Short answer
You need four things: a clear, lien-free vehicle title in your name; a government-issued photo ID showing you are 18 or older; proof of income; and your vehicle details (year, make, model, mileage). You do not need good credit — we run no credit check — and you do not need to bring anything anywhere, because the whole process is handled online and by phone.
The Complete Checklist
1. A clear, lien-free title in your name
This is the one non-negotiable. The vehicle must be paid off, with no active lien, and the name on the title must match your ID. If there are two names on the title, both owners may need to sign.
2. Government-issued photo ID
A Texas driver licence, state ID card or passport. This confirms your identity and that you are 18 or over.
3. Proof of income
You need to show you can repay — but not necessarily from a traditional job. All of these count:
- Pay stubs or bank statements showing regular deposits
- Social Security, SSI or SSDI
- Disability or workers’ compensation
- Pension or retirement income
- Unemployment benefits
- Child support or alimony
- Self-employment income
4. Your vehicle details
Year, make, model, trim and current mileage. These drive the Black Book valuation that sets your loan amount. Cars, trucks, SUVs and motorcycles all qualify.
What You Do Not Need
- Good credit. We run no credit check at all.
- A traditional job. Alternative income is fine, as listed above.
- A trip anywhere. There is no branch. Nothing needs to be physically brought in.
- To give up your car. You keep driving it for the entire loan term. We hold only the title.
What Actually Delays Same-Day Funding
In practice, three things hold applications up: a lien still showing on the title, a name mismatch between title and ID, and applying late in the day. Our phone hours run to 7:00pm CT Monday to Saturday — the earlier you apply, the more runway you have.
For the full detail on eligibility, see our title loan requirements page, or read what disqualifies you for a title loan.