Best Title Loan Companies in Houston

Best Title Loan Companies in Houston
Author : Chris Morgan
Updated on : February 23rd, 2022

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If you’re in need of some quick funds in Houston, you might consider a title loan. Many companies have a streamlined application process where you could receive your funds in as little as one business day.

Though Houston boasts one of the lowest costs of living in major US metropolitan areas according to, you might still run into emergency expenses. Common examples include a sudden medical bill or car repair bill.

To take care of these expenses, a Houston title loan company can help. Since you should always use caution when choosing a title loan company, we’ll introduce the best 8 title loan companies for Houston residents in this article.

Top 8 Title Loan Companies in Houston

For a great starting point for finding a title loan company, consult our list of the best online title loans. If you want recommendations specific to the Houston area, consider the next 8 companies.

Max Cash Title Loans

Max Cash Title Loans Logo

Max Cash is a title loan company that offers a matching platform for those looking for a title loan. Once you sign up, Max Cash uses their matching algorithms to connect you with one of their partner lenders. If you like what the lender is offering, you can then proceed to working out the details of the loan contract.

Max Cash is completely free to use. This makes them one of the best options for Houston residents, despite being an online company available to anyone in the nation. Here are some more of Max Cash’s pros:

  • They are always available. Since Max Cash is an online platform, they are always available, including on Saturdays and Sundays. In addition, Max Cash has 24/7 customer service support in case you ever need to discuss anything related to your title loan search.
  • They have a wide network of lenders. There are many lenders on Max Cash. This is great, since signing up for Max Cash could potentially connect you with multiple lenders, increasing your odds of finding a better loan.
  • You can compare and contrast loan offers. In some cases, multiple lenders may show interest in your loan. You might be able to compare and contrast different offers, giving you some negotiating advantages.

It’s really easy to get started with Max Cash: their online application will only take a few minutes. We highly recommend any Houston resident interested in a title loan to start with Max Cash. For more information, check out our Ultimate Max Cash Title Loans Review.


LoanMart Logo

If you’re looking for the best direct title loan provider, look no further than LoanMart. They offer quick and affordable title loan options for Houston residents. After you submit an application, a LoanMart representative will get back to you promptly with a decision.

Unlike Max Cash, LoanMart follows a different model: they are a direct lender, meaning they are responsible for funding your loan and holding on to your title. We highly recommend them for the following reasons:

  • They’re quick. LoanMart gets back to new clients quickly! They encourage everyone to submit an online application, where they usually get back to you in 24 hours, and often much faster.
  • Their “Three Day Peace of Mind” guarantee. Perhaps LoanMart’s best feature is their 72 hour guarantee. This lets any new client freely back out of a title loan agreement within 72 hours of signing. This is a great perk if you later decide you no longer require a title loan.
  • They emphasize financial education. Companies that prioritize teaching their clients about their finances always gain our stamp of approval. LoanMart has many free educational articles and other resources on their website.

In other good news, LoanMart has a very high approval rate. Houston residents could secure a great rate today by filling out a LoanMart application online.

Loan Center

Loan Center Logo

After LoanMart, Loan Center is another top national title loan provider. Whether you have a car, SUV, motorcycle, or RV, Loan Center offers up to $50,000 in a single title loan. They also take care of title loan refinances if you need a better rate.

Loan Center has a very high approval rate, so we also encourage Houston residents to apply. In addition, they report on-time payments to the credit bureaus, so you are repairing your credit in the process.

Advantage Finance LLC

Advantage Finance LLC Logo

Advantage Finance LLC has been a top local provider of title loans to Houston residents for over 13 years. They have 4 locations. Their North location at 616 Farm to Market Rd has a perfect 5 out of 5 rating on Google among 175 reviews.

Advantage Finance LLC is trustworthy because they publish all their licenses and disclosure publicly on their website. Their entire process from submitting your application in-store and receiving your check takes only 30 minutes, so they definitely do provide quick title loans.


TitleMax Logo

TitleMax is a very popular national title loan provider that mostly conducts their business online. Their “all-credit-welcome” policy means that Houston residents won’t have to worry about past credit problems when applying.

TitleMax offers a variety of ways to receive and make your repayments. Take advantage of their TitleMax Customer Portal, where you can easily check your remaining balance and get notifications on upcoming payment dates.

LoanStar Title Loans

LoanStar Title Loans Logo

LoanStar Title Loans has dozens of locations all over Texas. They offer title loans for up to $10,000, and are a great local option if you need funds fast.

At LoanStar Title Loans, you could get your cash within 20 minutes if you start and finish the process in-store. They also offer a mobile application that allows you to easily manage your account and make payments.

Houston Metropolitan Federal Credit Union

Houston Metropolitan Federal Credit Union Logo

Houston Metropolitan Federal Credit Union (HMFCU) is a local institution that offers affordable auto title loans. As long as your vehicle is year 2015 or newer, you could secure an ultra-low rate of 3.99%. However, as they are a credit union, they may have stricter credit requirements.

If you need funds, it’s still worth applying for a membership to HMFCU. Anyone within 25 miles of a branch (this includes the entire Houston metropolitan area) is eligible.

Texas Car Title & Payday Loan

Texas Car Title & Payday Loan Logo

Texas Car Title & Payday Loan is a local company with locations all over Texas. Their Aldine Westfield Rd location has an average rating of 4.9 out of 5 among 77 Google reviews.

Texas Car Title & Payday Loan offers title loans for up to $15,000. They are unique in that there’s no store visit required in their process–they’ll come to you! Of course, if you want to complete the process faster, you could still visit one of their physical branches.

Are Car Title Loans Legal in Texas?

Yes, car title loans are legal in Texas, and thus in Houston as well. According to this summary by the Consumer Federation of America, Texas actually has very favorable title loan laws compared to other states, as they limit the interest rate cap to 10%.

However, according to the Texas Fair Lending Alliance, companies in Texas have an easy way of getting around this. The 10% rate does not apply to businesses registered as a “Credit Access Business” (CAB), which still allows many companies to charge crazy rates as high as 500% APR.

This legal loophole means that high rates are still an unfortunate reality of many title loans in Texas. As a customer, the important thing to realize is to not accept any terms that have an interest rate that you cannot handle. Title loan companies should make it clear to you exactly how much you owe and when, so you can plan and budget accordingly.

How Do Title Loans Work in Houston?

In Houston, getting a title loan involves filling in an application, handing your title loan over to the company, and then receiving your funds. More specifically, companies will follow this general five-step process:

  • Prepare your documents. Before starting the process, have your documents ready. Normally, these include your government-issued photo ID, car title, proof of income (recent pay stub), and proof of residency (recent utility bill)
  • Fill out an application, in person or online. The first step at any company is to fill out an application. This will ask for basic information about yourself as well as your car. It shouldn’t take you longer than 10 minutes to fill out.
  • Receive and review your loan terms. Once you’ve submitted your application, a loan officer should get back to you quickly. Usually, they’ll accept your application and offer you your loan terms. Review them carefully.
  • Accept or decline the offer. If everything looks good, and you’re sure you can make the repayments, you can accept the offer. You can also still decline, but you’ll have to restart this process with another company.
  • Get your funds. After signing, you should get your funds promptly. If you finished the process in-store, you should walk out with your check. Otherwise, expect to receive your funds within the next business day.

When Should I Consider Getting a Title Loan?

Because title loans have very high interest rates (especially in Texas), we only recommend getting a title loan if you have the means to fully repay it. Before you even sign the loan contract, be 100% certain you can make the loan repayments in full and on time.

In addition, a title loan really only makes sense when you’re faced with a real financial emergency. For many people, this means having to cover an upcoming rent payment, utility bill, medical bill, or car repair bill.

We never recommend getting a title loan to cover discretionary expenses, such as an expensive gift or vacation. Title loans should be reserved only for times of true need.

What Do You Need For a Title Loan in Houston?

What Do You Need For a Title Loan in Houston?

  • Government-issued ID
  • Car title
  • Proof of income
  • Proof of residency

Note that if you don’t have your car title because you’re still making payments, you may be rejected for a title loan. However, some lenders may still want to work with you if you have sufficient equity in your car. It never hurts to contact customer service to ask them this.

Conclusion and Next Steps

If you’re a Houston resident in a financial pinch, you may want to consider title loans. A title loan is still one of the fastest ways to get cash, but we only recommend doing so if you’re confident you can pay it off in time.

For the best title loans in Houston, we recommend reaching out to Max Cash. They are an online title platform available around the clock, and can help connect you with lenders that offer amazing and affordable rates.

If you need cash fast, get in touch with

Max Cash.

Max Cash Title Loans Logo

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About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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