How It Works

Get started by applying today

Getting started is as easy as 1-2-3

 Getting started with VIP FInance is easy! Just follow the steps below and you’ll be well on your way to receiving your title loan.

1. Fill Out and Email Your Application

2. Bring In:

Title (if you have it)
Proof of residence (utility bill)
Proof of income (paystub or bank statement)

3. Sign and Pick Up Your Money in 15 Minutes

Apply Today to Start

Commonly Asked Questions

Is a Title Loan Right for You?

Texas car title loans are used by people for many different reasons.

Sometimes we help small business owners who have had unexpected expenses pop up. Other times we help sales professionals who are waiting for commission checks to come through.

Whatever your profession or need, VIP Finance can help alleviate cash flow bottlenecks and get you the money you need, now!

Is a Title Loan Buyout Right for You?

If you have a loan from one of the other guys, then maybe a title loan buyout from VIP Finance of Texas will be your new best friend. We will pay off your old loan and save you hundreds!

We offer considerably lower interest rates than the other guys, plus, we buy all manners of title loans.

So, if you’re having trouble making your payments and need a company that pays off title loans, come in today to see why we’re the best in Texas.

We buy title loans from our competitors often, because it’s a win-win-lose.

You win by getting a lower rate, we win by gaining your business and our competitors don’t get to take your car.

That seems fair to us.

What Do You Need to Bring?

There are just a few items you will need to bring with you to get a VIP Finance car title loan.

  • Vehicle – We’ll have to do a simple vehicle inspection when you arrive at one of our six locations.
  • Texas Car Title– This is proof that you own the car. There should be no liens on the car, and anyone who listed on the Texas car title will have to come as well.
  • Proof of Insurance– You will need to have liability, Comprehensive & Collision, and Mechanical Breakdown insurance.
  • Proof of Income– You need proof that you will be able to pay off your Texas car title loan.
  • Residential Proof– Lastly, you must have proof that you live in Texas.

When you come in with these documents, you can quickly leave with your loan.

You keep your vehicle, we just put a lien on the Texas car title. And once your loan is paid off, the lien is taken off.

If you need the buyout of an existing title loan, then just bring the above items plus your old title loan. We will do the rest!

We have offered title loan help to many happy customers, and we can help you too!

What Makes Texas Car Title Loans with VIP Finance Different

If you’re looking online for title loans in Texas, you might be asking yourself just what makes VIP Finance of Texas different from our competitors?

Many of our competitors say that they want to save you money or that they’re ‘different’, but the proof is clear. Take a look at the facts and see why when we say we offer title loan help, we mean it!

  • Clear Percentage – At VIP finance of Texas, we use a clear annual percentage rate (APR) to plan out your loan. Our rates are set at 6% APR, that’s all – 6%.

We have the lowest total payback in the industry. This means that you can potentially be saving hundreds or even thousands of dollars through the life of your loan. Even if it’s halfway through your loan term with someone else, you can still save hundreds or more by switching to us for a title loan buyout.

  • Clear Terms– We have repayment terms that range from four to twelve months. Many of our competitors only allow a maximum term of one That means you have to start a new loan each month to stay current!

You can potentially be paying an effective rate of over 150% by the time you’re done repaying such a loan. At VIP, we plan your loan out for up to a year, so you know exactly what you owe and how long it will take to repay.

Need Money Today? No Problem.

 Life is full of small surprises. Whether you need money to pay for unexpected expenses or just to hold you over to your next check, you can count on VIP Finance of Texas to help.

We are a locally owned and operated company serving the needs of the Dallas and Fort Worth area. Just bring the above documents to any of our six locations and expect to leave quickly with your loan. But our help doesn’t end there. Even if you took out a title loan with another company, we’re here for you. We buy title loans and we can pay off yours! Come in today and see how much you should be saving.  


Latest News

Knowing Your Rights in Car Title Loans

Some lenders take advantage of the fact that Texas has one of the most expensive car title loans in the US. Protect yourself from fraud by knowing your car title loan rights.

Keeping Your Car in the Midst of an Auto Title Loan

Don’t Lose Your Car Over an Auto Title Loan: Know the Laws & Strategize More than two million American adults take out car title loans every year. In a typical title loan, on average, Americans spend about $1200 for a $1000 loan. Borrowers usually pay in a balloon...

Understanding APRs for Smarter Loan Decisions

Not everyone who applies for a loan understands what an annual percentage rate is or how it works. A high APR can keep you from paying off your loans on time. Fortunately, VIP Finance offers the lowest APR in the industry.

Going Debt-Free: Smart Ways to Pay Off Your Auto Title Loan

Acquiring an auto title loan is an ideal choice if you need cash for emergency situations, like medical concerns. It offers a short-term loan where you use your car title as collateral given that you’re the lien holder.  Since the loan is short-term, borrowers usually...

Ready to get started? Apply today and get your money!

VIP Finance of Texas

VIP has been in business since 1989 as the 1st Auto Title Lender in the DFW Metroplex. We are locally owned and operated here in the DFW area in the great state of Texas. This creates quite a few benefits for our customers. For example, because we are not a big corporation our policies are flexible based on different situations.

Also, we are a Registered Creditor with the state of Texas and governed by Texas laws, which is rare in this industry. Most of our competitors are out of state lenders governed by out of state laws that are more favorable to them.

Location Hours

Monday - Friday: 9:00am - 7:00pm

Call us Today!


$25 Loan Referral Card

Good for 1 new loan or buy out only! CLICK HERE for Card!

See the VIP Difference for Yourself!

Compare our rates with other title loan companies in Dallas and Fort Worth, and see why more people trust VIP Finance. Click here to see the difference!