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Title loans in Texas

Title loans for bad credit in Texas

Title loans are allowed in Texas from state-licensed lenders (Credit Access Business license/registration). Here are the limits Texas law sets, what a typical loan can cost, and where to get free help if you need it.

Check your options

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Last updated .

Part of the Texas guide

What Texas law allows

Title loans in Texas
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] AllowedNo rate limit in state law No rate limit Not set by statute Not set by statute Credit Access Business license/registration Tex. Fin. Code Chapter 393, Subchapter G, Section 393.601
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Title loans

Rate cap
Same Credit Access Business (CAB) framework as payday loans: a CAB arranges a 'motor vehicle title loan' (a loan secured by an unencumbered motor vehicle title, excluding retail installment sales financing under Chapter 348) made by a third-party lender, and the CAB's own fee is not subject to a statutory interest cap the way a direct lender's would be.
Fees
Same Finance Commission disclosure and next-business-day cancellation rules as payday loans apply.
License
Credit Access Business (CAB) license/registration under Tex. Fin. Code Chapter 393, Subchapter G, OCCC.

Full detail for every loan type: Texas lending laws.

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Rent and jobs in Texas

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Texas
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$1,557FY2026
Unemployment rate[4]4.4%2026-08

Other options in Texas

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Texas.

Other loan types allowed in Texas

See every loan type Texas law allows.

Title loans in nearby states

  • OklahomaAllowedHigh-cost loan Limit depends on loan size
  • New MexicoNot allowed Not allowed
  • LouisianaAllowedHigh-cost loan Limit depends on loan size
  • ArkansasNot allowed Not allowed
  • KansasAllowedNo rate limit in state law No rate limit

Sources

  1. Justia. Tex. Fin. Code Chapter 393, Subchapter G. Retrieved September 23, 2026.
  2. occc.texas.gov. Texas Office of Consumer Credit Commissioner (OCCC). Retrieved September 23, 2026.
  3. National Low Income Housing Coalition. Out of Reach 2026: Texas. Retrieved September 23, 2026.
  4. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Texas. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Texas? Contact the Texas Office of Consumer Credit Commissioner (OCCC) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.