Title Loan Data for Frisco, TX
$3,697
Average Loan Amount
$402–$10,333
Loan Range
2010
Average Vehicle Year
9
Loans Funded
Based on 9 loans in Frisco 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 Frisco, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | Honda | Accord | 84,376 | $10,333 |
| 2012 | Nissan | Rogue | 86,000 | $3,000 |
| 2019 | Ford | F250SD | 200,000 | $4,469 |
| 2000 | Toyota | Land Cruiser | 220,000 | $2,500 |
| 1999 | BMW | 7-Series | 100,000 | $5,683 |
| 2013 | Toyota | Camry | 206,000 | $933 |
| 2006 | Chevrolet | HHR | 204,040 | $402 |
| 2007 | GMC | Yukon XL | 224,000 | $2,000 |
| 2013 | Volkswagen | Passat | 153,554 | $3,950 |
| 2012 | Nissan | Pathfinder | 242,000 | $2,233 |
Average Title Loan by Most Common Vehicles in Frisco, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Toyota | $3,788 | $1,717 | 2 |
| Chevrolet | $425 | $402 | 1 |
| Ford | $26,625 | $4,469 | 1 |
| GMC | $3,700 | $2,000 | 1 |
| Honda | $12,525 | $10,333 | 1 |
Based on 9 loans in Frisco 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? Frisco by the Numbers
What Frisco Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 9 borrowers in Frisco from 2024–2025.
Unemployment Rate in Frisco, Texas
4.6% of Frisco 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 Frisco, Texas
The median household income in Frisco is $150,212. About 3.6% 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 Frisco, TX Residents
In Frisco, TX, your car can be repossessed once you default, with no advance warning required. You must be notified before the vehicle is sold. Any surplus from the sale is returned to you.
Many sources of income count beyond traditional employment. In Frisco, title loan applicants can qualify using Social Security, disability payments, retirement income, self-employment earnings, or other regular income. Your vehicle’s value combined with any verifiable income stream is what matters for approval.
Vehicle condition is one of the main factors in determining your loan amount. In Frisco, current market valuation guides are used, considering year, make, model, mileage, and mechanical and body condition. Your ability to repay is evaluated alongside the vehicle’s value. Better condition generally means more borrowing power.
There are no restrictions on how you use your title loan funds in Frisco. Borrowers commonly use them for emergency expenses such as medical costs, home repairs, or overdue bills. Because Texas title loan costs can be significant, they are most appropriate for genuine short-term emergencies.
Texas title loans cost more than most conventional loans. There is no cap on the fees lenders can charge, and the total effective APR can far exceed the rates charged by banks or credit unions. Texas law requires a written disclosure comparing your loan’s cost to other products before you sign. Understanding the total repayment amount is essential before agreeing to any title loan.
In many cases, the entire title loan process can be completed online. Submit your title information, proof of income, photo ID, and vehicle photos through a secure online application. Most borrowers complete everything without an in-person visit.
A lost Texas title needs to be replaced before a title loan can move forward. Submit Form VTR-34 at a TxDMV Regional Service Center along with your government-issued photo ID and the applicable fee. Visit txdmv.gov for office locations and current fee information. Submitting in person is generally faster than mailing.
Yes, you can get a title loan in Frisco with bad credit. Texas title loans under Chapter 393 are specifically designed for borrowers with poor or limited credit. Approval is based primarily on your vehicle’s value and your ability to repay, not your credit score. A low score alone does not disqualify you.
