Title Loan Data for Killeen, TX
$1,845
Average Loan Amount
$200–$8,678
Loan Range
2011
Average Vehicle Year
56
Loans Funded
Based on 56 loans in Killeen 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 Killeen, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2012 | Chevrolet | Traverse | 148,500 | $1,278 |
| 2009 | Honda | Pilot | 200,000 | $1,228 |
| 2010 | Ford | Fusion | 62,000 | $1,528 |
| 2004 | GMC | Sierra 1500 | 345,375 | $1,028 |
| 2015 | Jeep | Patriot | 153,602 | $2,500 |
| 2016 | Polaris | Slingshot SL | 51,704 | $2,000 |
| 2010 | Ford | Expedition EL | 252,866 | $3,053 |
| 2007 | Ford | Focus | -235,212 | $328 |
| 2012 | Buick | Enclave | 190,000 | $1,328 |
| 2012 | Chevrolet | Malibu | 97,863 | $1,028 |
Average Title Loan by Most Common Vehicles in Killeen, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,662 | $2,064 | 12 |
| Ford | $4,184 | $1,768 | 8 |
| Honda | $7,504 | $3,467 | 6 |
| Dodge | $3,015 | $1,261 | 5 |
| BMW | $2,708 | $1,185 | 3 |
Based on 56 loans in Killeen 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? Killeen by the Numbers
What Killeen Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 56 borrowers in Killeen from 2024–2025.
Unemployment Rate in Killeen, Texas
9.7% of Killeen 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 Killeen, Texas
The median household income in Killeen is $60,977. About 17.4% 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 Killeen, TX Residents
Preparing all documents upfront is the single biggest factor in speeding up your title loan approval. Have your vehicle title, proof of income, and photo ID ready before you start. In most cases, from application to funding can happen within the same business day.
Title loans typically offer 25% to 50% of your vehicle’s value. Texas does not cap loan amounts. Most borrowers in Killeen receive between $1,000 and $10,000, depending on vehicle value and income.
In Killeen, 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.
Yes, you can get a title loan in Killeen without a traditional job. Income still needs to be verified, but many sources are accepted, such as Social Security, disability, pension, self-employment, and other consistent income sources. Your vehicle’s value and your income together determine eligibility.
Yes, your car’s condition directly affects the loan amount you qualify for in Killeen. Market value is assessed using year, make, model, mileage, and overall condition. Your ability to repay also factors into how much is offered. A well-maintained vehicle in good condition will typically support a higher loan amount than one with significant wear.
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.
Yes, title loans in Texas carry higher costs than bank loans, personal loans, or credit union products. Fees are not capped by state law, and the combined cost can result in a very high effective APR. Texas law requires a cost comparison disclosure before signing. Compare the total cost against all available options before committing, and treat title loans as emergency financing.
You can complete the entire process online or over the phone. Submit your vehicle title details, photo ID, income documents, and vehicle photos through a secure online platform. Funds are typically delivered electronically once approved and documents are finalized.
