Title Loan Data for Lubbock, TX
$2,175
Average Loan Amount
$278–$7,000
Loan Range
2009
Average Vehicle Year
24
Loans Funded
Based on 24 loans in Lubbock 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 Lubbock, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2005 | Dodge | Ram 1500 | 220,000 | $1,028 |
| 2012 | Nissan | Rogue | 200,000 | $1,275 |
| 1999 | GMC | C/K1500 | 121,479 | $3,950 |
| 2012 | Nissan | Altima | 171,425 | $2,278 |
| 2017 | Hyundai | Sonata | 244,060 | $1,028 |
| 2014 | Jeep | Patriot | 166,000 | $1,028 |
| 2012 | Cadillac | SRX | 75,000 | $5,578 |
| 2006 | Acura | TL | 250,000 | $400 |
| 2008 | Pontiac | G6 | 125,428 | $1,028 |
| 2007 | Chevrolet | Equinox | 258,000 | $400 |
Average Title Loan by Most Common Vehicles in Lubbock, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $2,853 | $2,450 | 4 |
| Ford | $1,608 | $1,259 | 3 |
| GMC | $7,529 | $4,600 | 3 |
| Honda | $2,238 | $1,064 | 2 |
| Hyundai | $4,600 | $850 | 2 |
Based on 24 loans in Lubbock 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? Lubbock by the Numbers
What Lubbock Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 24 borrowers in Lubbock from 2024–2025.
Unemployment Rate in Lubbock, Texas
5.2% of Lubbock 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 Lubbock, Texas
The median household income in Lubbock is $60,895. About 18.9% 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 Lubbock, TX Residents
Bankruptcy history is less of a barrier for title loans than for traditional financing. Vehicle collateral value and current ability to repay matter more than past credit events. If your bankruptcy has been discharged and you have verifiable income, you may still qualify.
What you can borrow in Lubbock depends primarily on your vehicle’s current market value. Most borrowers qualify for up to 50% of what their car is worth. Your ability to repay and the overall assessment also factors in, but vehicle value is what drives the number. Get a free estimate online to see what your vehicle may qualify for.
Title loans require a lien-free or nearly lien-free title because the lender needs to record a first-position lien with the TxDMV. This lien secures the lender’s interest during the loan. Once the loan is fully repaid, the lender is required to release the lien within 10 days and your title is returned clear.
A car title loan lets you borrow money using your vehicle as collateral. Because your car secures the loan, the amount you can borrow is based on your vehicle’s value and your ability to repay, typically up to 50% of its current market value. The lender records a lien with the TxDMV, but you keep driving your car throughout the loan. Once the loan is paid in full, the lien is released. In Texas, the maximum total loan term, including any renewals, is 180 days.
To apply for a title loan in Lubbock, have these documents ready:
Your car title in your name
A government-issued photo ID
Proof of income
Proof of Texas residency
Your Social Security number
Approval is based primarily on your vehicle’s value and your ability to repay. Your credit score is not the deciding factor.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
Credit checks are sometimes run during the application process, but they carry less weight than in traditional lending. Texas title loans are collateral-based under Chapter 393, so vehicle equity and income are the primary approval criteria, not your credit score.
