Quick Cash With Car Title Loans In Austin TX

Car Title Loans 123 has offered access to title loans in Texas for nearly a decade, and we now provide same day cash in Austin for anyone with equity in their vehicle. Borrow up to 70% of your vehicle's title loan value in Austin and you can keep driving your car while the payments are made each month.

There are very few credit requirements with these types of loans, and most customers can apply online or by calling 844-567-5011 and get cash from a local lender in 24 hours or less!

Car Title Loans In Austin - How They Work

Unlike personal loans, a vehicle equity loan gets you cash without worrying about your credit score and recent lending history. Instead, we focus on the collateral from your vehicle, and you should qualify with any newer car that's paid off. Use your vehicle's equity to get much more cash than you would ever expect with a payday loan and have your loan underwritten in hours with Car Title Loans 123. Loan amounts in Austin will start at $2,500 and go up to $25,000 for well-qualified vehicles.

What's The Process For Getting A Car Title Loan In Austin, TX?

The approval process and underwriting with Car Title Loans 123 can be completed entirely online, and you may only need to bring your vehicle in for an inspection as the last step. Choose amongst inspection locations in Travis County or have the lender send an agent to your home or business to check the vehicle. Once approved, you'll sign the loan contract and hand over the car's title, and you could have cash in hand that same day!

In addition to applying online, you can call us at 844-567-5011 to begin the underwriting process over the phone. Would you prefer to apply with a local lender in person? You can meet with Car Title Loans at our Austin office at 9002 Rock Way Drive. We accept applications in person during regular business hours, and there's a decent chance you can get approved and funded within 24 hours!

What Are The Benefits Of Getting An Auto Title Loan In Austin, TX?

There are many benefits of getting an auto title loan in Texas, including:

- No credit check is required. Unlike personal loan companies, secured lenders in Austin aren't concerned with your credit history, and most funding requests are approved that same day. It may take a bit longer if you're looking for a bad credit title loan or trying to get a title loan on a salvage title, but even in these scenarios, the underwriting process is fast and effective.

- Quick and easy underwriting. Do you have a paid off car title? That's the primary qualification required for most Texas title loan companies. A direct lender wants to know you have equity in your car and there's enough security for them if you default on the loan!

Get cash fast, often the same day you apply! The money will hit your bank account within one business day, and sometimes less, if you work with a local lender in Travis County.

- Competitive interest rates. Although car title loans have high finance charges, they are less than payday loans or cash advances.

- Keep your car and drive it while you make payments. There's no sense in handing over the vehicle as collateral. Give your lender the car's title, and keep driving your vehicle.

Car Title Loans In Austin With Bad Credit - Are They Possible?

Yes, these bad credit loans are possible for anyone with equity in their vehicle who is dealing with a poor FICO score. Your credit history is far less important than the value of your vehicle, and that's why you have a good chance of getting approved with a lien-free vehicle as collateral. Here's what you need to ask yourself before you apply with Car Title Loans 123:

Can you afford the monthly payments? We need to know that you can make timely payments on the borrowed loan amount and the assessed interest charges. Expect a monthly payment of at least $200 for a title loan of $3,000, and any title loan lender in Austin will want to verify your income to ensure you can make the payments.

- What's the value of your vehicle? Your vehicle's value determines the loan amount, not your credit score. The lending terms depend on your car or truck's make, model, and year. Most cars manufactured after 2013 will qualify and you should be able to borrow $2,000 or more if your vehicle has less than 150,000 miles.

- Does it make sense to get a title loan if other low interest lending options are available? The interest rate on a bad credit title loan is often more than you'll get from a bank lender in Austin. If you can qualify for a lower personal loan or cash advance from a bank or credit union, then by all means, go with that option instead of using your vehicle as collateral.

Are you willing to risk losing your vehicle if you can't make the payments? Title loans are great for anyone who owns a lien-free vehicle and needs fast cash. These loans allow people to borrow far more than they would get with a personal loan, but they are risky because you put up your car as collateral for a loan. You don't want to be in a situation where you miss a payment and your car gets repossessed! Residents of Austin have civil protections if their vehicle is repossessed, but it's a long process to get your car back and you will still need to repay your lender.

Apply With Car Title Loans 123

Complete our online form to apply for an auto title loan in Austin, or call us at 844-567-5011. We also offer same-day approval for title loans for residents of Cedar Park, Round Rock, and other parts of Texas, so contact us with your equity lending needs.

Car Title Loans 123 can take your application and underwrite your lending quote in minutes. All we need is your vehicle's make, model, and year to get started. Borrow up to 65% of your car's value in Austin, Texas, and you can have cash in hand within 24 hours.