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Frequently Asked Questions

Discount Car Title Loan

How can I apply for a personal loan or a car title loan?

Applying for a vehicle title loan through Discount Car Title Loan is quick and easy. If you wish to apply in a store or over the phone, our customer representatives in Texas will be happy to guide you through the process. You can also use our online loan application, which is accessible from desktop, tablet or mobile at.

How can I apply to borrow?

We offer vehicle title loans in Texas that range from $125 to $10,000. The maximum amount you can borrow through Discount Car Title Loan depends on several factors, including your income, existing debts and past payment history.

How long will I have to repay my loan?

The term of the personal loan or a car title loan depends primarily on loan size, interest rate, fees and how much we think you can afford for a monthly payment. Our Discount Car Title Loan lenders in Texas offer terms from 3 to 6 months with the smaller loans generally having shorter terms and the larger loans having longer terms.

Who can I contact if I have questions about my loan?

For questions regarding your car title loan, you can contact your lender directly or visit one of our nearest locations in Texas.

What is the difference between a personal and a car title loan?

A title loan is a type of short-term loan that uses the title of your vehicle as collateral. We recommend car title loans for consumers in Texas who need quick cash but don’t qualify for traditional means of financing. Unlike banks, qualifying for a loan with us is simple and doesn’t require a credit check. Best of all, you can continue to use your vehicle while the loan is outstanding. A personal loan, also known as an installment loan, is a popular option for consumers with an established credit history. No collateral is required for personal loans and the loan terms may be longer than 6 months.

What does it mean to have a lien-free (clean) car title?

A lien-free car title is a vehicle without any liens. A lien is a legal claim on a property by a creditor. Having a lien-free car title means that you own your vehicle outright without the threat of repossession or seizure.

Can I still drive my vehicle with a car title loan or a personal loan backed by a car title?

Yes, you can definitely drive your car during the course of your title loan.

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Discount Car Title Loan

* To be approved for a Title Loan.You must be at least 18 years of age. 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 the store associate for details.

SCHEDULE OF ALL FEES

OCCC NOTICE

This service is not available in all areas. If you request a car title loan in a particular area where such loans are prohibited, or in a location where we do not have an available lender, you will not be connected to a lender. You are urged to read and understand the terms of any car title 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.

This service is not available in all areas. Our online loan service readily serves your need to connect with a quality car personal loan. The process takes a few minutes. Fill out our secure online loan questionnaire 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 personal loan, including details about all the applicable rates and fees. If you accept these terms, you may deposit money directly into your bank account, in many cases, as soon as today!

Lender’s Disclosure of Terms.The 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 your lender immediately and discuss how to handle late payments.

What we do. Discount Car Title Loan is not a lender and does not make loan or credit decisions. We connect interested persons with lenders from our approved personal loan and car title loan network. We do not control and are not responsible for the actions or inactions of any lender, we are not an agent, representative or broker of any lender. Our referral service is always free to you.

On-line Marketplace.Our goal is to get you the best title loan rates and title loan terms in the market. We have also made the process simple. No need to visit hundreds of websites and fill out numerous paperwork.

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