Title Loan Data for Pasadena, TX
$3,233
Average Loan Amount
$1,633–$6,383
Loan Range
2012
Average Vehicle Year
4
Loans Funded
Based on 4 loans in Pasadena 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 Pasadena, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2005 | Lincoln | Town Car | 1,544,469 | $1,200 |
| 2018 | Chevrolet | Silverado 1500 | 88,000 | $3,033 |
| 2015 | Ford | Escape | 188,000 | $1,633 |
| 2006 | Dodge | Magnum | 213,698 | $1,883 |
| 2010 | Chevrolet | Tahoe | 286,000 | $6,383 |
| 2008 | Honda | Accord | 324,000 | $2,105 |
Average Title Loan by Most Common Vehicles in Pasadena, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $9,657 | $4,708 | 2 |
| Dodge | $1,925 | $1,883 | 1 |
| Ford | $1,738 | $1,633 | 1 |
Based on 4 loans in Pasadena 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? Pasadena by the Numbers
What Pasadena Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 4 borrowers in Pasadena from 2024–2025.
Unemployment Rate in Pasadena, Texas
8.6% of Pasadena 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 Pasadena, Texas
The median household income in Pasadena is $64,927. 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 Pasadena, TX Residents
Yes, a clear title is typically required for a title loan. When you take out the loan, the lender adds their name as lienholder in the TxDMV records. This cannot be done if another active lien already exists unless it is paid off first. After you repay the loan, the lender files a release and the title reverts to you free of any lien.
A title loan works by using your car’s value as the basis for borrowing. Your vehicle secures the loan, and you can typically borrow up to 50% of its current market value, based on your vehicle’s value and your ability to repay. In Texas, the lender records a lien with the TxDMV while you keep the car and continue driving. The maximum repayment term, including renewals, is 180 days. The lien is released when the loan is paid in full.
To apply for a car title loan in Pasadena, 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.
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.
A credit check may occur, but it is not the deciding factor. Title loans are secured by your vehicle, so approval is based on your car’s market value and income over credit history. A low score does not automatically disqualify your application.
A title loan may be a better option than a bank loan when you need funds quickly and do not meet traditional bank credit requirements. Bank loans often require good credit scores, detailed financial histories, and longer processing times. Title loans can be approved within hours based primarily on vehicle value and income. Keep in mind that Texas title loans carry significantly higher costs than bank loans, and your car is at risk if you default.
Once you pay off your loan in full, the lender has 10 days to release the lien on your title. For electronic liens, TxDMV updates your title record once the lender files the release. For paper titles, the lender mails you the signed release using Form VTR-266 or on their letterhead. Visit txdmv.gov if you have any issues.
