If you want to know what you can expect when you get here at Turnbaugh Finance, this is how the process goes from start to finish:

  • A loan rep gets the paperwork for your title loan and takes you through the process of filling it out. By the way, this is a great time to mention if you already got preapproved with our online application
  • By conducting a short vehicle inspection and pulling up your car in a vehicle value guide, we get an accurate idea of its current market value. This is how we figure out the maximum amount we can lend you
  • We give you the title loan once we’ve gotten your car title from you


The fast application process is already a major title loan selling point here at Turnbaugh Finance. It starts by asking you for the following details about the vehicle you plan to use as your title loan collateral and your personal contact information: car make, model, body style, year, estimated mileage.

Once we have that information from you, we can process your online application and get you preapproved. We’ll also be able to come up with a free vehicle title loan estimate based on your car’s info, assuming there’s nothing wrong with it and it’s not damaged. We’ll make sure one of our helpful loan representatives contacts you as soon as they can after you submit the online app. They will guide you through the rest of the loan process.

Required Documents

It’s natural to wonder what you’re going to need before we can fund your loan, especially since with many types of loans, there is quite a bit of documentation required during the application process. Title loans are much different, and to get one in Texas, you only need three things – your ID, your car and your car title. The ID is how we verify your age, since you need to be at least 18 years old to obtain a title loan. The car is for us to inspect and figure out its condition. The car title is the one thing we need to keep until you’ve repaid your loan.

How It Works

Title loans are easy to understand. They’re loans that use your car as their collateral, and since they have collateral, they’re known as secured loans. The federal government has put the age minimum for title loan borrowers at 18, but besides that regulation, it leaves every state free to set up its own rules governing the title lending industry.

Title loans Corpus Christi follow the regulations Texas has set, and these aren’t too restrictive. Here’s a rundown of the important title loan regulations in Texas:

  • The state doesn’t restrict title loan amounts at all. If you have a car that’s worth enough and the lender is willing to issue the loan, you can get as much as you want.
  • The title loan interest rate limit in Texas is 10 percent, but there can be other fees.
  • There is no minimum title loan term length in Texas, but the longest a title loan term can last is 180 days, and that’s counting any loan extensions. Most lenders go with 30-day terms.
  • If a loan default occurs, the lender is not required to wait any length of time before coming to repossess the car. After repossession, they also don’t need to wait before selling the car.

Fortunately, title loans tend to be flexible when it comes to repayment. If you can’t pay off your loan when the term ends, you can likely extend it. You just need to pay any fees and interest to do this.

You get to start a new term, which is the same length as the original term and has new fee and interest charges. Keep that 180-day title loan term limit in mind, though. If you extend your car title loan multiple times, you could hit the 180-day mark, and that’s when you need to pay off your entire remaining balance.

Don't hesitate!

The application process is as quick and easy as it gets, and once you have your loan, you’re free to use it on anything!