Discount Car Title Loan is a consumer finance company that originates and services car title loans, providing Texas consumers access to secured short-term credit at the most competitive market rates.
Our mission is to provide safer and more affordable loans. Quickly. Customers get rewarded for paying on time. At Discount Car Title Loan customers can get up to 50% savings on their loan fees when they pay on time. This is not a promotion, it´s how we do business.
Customers get to decide how much money to get and how long to pay it back. Core to the Discount Car Title Loan business model is our proprietary Loan Optimizer Software, an underwriting tool that helps customers select their ideal loan size and payment terms. Discount Car Title Loan offers 4 to 6 month amortized car title loans in the $125-$10,000 range.
Get Money Fast. Our online loan platform readily serves your need to connect with a quality car title loan. The process takes a few minutes. Fill out our secure online loan questionaire and we will send an encrypted copy for us to approve. Once you submit your information you will be able to review the terms of the car title loan, including details about all the applicable rates and fees. If you accept these terms, the lender may deposit money directly into your bank account, in many cases, as soon as today!
Credit checks. By submitting your information via this website, you are authorizing Discount Title Loan to initiate a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Discount Title Loan to share your information and credit history with our third party lenders.
Lender’s Disclosure of Terms. Our third party lenders will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. You are urged to read and understand the terms of any loan offered by any lender and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments may Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score (for personal loans). To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact a Discount Title Loan representative immediately and discuss how to handle late payments.
* To be approved for a Title Loan.You must be at least 18 years of age. Loan approval is subject to vehicle inspection and appraisal.**In Texas, Vin-Title, LLC (d/b/a Discount Title Loan) Will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see store associate for details.
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