How auto title loans work Our auto title loan process is fast and easy. Below is a walkthrough of our process. Funding Your L

How auto title loans work

Our auto title loan process is fast and easy. Below is a walkthrough of our process.

Funding Your Loan

  1. Apply online.
  2. Provide a bank statement to Texas Auto Title Loan representative either online at the end of the application or you can fax or email it to us. A valid bank statement is needed so that your payments may be drafted from your bank account.
  3. Email or fax a copy of your current title to Texas Auto Title Loan.
  4. Talk with a Texas Auto Title Loan specialist.
  5. If approved, Texas Auto Title Loan will provide you with a FEDEX # and a Title Lien Application for you to overnight both originals to Texas Auto Title Loan, at no cost to you.
  6. Texas Auto Title Loan will send a vehicle inspector to review your vehicle in most cases the same day. A 2 hour window where your vehicle will be will need to be provided but you don’t have to be present.
  7. Once both originals are received, funds will be released to your account. Depending on the time of day, funds will either be available that day or the next day.


There are several options when it comes to repaying your loan.

Repaying Your Loan

  1. Refinance Minimum – You can request that your loan be refinanced. If the Lender approves the refinancing of your loan you will be required to pay a minimum of 5% of your principal balance plus fees and interest due. The unpaid principal balance will incur additional fees and interest.
  2. Buydown – If you wish to pay MORE than the minimum 5% of principal but not the entire loan balance you can request that your loan be refinanced. You will owe the fees and interest due and the amount that you wish to pay towards principal. The unpaid principal balance will incur additional fees and interest.
  3. Buyback – If you wish to pay your loan off in full, you can simply pay the full amount due (principal, fees and interest). Once the payment has cleared our bank account we will send your title back to you.


When your loan due date comes due, just give us a call at 1-888-219-3535 to discuss what option best fits your needs.

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