD | 27,000 | $8,000 |
| 2016 | Hyundai | Elantra | 185,000 | $2,433 |
| 2007 | Nissan | Frontier | 220,000 | $2,000 |
| 1984 | Chevrolet | Monte Carlo | 35,000 | $1,033 |
| 2004 | GMC | Sierra 1500 | 185,000 | $728 |
| 2016 | Lexus | IS 200t | 134,000 | $5,900 |
| 2006 | Ford | Taurus | 93,000 | $278 |
| 2012 | Chevrolet | Traverse | 148,500 | $1,278 |
Average Title Loan by Most Common Vehicles in College Station, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $5,084 | $2,142 | 254 |
| Ford | $4,696 | $1,868 | 214 |
| Nissan | $4,206 | $2,052 | 121 |
| Dodge | $4,295 | $1,340 | 104 |
| Toyota | $6,848 | $2,306 | 90 |
Based on 1,498 loans in College Station 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? College Station by the Numbers
What College Station Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 1,498 borrowers in College Station from 2024–2025.
Unemployment Rate in College Station, Texas
5.1% of College Station 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 College Station, Texas
The median household income in College Station is $50,900. About 29.2% 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 College Station, TX Residents
Yes, you can apply with bad credit. Title loans in College Station, TX are designed for borrowers who cannot access traditional bank financing due to poor credit. Approval is based primarily on your vehicle’s market value and your ability to repay, not your credit history.
Yes, you can pay off your title loan early. There is no prepayment penalty on Texas title loans. Paying off your balance before the end of the term reduces the total fees and interest you pay over the life of the loan.
Yes. Title loans often come with high costs. Texas does not cap the fees on title loans. At typical market rates, a $1,000 loan may cost about $200 per month. If you renew the loan, that cost is added again each period. You should treat this as a short-term option and plan to repay it on time.
Example:
If you borrow $1,000 in College Station for 2 months, you could pay about $400 in fees, for a total of $1,400.
No credit check is required for pre-approval or a free estimate. Approval is based primarily on your vehicle’s value and your ability to repay.
No, a pay stub is not required. Proof of income is needed for title loan approval, but it can take many forms. Bank statements, Social Security award letters, disability benefit documents, tax returns, or other evidence of regular income are generally accepted.
Texas does not cap the total cost of a title loan. The lender’s interest rate is capped at 10% per year, but the service fee on top of that is unlimited under state law. In practice, most Texas title loan borrowers pay 0 to 5 per $100 borrowed, which translates to an APR well over 200% on a short-term loan. Your lender must give you a written cost comparison before you sign. Review all terms carefully and make sure you understand the total amount you will repay.
Bankruptcy history is less of a barrier for title loans than for traditional financing. Vehicle collateral value and current ability to repay matter more than past credit events. If your bankruptcy has been discharged and you have verifiable income, you may still qualify.
Your vehicle’s current market value drives the loan amount more than any other factor. Most borrowers qualify for up to 50% of their car’s value. Your ability to repay and other assessment criteria are also considered, but neither carries as much weight as the vehicle itself. Get a free estimate to find out what you qualify for.
