Title Loan Data for Denton, TX
$1,862
Average Loan Amount
$200–$4,000
Loan Range
2010
Average Vehicle Year
13
Loans Funded
Based on 13 loans in Denton 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 Denton, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | Chevrolet | Trax | 112,000 | $3,983 |
| 2002 | Ford | F250SD | 230,000 | $2,400 |
| 2013 | Kia | Sorento | 82,387 | $1,500 |
| 2022 | Dodge | Charger | 210,000 | $4,000 |
| 2009 | Buick | Enclave | 192,000 | $1,600 |
| 2014 | BMW | X5 | 122,995 | $1,400 |
| 2003 | Honda | ST1300A ABS | 40,000 | $200 |
| 2000 | Toyota | Avalon | 145,000 | $1,050 |
| 2007 | Cadillac | Escalade | 275,000 | $775 |
| 1997 | Honda | Civic | 231,000 | $300 |
Average Title Loan by Most Common Vehicles in Denton, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Kia | $6,050 | $1,750 | 2 |
| Cadillac | $4,219 | $1,388 | 2 |
| Honda | $1,313 | $250 | 2 |
| Dodge | $14,450 | $4,000 | 1 |
| Ford | $3,200 | $2,400 | 1 |
Based on 13 loans in Denton 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? Denton by the Numbers
What Denton Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 13 borrowers in Denton from 2024–2025.
Unemployment Rate in Denton, Texas
5.1% of Denton 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 Denton, Texas
The median household income in Denton is $76,019. About 15.8% 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 Denton, TX Residents
After full repayment, the lender has 10 days to release the lien with TxDMV. Electronic liens are cleared automatically once the lender files the release. Paper title releases use Form VTR-266 or a written release on the lender’s letterhead, mailed to you. If the lien is not released within 10 days of payoff, contact the OCCC at (800) 538-1579.
Review your title for any lienholder notation. A clear, lien-free title will show no party listed in the lien section. For confirmation, check directly with TxDMV at txdmv.gov or contact your previous lender for a written lien release using Form VTR-266.
Age and mileage do reduce a vehicle’s assessed market value, but older or high-mileage cars may still qualify. Current market value and your ability to repay are evaluated. If your car is in good mechanical and physical condition despite its age or mileage, it may still support a qualifying loan amount.
Yes, your car can be repossessed if you miss even one payment on a Texas title loan. Texas law does not require the lender to go to court or give you advance notice before repossessing the vehicle. After repossession, you must receive at least 10 days notice before the car is sold. If the vehicle sells for less than you owe, including repossession fees and storage, you may still be responsible for the remaining balance.
If you think you may miss a payment, reach out to your lender early. There may be options available before default becomes necessary.
Yes, your car stays in your possession for the entire loan term. A lien is recorded with the TxDMV, but you continue driving normally. You keep your keys and full use of your vehicle while you repay the loan.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
Yes. You keep and drive your car throughout the entire loan term.
In many cases, an in-person inspection is not required. Online title loan applications often use vehicle photos for appraisal instead. You provide clear images of your car, your title, and your documentation, and the application is processed remotely.
