Texas Auto Title Loan FAQ’s

Frequently Asked Questions

How does it work?

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

  1. Apply online.
  2. Provide a bank statement to TATL 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 TATL
  4. Talk with a TATL loan specialist.
  5. If approved, TATL will provide you with a FEDEX # and a Title Lien Application for you to overnight both originals to TATL, at no cost to you.
  6. TATL will send a vehicle inspector to review your vehicle in most cases the same day to check for damage or other vehicle problems that could lower the value of your car. 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.

What is an auto title loan?

An auto title loan is a short-term secured loan based on the equity and value of your car. What’s great about an auto title loan is that you car’s collateral serves as your credit, rates are lower than a payday loan and you get to keep your car.

How do I get started?

The first step to getting an auto title loan is completing our Easy-Form Application. It only takes a few minutes and can be done from the convenience of your home. You can also call us at 888-219-3535 if you have any questions about the application process.

Is the process fast?

Yes! In as little as 15 minutes, you can be approved for an auto title loan of up to $5000.

Do I get to keep my car?

Yes. The great thing about an auto title loan is that you don’t have to give us your car or truck, only the title or “pink slip” to your automobile. You will continue to drive your auto as usual while making your payments. Once your loan is paid off, the title to your car or truck will be returned.

What are my options regarding repayment of my loan?

There are several options when it comes to 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.
  4. 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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