Title Loan Data for Fort Worth, TX
$1,896
Average Loan Amount
$133–$17,500
Loan Range
2009
Average Vehicle Year
68
Loans Funded
Based on 68 loans in Fort Worth 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 Fort Worth, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2008 | Cadillac | CTS | 180,000 | $300 |
| 2020 | Ford | F450SD | 175,000 | $25,000 |
| 2007 | Chevrolet | Suburban | 155,055 | $3,000 |
| 2008 | Ford | Expedition | 198,000 | $1,033 |
| 2019 | Ford | Fiesta | 130,000 | $2,730 |
| 2013 | Chevrolet | Malibu | 166,221 | $2,250 |
| 2018 | Nissan | Versa | 113,000 | $1,900 |
| 1995 | Ford | F150 | 196,000 | $500 |
| 1989 | Ford | Mustang GT Convertible | 54,000 | $7,000 |
| 2008 | Ford | Edge | 199,926 | $2,350 |
Average Title Loan by Most Common Vehicles in Fort Worth, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $2,708 | $1,600 | 14 |
| Nissan | $3,183 | $1,604 | 11 |
| Chevrolet | $4,166 | $3,360 | 11 |
| Hyundai | $1,900 | $1,460 | 5 |
| Toyota | $6,970 | $1,350 | 5 |
Based on 68 loans in Fort Worth 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? Fort Worth by the Numbers
What Fort Worth Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 68 borrowers in Fort Worth from 2024–2025.
Unemployment Rate in Fort Worth, Texas
4.8% of Fort Worth 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 Fort Worth, Texas
The median household income in Fort Worth is $79,507. About 13.1% 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 Fort Worth, TX Residents
The total cost of a Texas title loan includes the lender’s interest, capped at 10% per year, plus a separate service fee with no state cap. Most borrowers pay around 0 to 5 per $100 borrowed per month. On a $1,000 loan, that typically means $200 to $250 in fees for a 30-day term. Your lender must provide a written disclosure before you sign showing your exact APR and total repayment amount. Review all terms carefully before committing.
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.
The amount you can borrow depends primarily on your vehicle’s current market value. In Fort Worth, most borrowers qualify for up to 50% of what their car is worth. Your ability to repay and the overall evaluation is also considered, but vehicle value is what determines the loan amount more than anything else. Apply online for a free estimate.
A lien-free title is the standard requirement. The lender secures the loan by becoming the recorded lienholder with the TxDMV. That process only works if no prior lien exists or is fully satisfied first. When the loan is paid off, the lender has 10 days to remove their lien, restoring your clean title.
A title loan uses your car as collateral. The loan amount is based on your vehicle’s value and your ability to repay. Most borrowers can access up to 50% of what their car is currently worth. The lender files a lien with the TxDMV while you keep driving the vehicle. The maximum total term in Texas, including any renewals, is 180 days. When the loan is paid off, the lien is released.
The requirements for a title loan in Fort Worth are:
Car title in your name
Government-issued photo ID
Proof of income in any form
Proof of Texas address
Social Security number
Your vehicle’s value and ability to repay drive approval, not your credit history.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
