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 Galveston
We’re located in Galveston, near Seibel Student Services Center (SSSC) and Childrens Coalition, with A is for Apple Childcare & Learning Center also nearby. Look for us at 6228 Broadway St.
Title loan proceeds can be applied to any expense. Many borrowers use them to cover urgent medical costs, repair bills, or other unexpected financial needs. Given that Texas title loans carry higher costs than conventional financing, these funds are best used for genuine emergencies where faster or cheaper options are not available.
Title loans are legal and regulated in Texas under Chapter 393 of the Texas Finance Code. Lenders must be licensed by the OCCC, provide a written cost comparison disclosure before signing, and keep the total loan term, including renewals, within 180 days.
