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 Pasadena
We’re located in Pasadena, near The Learning Center and Pals Activity Center, with Kids Connect of Pasadena also nearby. Look for us at 4204 Red Bluff Rd #4.
Yes, you can lose your car if you default on a title loan in Pasadena. Texas law allows the lender to repossess 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. The sale proceeds go toward what you owe, but if they fall short of your balance plus repossession costs, the lender may seek the remaining deficiency. Reaching out to your lender before you miss a payment is the most effective way to explore options before default.
Check your title document. If no lienholder is listed, the title is free and clear. You can also verify lien status through the TxDMV at txdmv.gov.
