Title Loans FAQ

What is a Title Loan?

If you own your car, a title loan is a fast and easy way to get the money you need. All you need to bring into the store is a clear title, valid government issued ID, and proof of income.

You get cash and your car serves as collateral for the loan.

What is a Clear Car Title?

A free and clear car title means that you and/or a co-owner own your vehicle, with no unsettled loans or judgments against it. This is a requirement to be eligible for a title loan through First Cash.

How Am I Approved?

The title loan process is very simple and the approval process takes only a few minutes!

  1. Bring your free and clear title and your vehicle to the location nearest you.
  2. Bring a valid, government issued ID, and proof of income. A loan amount will be determined based on your needs, income and car value.
  3. Within a few minutes, you walk out with CASH, not a check or some other form of payment.

Does the Loan Come in the Form of a Check or Pre Paid Card?

No. Unlike our competitors, we give you cash. No need to go search for a place to cash an unwanted check or use a fee based pre-paid card.

I Have an Older Car, Will That Affect My Interest Rate?

Not at all. Unlike our competitors, our rates are fixed and do not change based on the age of your car or the loan amount. Whether your loan is $100 or $5,000, the rate is exactly the same.

Is the Amount I Can Borrow Based on My Credit?

No, we do not use your credit ratings when determining the loan amount.

What Do I Need to Bring into the Store?

The following items are required to start the title loan approval process:

  • Clear Car Title to Your Vehicle
  • Your Vehicle (for inspection only)
  • A Government-Issued ID
  • Proof of Income
  • Proof of Residence

What if My Car is in Both My Spouse’s and My Name? Is that a Problem?

No, this just means that you both own the car and both need to be present in store to apply for a loan.

What is the Maximum Loan Offered for a Title Loan?

Loans up to $5,000! The Loan amount is based on your needs plus a combination of your income and the value of your car.

How Long does It Typically Take to Get a Title Loan?

The process typically takes about 30 minutes, but our goal is to get you in and out with the cash you need as quickly as possible.

Can I Refinance a Title Loan?

Yes, the ability to refinance your loan may be subject to state laws, but it is available where applicable. Currently, we are only offering title loans in Texas and refinancing is available.

Certain restrictions may apply.

See your local First Cash Pawn or First Cash Advance for details.

How Do I Refinance a Title Loan?

If applicable, you may refinance a loan by paying the interest and fees. Your new loan will then pay off the previous loan, which will then be due on your next pay date.

All loans offered in the state of Texas are provided by a third-party lender

What is a Title Loan?

If you own your car, a title loan is a fast and easy way to get the money you need. All you need to bring into the store is a clear title, valid government issued ID, and proof of income.

You get cash and your car serves as collateral for the loan.

What is a Clear Car Title?

A free and clear car title means that you and/or a co-owner own your vehicle, with no unsettled loans or judgments against it. This is a requirement to be eligible for a title loan through First Cash.

How Am I Approved?

The title loan process is very simple and the approval process takes only a few minutes!

  1. Bring your free and clear title and your vehicle to the location nearest you.
  2. Bring a valid, government issued ID, and proof of income. A loan amount will be determined based on your needs, income and car value.
  3. Within a few minutes, you walk out with CASH, not a check or some other form of payment.

Does the Loan Come in the Form of a Check or Pre Paid Card?

No. Unlike our competitors, we give you cash. No need to go search for a place to cash an unwanted check or use a fee based pre-paid card.

I Have an Older Car, Will That Affect My Interest Rate?

Not at all. Unlike our competitors, our rates are fixed and do not change based on the age of your car or the loan amount. Whether your loan is $100 or $5,000, the rate is exactly the same.

Is the Amount I Can Borrow Based on My Credit?

No, we do not use your credit ratings when determining the loan amount.

What Do I Need to Bring into the Store?

The following items are required to start the title loan approval process:

  • Clear Car Title to Your Vehicle
  • Your Vehicle (for inspection only)
  • A Government-Issued ID
  • Proof of Income
  • Proof of Residence

What if My Car is in Both My Spouse’s and My Name? Is that a Problem?

No, this just means that you both own the car and both need to be present in store to apply for a loan.

What is the Maximum Loan Offered for a Title Loan?

Loans up to $5,000! The Loan amount is based on your needs plus a combination of your income and the value of your car.

How Long does It Typically Take to Get a Title Loan?

The process typically takes about 30 minutes, but our goal is to get you in and out with the cash you need as quickly as possible.

Can I Refinance a Title Loan?

Yes, the ability to refinance your loan may be subject to state laws, but it is available where applicable. Currently, we are only offering title loans in Texas and refinancing is available.

Certain restrictions may apply.

See your local First Cash Pawn or First Cash Advance for details.

How Do I Refinance a Title Loan?

If applicable, you may refinance a loan by paying the interest and fees. Your new loan will then pay off the previous loan, which will then be due on your next pay date.

All loans offered in the state of Texas are provided by a third-party lender