Title Loan Data for San Antonio, TX
$1,688
Average Loan Amount
$100–$10,033
Loan Range
2010
Average Vehicle Year
106
Loans Funded
Based on 106 loans in San Antonio 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 San Antonio, TX
Actual loan amounts vary based on vehicle condition, mileage, and Texas regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 1995 | Chevrolet | C/K1500 | 160,000 | $500 |
| 2011 | Mercedes-Benz | C Class | 164,000 | $3,000 |
| 2020 | INFINITI | QX60 | 62,000 | $9,999 |
| 2012 | Acura | RDX | 180,000 | $633 |
| 2017 | Ford | Explorer | 187,000 | $4,133 |
| 2001 | Honda | Accord | 200,000 | $550 |
| 2005 | Ford | F150 | 190,000 | $1,300 |
| 2012 | Honda | CR-V | 170,000 | $6,033 |
| 2022 | Honda | CR-V | 100,000 | $2,000 |
| 2010 | Chevrolet | Malibu | 140,000 | $500 |
Average Title Loan by Most Common Vehicles in San Antonio, TX
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,835 | $1,264 | 18 |
| Ford | $3,058 | $1,798 | 12 |
| Nissan | $3,008 | $2,047 | 12 |
| Dodge | $2,336 | $941 | 8 |
| GMC | $6,629 | $1,644 | 7 |
Based on 106 loans in San Antonio 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? San Antonio by the Numbers
What San Antonio Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Business Operating Capital (Small/Solo) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 106 borrowers in San Antonio from 2024–2025.
Unemployment Rate in San Antonio, Texas
6.2% of San Antonio 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 San Antonio, Texas
The median household income in San Antonio is $65,056. About 17.1% 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 San Antonio, TX Residents
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.
High mileage and age reduce your vehicle’s market value but do not automatically disqualify you. Current condition and market value are assessed alongside your ability to repay. A higher-mileage car in good running condition can still support a title loan, though the available amount will be lower than for a newer vehicle.
Missing a payment puts your car at serious risk. Under Texas law, a lender can repossess your vehicle as soon as you are late on a payment, without a court order and without advance notice. Once repossessed, you will receive at least 10 days notice before the vehicle is sold. The sale proceeds go toward your balance, but you may still owe a deficiency if the sale amount does not cover what you owe, including repossession and storage costs.
If you think you may miss a payment, contact your lender before the due date. Most lenders prefer to find a workable solution rather than pursue repossession.
No, you do not have to give up your car to get a title loan in San Antonio. The lender places a lien on your title through the TxDMV, but you retain full use of the vehicle and keep driving it as normal. Your daily routine is not affected.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
Yes. You keep and drive your car throughout the entire loan term.
For online applications in San Antonio, vehicle photos typically substitute for an in-person inspection. You submit images of your car along with your title and other required documents, and they are reviewed to determine your vehicle’s value and loan eligibility.
Your personal information is protected with 256-bit SSL encryption throughout the online application process. All data submitted, including your title details, ID, and income documents, is transmitted securely. Texas requires title lenders to be licensed and regulated by the OCCC, adding an additional layer of consumer protection. Your information is never shared without your consent.
