Lending Disclosure: Houston Quick Title is not a direct lender. We are a matching service that connects Houston residents with a network of third-party title loan providers. We do not make credit decisions or issue loan approvals.
APR Disclosure: Title loans carry high interest rates. APRs in Texas can range from 150% to over 300% depending on the lender and the specific loan structure. We encourage all users to review the full terms and conditions of any offer before signing.
Credit Check Notice: Lenders in our network may perform credit checks through various bureaus or utilize alternative data sources to determine eligibility. Submitting a request on this site does not guarantee you will be matched with a lender or approved for a loan.
State Information: In Texas, title loans are regulated by the Office of Consumer Credit Commissioner (OCCC). In Houston, Ordinance No. 2013-1087 further regulates Credit Access Businesses, requiring them to be licensed, limiting loan sizes based on income/vehicle value, and restricting the number of refinances to three.
State Regulations: Texas Finance Code Chapter 393 and Houston City Ordinance Chapter 28.