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Part of the TitleMax Title Loans chain · locations
TitleMax Title Loans in Irving, TX
Irving, TX's TitleMax Title Loans at 829 N Belt Line Rd offers fast title loans and cash advances during convenient weekday and weekend hours.
Data compiled from public sources · Rating from CreditDoc methodology
TitleMax Title Loans Review
TitleMax Title Loans stands at 829 N Belt Line Rd in Irving, TX, in a convenient standalone location easily accessible from major roadways. The Irving branch is open Monday through Friday from 10 AM to 7 PM, Saturday from 10 AM to 4 PM, and closed Sundays, making it accessible for working professionals in Irving who need quick access to emergency cash.
At this Irving location, you can apply for title loans, payday loans, and other short-term cash solutions. The staff at 829 N Belt Line Rd can walk you through your options over the phone at +1 469-262-3000 or in person. Loans typically process quickly, allowing qualified Irving residents to access funds on the same day or next business day.
If you're an Irving resident facing unexpected expenses or need quick cash, TitleMax Title Loans at this location accepts applications with a valid ID, proof of income, and your vehicle title if applying for a title loan. The straightforward process and fast funding make this 829 N Belt Line Rd location a practical choice for Irving residents in need of immediate financial relief.
Services & Features
Ability to retain vehicle use during loan term
Bilingual in-store service
Car title pledge loans (secured by vehicle title)
Credit check with acceptance of most credit types
Flex Line of Credit (secured, revolving — draw as needed up to credit limit)
In-store unsecured line of credit
Online unsecured line of credit (11 states)
Quick loan approval process
Same-day cash disbursement
Vehicle value assessment for loan sizing
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day cash available upon approval — no waiting period
- Most credit types accepted; vehicle value helps secure the loan rather than credit score alone
- Flex line of credit lets borrowers draw funds over time rather than taking a single lump sum
- Borrower keeps driving their vehicle while the loan is outstanding
- Bilingual staff at this Memphis location
- Store open since February 2007 — established local presence with 481+ Google reviews at 5.0/5
- Unsecured line of credit available online in 11 states for borrowers without a vehicle title
Cons
- APRs and fee schedules are not disclosed on the store page — borrowers must inquire directly
- Vehicle title is pledged as collateral; default risks repossession of the borrower's car
- Online unsecured line of credit restricted to 11 states only
- Store closed Sundays; limited Saturday hours (9am–4pm)
- A credit check is performed despite marketing that accepts most credit types
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is TitleMax Title Loans legitimate?
Yes. TitleMax Title Loans is a registered company, headquartered in 829 N Belt Line Rd, Irving, TX 75061.
Quick Facts
- Headquarters
- 829 N Belt Line Rd, Irving, TX 75061
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on TitleMax Title Loans
TitleMax is best suited for vehicle owners with a clear title who face an immediate cash emergency and cannot qualify for lower-cost lending options. The main caveat is that title loans typically carry very high APRs and place the borrower's vehicle at direct risk of repossession upon default — this should be a last-resort product, not a routine borrowing tool.
Best For
- Vehicle owners with a clear car title who need fast cash and have poor or no credit history
- Borrowers who have been declined by traditional lenders and need same-day funding
- Consumers in Tennessee who want a revolving credit line rather than a fixed lump-sum loan
- Memphis-area residents who prefer in-person service with bilingual support
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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