Texas (TX) lender directory

Title Loans in Texas

Looking for a title loan near you in Texas? Pick your city below. We list 1,087 stores in 232 Texas cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.

Read our guide: Title Loans: How They Work, What They Cost, and the Risks

Title loans by city

Top cities

All 232 cities A–Z

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B

C

D

E

F

G

H

I

Irving 18

J

K

L

M

N

O

Odessa 9
Orange 2

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Q

Quinlan 1

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S

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Universal City 3

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W

Title loans in Texas: the rules

Auto title loans in Texas are also arranged by credit access businesses and secured by your vehicle's title. If you fall behind, the lender can repossess the car. Many cities cap title loans at the lesser of 3% of your gross annual income or 70% of the vehicle's retail value.

The average auto title APR in Texas is about 223%. Source: OCCC, 2025 Study of Consumer Loan Products.

What Texas borrowers actually pay

Averages that credit access businesses report to the OCCC each quarter.

Loan	Average loan	Average CAB fee per $100	Average term	Borrowers in quarter
Single-payment title	$1,952	$18.90	30 days	14,453
Installment title	$1,426	$112.01	163 days	33,557

Source: OCCC Credit Access Business quarterly report, 2026Q2, checked Oct 7, 2026.

Questions people ask

Are payday loans legal in Texas?

Yes. Payday lenders operate in Texas under state rules. For example: A credit services organization that arranges payday loans must hold a credit access business license for each location where it operates (Tex. Fin. Code § 393.603).

How many title loan stores are in Texas?

We list 1,087 title loan stores in Texas, in 232 cities.

Which Texas cities have the most title loan stores?

Houston (126), San Antonio (65), Dallas (40), Fort Worth (36) and El Paso (32).

How do I check a lender's license in Texas?

Lenders in Texas are licensed by the Texas Office of Consumer Credit Commissioner (OCCC). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

Texas OCCC ALECS licensee search · 952 locations Last verified Oct 15, 2026
TitleMax store locator · 236 locations Last verified Oct 15, 2026
Cash Store locations · 119 locations Last verified Oct 15, 2026
City of San Antonio registered CAB list · 46 locations Last verified Oct 15, 2026
CashMax Texas store map · 40 locations Last verified Oct 15, 2026
OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
OCCC Credit Access Business quarterly report (2026Q2) · Average loan, fee, term and borrower counts Last verified Oct 7, 2026
Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
Tex. Fin. Code § 393.625, Tex. Fin. Code § 393.603, Tex. Fin. Code § 393.221(2), Tex. Fin. Code § 393.602(b), Tex. Fin. Code § 393.222(a), Tex. Fin. Code § 393.223(a), Tex. Fin. Code § 393.221(3), Tex. Fin. Code § 393.223(b) · General rules, Payday loans (deferred presentment), Title loans Last verified Oct 9, 2026 · high confidence
7 Tex. Admin. Code § 83.6004(a) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
Tex. Fin. Code § 342.051(a), Tex. Fin. Code § 342.201(a)(1), Tex. Fin. Code § 342.201(a)(2), Tex. Fin. Code § 342.251, Tex. Fin. Code § 342.252(a)(3)(A), Tex. Fin. Code § 342.252(a)(3)(B), Tex. Fin. Code § 342.255 · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
Tex. Fin. Code § 371.159(c)(2), Tex. Fin. Code § 371.159(c)(3), Tex. Fin. Code § 371.159(c)(4), Tex. Fin. Code § 371.160(a)-(b), Tex. Fin. Code § 371.169, Tex. Fin. Code § 371.051, Tex. Fin. Code § 371.158, Tex. Fin. Code § 371.159(c)(1), Tex. Fin. Code § 371.170 · Pawn loans Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.