Auto Title Loan
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Part of the TitleMax Title Loans chain · locations
TitleMax Title Loans in Richardson, TX
No stored Google rating available.
Richardson, TX's TitleMax Title Loans at 1328 E Belt Line Rd offers quick title and payday loans with same-day funding.
Data compiled from public sources
TitleMax Title Loans Review
TitleMax Title Loans' Richardson location sits at 1328 E Belt Line Rd, a busy retail corridor in central Richardson, TX. This standalone storefront is open Monday through Friday from 10 AM to 7 PM, Saturdays 10 AM to 4 PM, and closed Sundays. The location provides convenient walk-in access for Richardson residents needing quick title-based lending.
At this Richardson, TX branch, customers can apply for title loans, payday advances, and installment loans. The staff can guide you through the application process, explain rates and terms relevant to your situation, and clarify the loan options available. Call 972-850-5845 to ask questions or arrange an appointment.
If you're a Richardson, TX resident facing a cash shortfall, bring a valid photo ID, proof of residence, and your vehicle's title (for title loans). The streamlined application process at the E Belt Line Rd location is designed for speed—many applicants complete their loans the same day. Walk-ins are welcome during posted business hours.
Services & Features
Auto title pledge (secured loan against vehicle title)
Bilingual customer service
Credit check with most credit types accepted
Flex line of credit (secured, revolving — draw as needed up to credit limit)
Flexible repayment scheduling
In-store loan application
Online loan application
Same-day cash disbursement
Unsecured personal line of credit (in-store)
Unsecured personal line of credit (online, 11 states)
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 disbursement upon approval — no multi-day wait
- Vehicle title replaces credit score as primary qualification factor — most credit types accepted
- Borrowers keep driving their vehicle while the loan is outstanding
- Offers both secured title loans AND unsecured personal lines of credit at the same location
- Bilingual staff at this Memphis location
- 481+ Google reviews averaging 5.0/5 — consistently praised staff by name
- Online unsecured line of credit available in 11 states with flexible withdrawal (all at once or over time)
Cons
- APR and fee structure not disclosed on the website — title loans typically carry triple-digit annualized rates
- Defaulting means losing your vehicle, a severe consequence for borrowers already in financial distress
- Online unsecured loans restricted to 11 states only (AZ, DE, ID, KS, MO, MS, SC, TN, TX, UT, WI)
- Closed Sundays, limiting emergency access on weekends
- Requires a clear vehicle title — borrowers still making car payments do not qualify for the secured product
Compare Personal Loan Options
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Richardson, TX. It does not confirm that TitleMax Title Loans or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Payday loan rules in Texas
Status: Permitted
Rate context: No state fee cap; structured through Credit Access Business (CAB) model with effective APRs frequently exceeding 500%
Payday loans are legal in Texas but operated as Credit Access Businesses (CABs) that arrange loans through third-party lenders, exempting them from state usury rate caps. Several cities (Austin, Dallas, San Antonio, Houston) have enacted local ordinances imposing loan amount limits and rollover restrictions. Austin limits CAB loans to $1,500 and restricts rollovers; Dallas limits loans to $500 with 90-day mandatory waiting period between loans. The Texas Finance Code (Tex. Bus. & Com. Code § 59.001-59.060) regulates CABs but does not establish fee caps.
Installment loan rules in Texas
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Key state rules to check
- Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
- No state cap on CAB fees; effective APRs frequently exceed 500%.
- Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
Complaint resources
- Texas Office of Consumer Credit Commissioner - State Regulator
- Texas Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does TitleMax Title Loans offer?
TitleMax Title Loans offers 11 services including Auto title pledge (secured loan against vehicle title), Flex line of credit (secured, revolving — draw as needed up to credit limit), Unsecured personal line of credit (in-store), Unsecured personal line of credit (online, 11 states), Same-day cash disbursement, and 6 more.
What profile signals are listed for TitleMax Title Loans?
TitleMax Title Loans has profile signals associated with Borrowers with poor or no credit who own their vehicle free and clear, Consumers needing same-day cash for a genuine short-term emergency with a definite repayment plan, Memphis-area residents who prefer in-person service with bilingual support, Borrowers in eligible states who want an unsecured revolving line of credit with flexible drawdown.
What are the strengths and weaknesses of TitleMax Title Loans?
Key strengths: Same-day cash disbursement upon approval — no multi-day wait; Vehicle title replaces credit score as primary qualification factor — most credit types accepted; Borrowers keep driving their vehicle while the loan is outstanding. Areas to consider: APR and fee structure not disclosed on the website — title loans typically carry triple-digit annualized rates; Defaulting means losing your vehicle, a severe consequence for borrowers already in financial distress.
How does TitleMax Title Loans compare to similar companies?
In the Emergency Cash category, comparable providers include Auto Title Loan, Car Title Loan, EZ Cash Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 1328 E Belt Line Rd, Richardson, TX 75081
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on TitleMax Title Loans
TitleMax is profile signals for credit-challenged borrowers who own a paid-off vehicle and are researching emergency-cash options the same day — the title secures the loan where credit history cannot. The critical caveat is cost: title loans carry extremely high APRs not disclosed on their site, and default risks vehicle repossession, making this a last-resort option only.
Profile Signals
- Borrowers with poor or no credit who own their vehicle free and clear
- Consumers needing same-day cash for a genuine short-term emergency with a definite repayment plan
- Memphis-area residents who prefer in-person service with bilingual support
- Borrowers in eligible states who want an unsecured revolving line of credit with flexible drawdown
Updated 2026-05-08
Similar Companies
Car Title Loan
Blaze Payday Loans is an online loan marketplace connector that connects borrower inquiries to third-party payday and personal lenders for short-term cash access up to $10,000.
BBB: NR
Profile signals: Borrowers with bad credit needing emergency-cash timing to verify, Consumers seeking application-process timing claims for urgent expenses
EZ Cash Title Loans
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Compare Your Needs With TitleMax Title Loans
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Quick Summary
- TitleMax Title Loans is listed as a Emergency Cash provider in Richardson, TX on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Is a Good Credit Score and Why Your Tier Matters (2026) Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
What Is a Good Credit Score and Why Your Tier Matters (2026)
Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →How to Check Your Credit Score for Free Without Hurting It
Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →How Credit Scores Are Calculated: Every Factor Explained
A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
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 are required to 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 lower-cost 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 high-cost 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 may only be required 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 repeat-borrowing risk: 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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to TitleMax Title Loans and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.