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 Northside / Northline
We’re located in the Northside / Northline area of Houston, near Culinary Institute Lenotre and Houston Piano Company, with Mud also nearby. Look for us at 445 W Little York Rd h.
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.
To apply for a car title loan in Houston, you will need:
• Your car title in your name (paid off or nearly paid off)
• A government-issued photo ID
• Proof of income
• Proof of Texas residency
• Your Social Security number
Good credit is not required. Approval is based primarily on your vehicle’s value and your ability to repay.
