Apply with Premier Title Loans to borrow $2,000 or more with a car title loan in Corpus Christi Texas


Have you been turned down by personal loan lender in Corpus Christi because of poor credit? At Premier Title Loans, we can get you approved for a car title loan that doesn't rely on your credit score. Borrow up to $25,000 and use your car's equity as collateral for a loan!

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    Title Loans in Corpus Christi, Texas

    Premier Title Loans now offers access to car title loans in Corpus Christi and you can be approved in minutes with proof of income and a valid title to your vehicle. Title loans use your vehicle’s title as collateral, and this funding option lets you leverage your car, truck, or motorcycle’s equity and get cash quickly. A title loan is typically only recommended for urgent financial needs, and you can expect to repay your loan in 12 to 48 months.

    The breakdown below will provide an overview of what you can expect when trying to get a title loan in Corpus Christi, Texas. Corpus Christi is a city on the coast in Texas, with many options in terms of lenders and competitive loan terms. We’ll also touch on the requirements for a title loan, the estimated loan amount, and the process of applying with Premier Title Loans.


    How Title Loans Work In Corpus Christi

    When you take out a title loan, you transfer your vehicle title to the lender. In exchange, the lender gives you cash. You can still keep using your vehicle while you repay your loan. If you default and don’t repay the loan as agreed, the lender can repossess your car. Loan amounts for title loans in Corpus Christi range from $1,000 to $20,000 and you may be able to borrow up to 60% of your vehicle’s resale value.


    Benefits of a car title loan in Corpus Christi include:

    • You get access to money quickly. Most companies can have funds sent by direct deposit to your bank account in 24 hours or less. Others may offer cash in hand at retail locations in Corpus Christi.
    • No credit check is required. Bad credit title loans are possible because your car’s equity is used as collateral for a loan, not your FICO score.
    • Continued use of your vehicle. You’re not getting a loan from a pawn shop! The title secures this loan to your vehicle. Sign over the car’s pink slip and you’re good to go.


    There are some risks to be aware of, too, including:

    • The interest rates and fees tend to be high. Car title loans in Texas are designed for situations when you can’t get a traditional loan. Because these are emergency loans not based on your credit score, you can expect an interest rate of 30% or more.
    • The risk of repossession. If you miss a payment, your vehicle can be repossessed with little warning. You still have time to get the vehicle back after it’s been repossessed, but even in this case, there are costly fees and other charges to get the car back.
    • Your repayment terms are entirely up to you. You can repay your loan in 12 to 48 months or pay down the balance at any time with no early payment penalty.


    The Harbor Bridge In Corpus Christi Texas


    Are Title Loans Allowed in Corpus Christi?

    Corpus Christi and Texas title loan laws aren’t as strict as in many states.

    • Interest rate caps: Texas doesn’t cap or limit the interest rate a lender can charge. Other states like New Mexico and Arizona have capped title loan interest rates, often around 36% APR.
    • Term limits: In Texas, a title loan usually includes a brief repayment period of 15 to 30 days. Loans can be rolled over, though, but only if you agree to pay additional interest and fees. In states like Virginia, loan terms are limited to a 12-month maximum.
    • Licensing: One area where Texas does have regulations for title loans is licensing. Title loan lenders have to be licensed by an organization that ensures they follow regulations and state laws. In some states, title loans have been banned altogether.
    • Consumer protection: You have some rights as a borrower in Corpus Christi, including the right to a clear loan agreement. You also have the option to cancel the loan within one business day without facing a penalty. States like Colorado have much more extensive protections, including mandatory repayment plans if a borrower defaults.
    • Repossession: If you borrow money through a title loan in Texas, be aware the lender can repossess your vehicle, but they have to provide you notice and follow some specific procedures.
    • Transparency: Under Texas law, a title loan lender has to provide you as a borrower with detailed, clear information about interest rates, the terms of the loan and repayment schedules.

    Corpus Christi title loans do afford you some consumer protections, but fewer than many other states.


    Finding a Lender in Corpus Christi

    If you’re searching for a title loan in Corpus Christi, options include:

    • A traditional title loan company.
    • An online title loan lender.
    • Less commonly a credit union offering title loans.

    If you do some research, you can find a reputable lender in your neighborhood. Examples of things to look for in a lender include positive reviews, transparency in terms and good customer service. At Premier Title Loans, we offer access to title loans in Corpus Christi and there’s a good chance we’ll get you multiple quotes from neighborhood lenders in Texas.

    Don’t take the first loan you’re offered. Instead, focus on interest rates, fees, and repayment periods and compare offers from multiple lenders. This will help you find the best terms because a lower interest rate and more favorable terms overall will save you money over the long term.


    Corpus Christi Title Loan Application Process 

    If you’ve done your research and you’re ready to apply for a Corpus Christi title loan, the following are the steps you’ll likely go through:

    • Gather all the necessary documents, including your vehicle title and registration. You’ll also need an ID, proof of address, and proof of income.
    • Complete the application form, whether online or in person. You can also do it over the phone by calling Premier Title Loans at 800-250-6279.
    • The lender will inspect your vehicle, and this is how they determine the value.
    • Once you receive a loan offer, review it carefully, focusing on the interest rate, fees, and repayment terms.
    • If you agree with the terms, you can sign the loan agreement.
    • You’ll usually get your funding within one business day through direct deposit or ACH.

    Once you’ve gotten the loan, plan to repay it in a shorter period than the estimated due date. If you have a problem making a payment, communicate with the lender as soon as possible. If you contact them, some title loan lenders in Corpus Christi will work with you with an extension or modified repayment plan.


    Apply With Premier Title Loans In Corpus Christi Texas

    Securing a title loan is relatively simple compared to other types of loans, but you want to ensure you’re prepared and have everything you’ll need. You want to understand your vehicle’s value, which determines your loan amount. You can use an online tool like Kelley Blue Book to understand your vehicle’s market value.

    Factors that influence your loan amount can include:

    • Lenders may do an appraisal to accurately determine your car’s value because, as mentioned, this is the main determinant of your loan amount.
    • Lenders often offer a percentage of the market value of a vehicle, known as the loan-to-value ratio. This can range from 25-50%, but some lenders may offer up to 80%.
    • Each lender will have their minimum and maximum loan amount. Minimum amounts may be as low as $100, with maximum amounts going up to $10,000.
    • Lenders may consider your ability to repay the loan by verifying your income.

    Premier Title Loans is ready to accept your title loan application in Corpus Christi. Apply online or call 800-250-6279 to see your estimated loan amount and repayment terms!


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