West Texas Title Loans

After you probably took out a small loan at your local conventional bank in the past and you are aware of the hassle experienced, you may not want to allow your money issues to force you into the same situation. If you are down on hard times and don’t want to approach family members or friends, but keep it private, Texas title loans will hold your circumstance in confidence.

Online Title Loan Application Process

Once you approach the title loan lender, whether by phone or on their website, you are able to quickly complete the easy application form. Upon delivering the minimal paperwork requested by the lender, your loan could be approved in less than 24 hours. It all depends on how fast you get the information to the lender. More importantly, since credit scores are not instrumental in acquiring a title loan, all you need is proper identification, proof of income and proof of clear title. The title has to be in your name, so if the vehicle was gifted by a family member or friend, you have to do a transfer of title, which is also an easy, affordable and fast process at the Department of Motor Vehicle in Texas. The title loan application and approval process is not a ‘nail biting’ experience. You fill out an online application and you get a free instant title loan quote based on the value of your car. You endure no hassle and get your money rapidly deposited into a U.S. bank account. It is so easy.

West Texas Car Title Loans

Before you get started on your car title loan application make sure to have the following information:

  • Year/Make/Model
  • Style
  • Estimated miles on car

To get started on your title loan follow these instructions:

  1. Apply online using our car title loan application.
  2. Speak with one of our title loan experts.
  3. Get your title loan quote
  4. Pick up your cash!

West Texas Boat Title Loans

Information Needed For a Boat Title Loan:

  • What kind of watercraft? (e.g. Jet Ski, Pontoon, Yacht)
  • Year
  • Make/Model

Once you have that information you can go ahead and fill out our title loan application. Here’s how it works:

  1. Fill out online application
  2. Talk with title loan specialist
  3. Pick up cash from nearby lender

Consumer Protection

Our motorcycle title loan application is like the others.

  1. Apply online
  2. Talk with one of our customer service representatives
  3. Get Quote
  4. Pick up money from local lender

Information You’ll Need Before Applying For A Motorcycle Title Loan

  • Make and Model of Motorcycle (e.g. Ducati Diavel, Harley-Davidson Road King)
  • Year Made
  • Est. Mileage (e.g. 34,000)

Consumer Protection

The Texas Attorney General’s office provides consumer protection if your rights have been violated. Consumer protection statutes are available for further information. Visit the website that provides information about local and state consumer agencies in Texas.

The National Consumer Law Center (NCLC) has a lot of details concerning how you can find help when you experience legal trouble. For legal aid, the United States government also provides the consumer with assistance.

Consumer Protection Attorneys

Mounce Green Myers Safi Paxson & Galatzan PC
(915) 532-5000

Law Offices of T. Barrett Wood, P.C.
(915) 533-1133

Kubinski & Nichols, P.C.
(915) 593-8883

West Texas Title Loans

Texas Business and Code Law

In the state of Texas, according to the legal requirements executed by the Business and Commerce Code, there is a ten percent cap on interest rates. There are no feel limits and loans cannot go over 180 days. Therefore, if you were to rollover the loan amount- (applying again when you have paid off the first 30 day loan, you could only apply six times altogether (30×6=180).

Repossession Laws

You can avoid repossession by paying your premiums on time. However, if you get into financial hardship, it is best to have open communication with your lender. Most lenders will try to work with you. However, if the situation escalates where the loan has defaulted, the Texas law allows the lender to repossess the vehicle once breach of peace has not been disregarded. Your vehicle can be repossessed even if it is ten days late. That is why it is important to have an open dialogue with the lender.

Law Enforcement is unable to assist in the repossession process if the borrower has defaulted on their title loan. If the police does not follow due process, then that means your constitutional rights will be violated as a consumer. Due process is important to your rights. No court order is needed for vehicle repossession and most police department can act on an issued court order. However, prior to the repossession, you can speak to the lender for an amicable solution.

Towing and Recovery Services in Midland and Odessa, TX

B&B Wrecker and Recovery Service
(432) 570-0865

Action Wrecker Service, Inc.
(432) 697-8697

West Texas Auto Recovery, Inc,
(432) 362-4528

News About Title Loans in Texas

Read what celebrities will do to avoid repossession, hiding their vehicles, planes and other high priced items in secret and unusual places.

After vehicle repossession, a Texas man threatened an employee with a knife and was charged by law enforcement with assault.

Population and Household Income for the West Texas Area

Cities in this region include:

  • Midland with a population of almost 100,000
  • Since 2013, El Paso has a population of roughly 674,433
  • Alpine has a population under 14,000
  • Del Rio has a population of 33,867
  • Odessa’s population is a little over 90,000
  • Population in Fort Davis is 1,050

According to Forbes Magazine online, Odessa’s median income per household is $57,920, growing at a 5.5 percentage rate. The median income per household in El Paso was 41,129 in 2013 and 32,124 in the year 2000.

Unemployment Rate

Since the end of January 2016, the unemployment rate in EL Paso was 4.50%. Bureau of Labor and Statistics has it at 4.9% as of April 1, 2016. For Odessa, Texas, the unemployment rate according to the Bureau of Labor and Statistics was 5.4% since April 1, 2016.

Apply Today For a Free Quote.

Keep Driving Your Car and Receive The Funds You Need.


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“They worked with my busy schedule as a full time mom. And gave me a free consultation. Love this Website!”

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