Short answer
You need four things: a clear, lien-free title in your name; government-issued photo ID showing you are 18 or older; proof of income; and your vehicle details. Loan amounts run from a few hundred dollars up to $15,000, set by your vehicle’s Black Book value and your ability to repay. No credit check is involved, so your score does not affect either eligibility or amount.
The Four Requirements
1. A clear, lien-free vehicle title in your name
The vehicle must be paid off with no active lien, and the name on the title must match your ID. If two names appear, both owners may need to sign. This is the requirement that most often blocks an application.
2. Government-issued photo ID
Texas driver licence, state ID card or passport, showing you are 18 or over.
3. Proof of income
A traditional job is not required. Accepted sources include employment, self-employment, Social Security, SSI, SSDI, disability, workers’ compensation, pension or retirement income, unemployment benefits, child support and alimony. Bank statements showing regular deposits also work.
4. Your vehicle details
Year, make, model, trim and mileage. Cars, trucks, SUVs and motorcycles all qualify, provided the vehicle runs.
How Much You Can Qualify For
Amounts range from a few hundred dollars up to $15,000. Four factors set your figure:
Vehicle type
Trucks and SUVs typically appraise higher than compact cars and hold value well across Central Texas. See truck, SUV and motorcycle title loans.
Year and mileage
Newer vehicles with lower mileage support larger loans. A five-year-old vehicle at 60,000 miles will value higher than the same model at 140,000.
Condition
A well-maintained vehicle in running order appraises higher than one with mechanical or cosmetic damage.
Your income
The final amount is set so the payments fit what you can manage. This is a protection, not an obstacle — a loan you cannot service helps nobody.
More detail on how much you can borrow.
How Your Vehicle Is Valued
We use Black Book data, an industry-standard valuation source, factoring year, make, model, trim, mileage and condition. Lenders then apply a loan-to-value ratio — you borrow a percentage of appraised value, not the whole amount, which is standard in secured lending.
Borrow What You Need, Not What You Qualify For
Qualifying for $10,000 does not mean taking $10,000. Because cost scales with amount and time, borrowing the smallest sum that solves the problem is the most effective way to keep it manageable. See how small a title loan can be.