Apply for a same day title loan online using the form below or call 800-250-6279 to apply over the phone!


Are you a resident of Houston, TX that's looking to borrow cash using the equity from your vehicle? A car title loan is great for someone who can't qualify for a bank loan and you don't need a good credit score to get approved.

    Apply Online With Premier Title Loans

    By checking this box I agree to the Privacy Policy,Terms and Conditions and SMS Policy.

    Online title loans are a type of short-term loan where you borrow money against your car’s resale value. These loans are popular in Houston as many people own vehicles outright and they can use that collateral as security for a loan.

    The amount you can borrow in Houston depends on your car’s value but typically ranges from $2,000 to $10,000 in Texas. You won’t need good credit for this type of loan as most companies won’t run a traditional credit check and you should be able to qualify and get your funds within 24 hours or less!


    What Are The Requirements For Title Loans In Houston, TX?


    – You must be 18 years or older with a valid ID.

    – You must own your car outright and possess the vehicle and pink slip. The vehicle needs to be owned free and clear and there can’t be any cosigners associated with the title.

    – Your car needs to be registered within the State of Texas and it has to be insured for the full replacement value.

    – You need to show enough income to justify the amount borrowed and subsequent monthly payment. Most title loan companies in Houston will allow monthly pay stubs or bank statements as proof of income.

    As long as you meet these requirements, you should be able to get a car title loan from most lenders in Houston. Again, an essential requirement with lenders is always the car title. Unlike unsecured loans, this is what’s used as collateral for the amount you borrow, and it will be nearly impossible to get a car title loan without the pink slip.


    Customer driving her car in the Woodlands section of Houston TX.


    How Much Money Can I Borrow With A Title Loan From Premier?

    Loans amounts in Houston depend on your vehicle value and monthly income. For those with a vehicle value of $3,000 or more, you can expect a loan $1,500 or higher. Some companies offer title loans of $5,000 or more, but these require a newer vehicle or one with very low mileage.

    To see how much you could potentially borrow, most lenders have an online car title loan calculator that you can use. You can understand the monthly payment and expected finance charges by getting a loan quote and estimate. These preliminary quotes are always a good starting point but remember that they’re just estimates, and your actual loan amount may vary depending on the lender’s evaluation.


    Interest Rates & Fees For Car Title Loans In Houston?

    The interest rates and fees for car title loans in Houston will vary by lender but are relatively high compared to other short term loan offers. The APR starts at roughly 30% for well-qualified borrowers and go up to 120% for those with bad credit histories or low value vehicles. Other fees can include a loan origination charge, credit authorization fee, and late fee if applicable.


    Auto Title Loan In Houston With Bad Credit?

    Bad credit title loans are possible and in fact, most customers that apply with Premier Title Loans have a poor credit score! We know you’d likely apply for traditional loans like a personal loan or installment loan if you had decent credit. That’s why we don’t require a standard credit check. Your vehicle is the collateral, not your credit history!


    Houston Title Loans – How To Get Started

    When you’re ready to get a car title loan in Houston, TX, the first step is to complete an application online or in person. Some people prefer to apply directly online, and others will only want to meet with a company now. Whichever method you choose, applying for a title loan should be similar. The Premier Title Loans application asks for basic information, like your name, address, and contact information. We also need info about your vehicle and employment info to underwrite the application.

    You’ll hear from one of our customer service representatives after completing the initial application and we’ll start processing your info and documents. After that, you sign the loan documents and get your cash from a licensed company that offers online title loans in Houston!


    Other Cities In Texas


    View of the Houston Skyline.