What to know about title pawns and title loans in Texas: APR ranges, what lenders typically require, and lower-cost alternatives to consider first.
Last reviewed on April 27, 2026.
Texas residents can access title pawn services throughout the state, with lenders operating in Austin, Houston, Dallas, and other major cities.
Title loans in Texas are permitted with state regulations governing interest rates and lending practices.
Use our loan calculator to estimate your monthly payment based on Texas's typical interest rates.
To qualify for a title loan in Texas, you'll typically need: