Title Loan Data for Garland, TX
$1,411
Average Loan Amount
$200–$4,400
Loan Range
2011
Average Vehicle Year
21
Loans Funded
Based on 21 loans in Garland 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 Garland, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 1997 | Ford | F150 | 200,000 | $1,033 |
| 1988 | Chevrolet | Celebrity | 126,000 | $383 |
| 2011 | Nissan | Altima | 188,000 | $379 |
| 2009 | Toyota | Camry | 200,000 | $1,763 |
| 2008 | Ford | Taurus | 202,269 | $270 |
| 2013 | Dodge | Grand Caravan | 100,000 | $383 |
| 2007 | Chevrolet | Silverado 1500 | 200,000 | $3,520 |
| 2013 | Nissan | Rogue | 184,174 | $420 |
| 2011 | Toyota | Corolla | 220,000 | $2,133 |
| 2015 | Jeep | Compass | 168,000 | $520 |
Average Title Loan by Most Common Vehicles in Garland, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,741 | $2,088 | 4 |
| Dodge | $5,425 | $1,355 | 3 |
| Ford | $1,267 | $608 | 3 |
| Jeep | $3,067 | $1,818 | 3 |
| Toyota | $3,742 | $1,365 | 3 |
Based on 21 loans in Garland 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? Garland by the Numbers
What Garland Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 21 borrowers in Garland from 2024–2025.
Unemployment Rate in Garland, Texas
4.8% of Garland 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 Garland, Texas
The median household income in Garland is $76,320. About 13.0% 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 Garland, TX Residents
Since your car is the collateral, falling behind on payments can lead to losing your vehicle quickly. Texas law permits repossession after a missed payment with no court order and no required advance notice. After repossession, you must receive at least 10 days notice before the vehicle is sold. If you still owe money after the sale, the lender may pursue the remaining balance.
If you see a missed payment coming, call your lender ahead of time. Proactive communication is the best way to explore alternatives before the situation escalates.
Yes, you keep driving your car throughout the loan. The lender records a lien with the Texas Department of Motor Vehicles (TxDMV) but does not take physical possession of your vehicle. You retain full use of your car for the entire repayment period. Your keys and your car stay with you.
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.
A physical inspection is generally not required when applying online. You can submit photos of your vehicle along with your documents and get an appraisal remotely. This allows residents across Garland to complete the process without leaving the house.
Yes, applying online is safe. Our website uses 256-bit SSL encryption to protect all personal and financial information you submit. Texas title lenders are regulated by the Office of Consumer Credit Commissioner (OCCC) under Chapter 393 of the Texas Finance Code, meaning licensed CABs must follow state consumer protection standards. Your information is never shared without your consent.
Yes, car title loans are legal in Texas. They are regulated under Chapter 393 of the Texas Finance Code and overseen by the Texas Office of Consumer Credit Commissioner (OCCC). Lenders must be licensed by the OCCC. Before you sign, you must receive a written cost comparison disclosure. The maximum total loan term, including renewals, is 180 days.
Defaulting on a Texas title loan can result in losing your car quickly. Texas law allows the lender to repossess your vehicle after a missed payment, with no court order required and no advance notice to you before repossession. Once repossessed, you must receive at least 10 days notice before the vehicle is sold. The sale proceeds go toward your balance, but you may still owe a deficiency if the sale does not cover what you owe, including repossession and storage costs.
If you anticipate difficulty making payments, contact your lender before you miss one. Early communication gives you the best chance of finding an alternative.
