Car Title Loans in Lubbock, TX
If you’re in Lubbock, TX and facing unexpected bills or financial strain, a car title loan can offer a fast, straightforward way to access extra money. Use your vehicle’s title as collateral and bypass many of the usual delays of traditional loans. Best part? You can still drive your car while repaying the loan.How it Works
Why Lubbock Residents Choose Us
Top 5 Things to Know About Car Title Loans
What Exactly Is a Car Title Loan?
A car title loan is a secured, short-term lending option that allows you to borrow money by using your vehicle’s title as collateral. It’s a popular choice for folks who need quick cash—especially when traditional credit options aren’t available due to a low or nonexistent credit score.
Do I Need to Fully Own My Car to Qualify?
In Lubbock, TX, many lenders require that your vehicle be completely paid off to qualify for a title loan. That said, some may still consider your application if you’ve built up enough equity in your car—even if there’s a small balance remaining on your auto loan.
Can I Get Approved If I Have Bad Credit?
Absolutely. Since the loan is backed by your car title, your credit score isn’t usually a dealbreaker. Many Lubbock lenders still run a credit check, but your credit history typically plays a smaller role in the approval process.
How Fast Can I Get the Money?
If everything checks out, most people in Lubbock, TX, receive their loan funds within one business day. In some cases, you might even see the money the same day, depending on your bank’s timing.
Will I Still Be Able to Drive My Car?
Yes! You get to keep and use your vehicle while repaying the loan—as long as you make your payments on time. Once you’ve paid off the balance, the lien on your title is lifted, and the car is fully yours again.