A Credit Services Organization (CSO) is a company that earns compensation by helping the consumers obtain loans from an unaffiliated 3rd party lender. A Credit Access Business (CAB) is a type of CSO that helps people obtain payday and title loans from a lender. CSOs are not lenders and do not make loans. Check N Title Loans is a CSO and a CAB that helps consumers obtain an extension of consumer credit by an unaffiliated 3rd party lender.

A Title Loan is a quick and convenient way for customers who own their car, motorcycle or ATV to get cash. Your car, motorcycle or ATV must have a lien-free title. A title loan is when borrowers use their vehicle title as collateral. Borrowers who are looking to obtain a loan must allow the Lender to be placed as lien holders on the vehicle until the loan is paid in full.

Installment loans are similar to payday loans but installment loans allow the customer to pay over an extended period of time. Check N Title Loans offers installment loans that gives you a payment schedule, with manageable payments, that are equal in amount (final payment may vary).

Installment Loans
-       Texas Issued ID
-       Social Security Number
-       Checking Account (no checks required)
-       Previous Bank Statements
Title Loans
-       Vehicle for Visual Inspection (You keep the car)
-       Texas Title
-       State Issued ID

Installment Loans
-       Valid Texas Drivers License or State ID
-       Valid Social Security Number
-       Checking Account that has been open for at least 2 months
-       Proof of income (Direct deposits, SSI, pay stub, pension)
-       You must be able to be contacted via phone if verification of application information is necessary. 
Title Loans
-    Need copies of the following submitted on the website or faxed in.
-       Six pictures of the Vehicle (Front, Back, Side, Side, Front Seat and odometer)
-       Texas Title
-       Proof of Insurance
-       Valid Texas Drivers License or State ID

Applying is free!

For Installment Loans: $200- $1,500
For Title Loans: $300- $10,000

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
Only borrow the amount that you’re certain you can repay on time. When responsibly used, an installment loan works as a good alternative to late fees, credit card debt, and damaged credit scores.

In store you can pay with cash, debit card, money order or cashiers check. If your loan is done online we’ll enroll you into our ACH program to automatically withdraw payments from your bank account. If you wish to pay with a debit card or cash for our online loans you can call one of our customer representatives to assist you.

Yes, you can pay off the loan as soon as you want.

The Loan is structured for 168 days with 12 scheduled payments.

No! Submitting documents online is fast and easy! Customers will also be able to fax documents in if needed.

No, but you do need a source of income.

After making three payments on time and in full you will be eligible for a loan renewal. Please call one of our representatives for details.

After all documents are submitted and reviewed the application status should be approved/declined within 24 business hours. Excluding Sundays and all major holidays.
How long does it take for money to be transferred into my account after approved for an online loan?
If approved by 6:00 PM Central Time on Monday – Friday for weekday applications, and by 2:00 PM Central Time on Sunday for weekend applications, you will generally receive the money the next business day.
For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures.

Every customer has 3 business days to cancel their loan. To do so you would have to return the full amount borrowed in 3 business days.

It’s free! Get started now.