Know Before You Borrow 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
- 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)
For complete Texas title loan regulations and consumer protections, visit our full Texas guide.
Quick Answers About Title Loans in College Station
We’re located in College Station, near Best Rated Voice Piano Lessons College Station and Balcones KinderCare, with Mathnasium also nearby. Look for us at 3534 Longmire Dr d.
A lien-free title is generally required. The way a title loan works is that the lender records a new lien with the TxDMV, which secures their interest during the loan term. If another lienholder is already recorded, the lender cannot take a first-position lien, which is typically required. Once you repay the loan, the lender releases the lien and your title is returned clear.
If you do not have your physical title, you will need a certified copy from TxDMV before a title loan can be finalized. Complete Form VTR-34 (Application for a Certified Copy of Title) and submit it in person or by mail to a TxDMV Regional Service Center. Processing time varies. Visit txdmv.gov for the form, fee schedule, and office locations.
