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 Richardson
We’re located in Richardson, near Broward Meditation and Islamic Association of North Texas (IANT Masjid), with Little Steps Montessori School of Richardson also nearby. Look for us at 980 N Coit Rd.
Yes, you can get a title loan in Richardson with bad credit. Texas title loans under Chapter 393 are specifically designed for borrowers with poor or limited credit. Approval is based primarily on your vehicle’s value and your ability to repay, not your credit score. A low score alone does not disqualify you.
Same-day funding is common in Richardson. Once approved and paperwork is signed, funds are often available the same business day. Preparing your title, ID, and proof of income in advance before you apply is the single biggest factor in getting a fast decision.
