See how much
you can get for your car!

Title Loans in El Paso, Texas

El Paso, Texas is a large metropolitan city that has a lot of options when it comes to jobs. However, even if you are making a decent income, emergencies can happen overnight. Even if you have a little something in savings, a medical emergency, high utility bills or home repair issues can set you back financially. If you also have bad credit, there is a good likelihood that you can’t turn to traditional banks for assistance. They have really tightened up their loan requirements these days since the recession. Even if you’ve only missed a few payments or been late on a couple of charge cards, it could be enough to drop your credit rating several points. Consequently, you may not be approved for a small personal loan. However, you do have another option for getting a short-term loan. El Paso Car Title Loans is more than happy to assist you with title loans in El Paso. These loans come with flexible payment arrangements, and they are easy to get. You can use your loan funds for absolutely anything at all. To be approved, you’ll need to own a car or truck and have a clear title. Imagine loan funds in less than a day.

No Credit Check Loans El Paso

We like to make it as easy as possible for folks to get loans. To reduce stress, hassles and speed up the loan process, we do not use any type of credit information for qualifying. We hope everyone will apply for a loan even if your credit isn’t the best. Since, you secure your loan with your vehicle, it really isn’t necessary to focus on credit.


El Paso Car Title Loans understands layoffs happen from time to time. In most cases, we can get you qualified even if you’re unemployed using your unemployment benefits.


Just because you are retired, it doesn’t necessarily mean you have no income. A lot of retired folks work part-time. You may also have other income from a variety of sources like Social Security, disability benefits or income from a pension plan. We’ll work together to find an ideal plan for your financial needs.

How Title Loans El Paso Can Improve Finances and Lives

Pay Off High Interest Credit Cards

Obtaining title loans in El Paso with great interest rates may provide you with the opportunity to pay off credit card balances carrying high interest rates, which frees up money for other bills.

Covering Expenses

Most people take out title loans in El Paso to cover unforeseen emergencies like car repairs, hospital visits or doctor bills.

Improving Credit Scores

If your lender reports to one or more of the three credit bureaus and you make timely payments on your car title loan, you could stand to improve your credit rating.

Improve Finances

For some folks, getting a loan could be the financial solution they have been seeking. Loan funds could be used to pay off property taxes on a home, pay for income taxes and generally get your budget back on track.

Making Ends Meet

If you are living from one pay check to the next, it can feel like you’ll never get caught up. Your loan funds could be just what you need to catch up on missed payments and get your bills paid ontime.

Reduce Stress

Taking out title loans in El Paso can help to reduce stress. Just think how much better you would feel knowing you have the cash for bills, buying groceries, paying utility bills or whatever else comes along.

In Between Jobs

It is hard enough when you lose a job or have your hours cut. At least with title loan funds, you have the cash you need to fall back on until you secure another job or get more hours.

How Loan Amounts Are Determined

In most situations, loan amounts are based on the current market value of your automobile and your ability to repay the loan. After determining the value of a vehicle using Kelly Blue Book and considering the condition, age and mileage of a vehicle, we apply a percentage against the value to come up with a loan amount. We use this amount as a guide when deciding on an affordable loan payment for you.

How the Loan Process Works

Loan Requirements

Before applying, it is a smart idea to verify you meet our loan requirements, which include:

  • Latest pay stub or proof of other income.
  • Driver’s license and Social Security card.
  • Proof of car insurance and a bill showing your name and address.
  • Two references and a spare set of car keys.
  • Preferably, we would like to see a vehicle title showing no liens on the auto. Car titles must be turned in at the loan closing, but titles will be returned immediately after the last loan payment has been made.
  • Cars and trucks used for collateral must be in running condition, and you must own the vehicle.
  • Borrowers interested in obtaining title loans in El Paso must be a minimum of 18 years old. You’ll also need to provide a Texas identification card or your driver’s license to provide proof of your age.

Your Application

After meeting our loan requirements, you’re ready to get started with the application. Keep in mind, that loan applications are free of charge. Submitting our online application is easy and quick. We only require the following information:

  • First and last name.
  • Cell number.
  • Home phone number.
  • Email address.
  • City and State
  • Make, model, body style, and the age of your car with a mileage estimate.

Receiving Your Free Loan Estimate

We want our clients to be informed throughout the loan process. So, there are no misunderstandings, we will provide you with an upfront loan estimate right after applying. If you are happy with the payout, you are encouraged to continue working through the loan process with your personal loan representative.

Confirming Loan Details

In all likelihood, you’ll receive a telephone call from your loan rep the same day you apply. Your rep will explain the entire loan process from the start to finish, so you understand what is involved. He or she will also discuss various income options, which can be used to qualify you for the loan.

Most importantly, you and your representative will work together as a team to find the best possible payment plan to meet your budget. You should be able to come up with a reasonable loan payment and still have enough cash to pay other monthly expenses.

Closing Your Loan

According to state regulations in Texas, we are required to present borrowers with contracts for title loans in El Paso, which clearly define the loan terms. Contracts will include:

  • Interest rate.
  • Minimum payment amounts.
  • Payment schedule.
  • Total cost of the loan.
  • Total loan amount.
  • Any applicable fees.
  • The course of action when payments aren't made.

After approving the loan agreement with your signature, you’ll need to turn over the paper copy of your car title and the spare set of keys. You may collect your loan funds from any number of convenient loan stores, or we can process a check and mail it. Title loans in El Paso offer affordable payments, competitive interest rates and a way to get finances back on track.

Contact Car Title Loans in El Paso, TX

Never hesitate to call us regarding car title loans, our company, or the services that we offer. We will be more than happy to answer any questions you may have.

El Paso, TX

(915) 243-1700