Title Loans in Shelbyville, Texas

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No title loan companies in Shelbyville, TX. Consider companies in other cities:

Company nameAddressZip codePhone number
Loanstar Title Loans 935 W Pioneer Pkwy, Grand Prairie, TX 75051
Check n Go 4407 W Fuqua St, Houston, TX 77045 +1 (713) 413 - 9540
Cash Store 1900 Dr N W Atkinson Blvd Ste 200, Alice, TX 78332 +1 (361) 396 - 0504
Bierschwale Credit & Lending 908 N Llano St, Fredericksburg, TX 78624 +1 (830) 997 - 2130
1 Hour Car Title Loans Amarillo 320 S Polk St, Amarillo, TX 79101 +1 (806) 402 - 3588
Payment 1 Financial 800 E Villa Maria Rd, Bryan, TX 77802 +1 (979) 703 - 1228
Speedy Cash 5532 Manchaca Rd, Austin, TX 78745 +1 (512) 707 - 1229
ACE Cash Express 205 W Rancier Ave Ste K Ste K Ste K, Killeen, TX 76541 +1 (254) 526 - 3444
Payday Advance 311 E Northwest Hwy, Grapevine, TX 76051 +1 (817) 778 - 4722
TitleMax Title Loans 1414 W Panola St, Carthage, TX 75633 +1 (903) 693 - 3321

Title Loan Companies in Nearby Cities

If there are no title loan companies in Shelbyville, TX, you can try to find different companies in big cities nearby. Check out the following pages here: Car Title Loans in Euless, TX, Title Loans in Farmers Branch, TX, Car Title Loans in Flower Mound, TX, Title Loans in Fort Worth, TX, Title Loans in Friendswood, TX, Car Title Loans in Frisco, TX, Car Title Loans in Galveston, TX and Car Title Loans in Garland, TX. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Shelbyville, TX.

Title Loans in Shelbyville, Texas: A Comprehensive Guide

If you need quick cash and you own a vehicle, a title loan may be one of your options. In Texas, title loans are legal and popular among borrowers. This guide will walk you through everything you need to know about title loans in Shelbyville, Texas.

What is a title loan?

A title loan is a short-term loan that uses your vehicle as collateral. The loan amount is typically based on the value of your car, truck, motorcycle, or any other vehicle that you own outright. Unlike traditional loans, a title loan does not require a credit check, which makes it an accessible option for people with poor credit scores or no credit history.

How do title loans work in Texas?

In Texas, title loans are regulated by the Texas Office of Consumer Credit Commissioner (OCCC).

  • Loan amounts: The minimum loan amount is $100, and the maximum amount is 70% of the vehicle’s value.
  • Interest rates: Texas law does not limit the interest rates that lenders can charge. However, the OCCC recommends that lenders charge no more than 10% per month.
  • Repayment terms: Texas law requires lenders to offer repayment terms of at least 30 days. However, most title loans have shorter repayment terms, usually between 14 and 30 days.
  • Roll-overs: Texas law does not allow roll-overs for title loans. This means that you cannot extend the due date of your loan by paying only the interest or fees.

How to apply for a title loan in Shelbyville, Texas?

Applying for a title loan in Shelbyville, Texas is a simple process that can be completed online or in-store. Here’s what you need:

  • A vehicle that you own outright
  • A valid government-issued ID
  • Proof of income or employment
  • Proof of residency

Once you have gathered your documents, you can fill out an application on TheGuaranteedLoans website. We are not a direct lender, but a connector service that can help you connect with potential lenders in Shelbyville, Texas. We work with a network of licensed lenders who offer competitive rates and favorable terms. After you submit your application, lenders will review your information and contact you if they can offer you a loan.

What are the benefits of title loans?

There are several benefits of title loans, including:

  • Quick access to cash: Title loans can be approved within minutes, and funds can be deposited in your account on the same day.
  • No credit check: Title loans do not require a credit check, which makes them accessible to borrowers with bad credit or no credit history.
  • Flexible repayment terms: Title loans offer flexible repayment terms that can be customized to your needs. You can choose a repayment plan that fits your budget and schedule.
  • Keep your vehicle: With a title loan, you can keep driving your vehicle as long as you make your payments on time.

What are the risks of title loans?

While title loans can provide quick access to cash, they come with several risks that you should consider before applying:

  • High-interest rates: Title loans can have high-interest rates that can make the loan expensive over time. Make sure you understand the total cost of the loan before signing any agreement.
  • Short-term loans: Title loans are short-term loans that require repayment within a few weeks. If you cannot repay the loan on time, you may incur additional fees or lose your vehicle.
  • Repossession: If you default on your loan, the lender may repossess your vehicle to recover their losses. This can have a significant impact on your life and finances.

Interesting Facts and Statistics about Title Loans in Shelbyville, Texas

  • According to the Texas OCCC, there were 1,809 licensed title loan companies in Texas in 2020.
  • As of January 2021, the average loan amount in Texas was $1,029, and the average APR was 183%.
  • A study by the Consumer Financial Protection Bureau found that about 20% of borrowers who took out a single-payment title loan had their vehicle seized by the lender.

Apply for a title loan now!

If you need quick cash and you own a vehicle, a title loan may be an option for you. TheGuaranteedLoans can help you connect with potential lenders in Shelbyville, Texas who offer competitive rates and favorable terms. Fill out our online application today and get connected with a lender in minutes!

Useful Articles

Shelbyville, TX title loan calculator

Frequently Asked Questions About Car Title Loans in Shelbyville, Texas

Can I get a title loan in Shelbyville, Texas if I have bad credit?

Yes, you can still get a title loan in Shelbyville, Texas even if you have bad credit. Because a title loan is secured by your vehicle, the lender will be more likely to approve your loan even if you have poor credit.

Are there any restrictions on how I can use the money from a title loan in Shelbyville, Texas?

No, there are no restrictions on how you can use the money from a title loan in Shelbyville, Texas. You are free to use the funds from your loan for any purpose you see fit, including paying off bills, covering unexpected expenses, or making a large purchase.

Advise to read before applying

Look for Title Loans in Other Cities:

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