Austin Car Title Loans use your car title as the collateral to create a loan for you. The application process will not take you much time and it is not very complicated. You can decide whether to come to us or to complete the application online. One of our customer representatives will call you soon after you finish your online form. Our customer service representatives will work with you and respond to all of your questions. Your car is actually an asset that you can use to obtain a loan. We offer several different payment plans and if you can repay the loan early, you will not be charged pre-payment fees like with most other lending companies. We do not regularly consider the borrower’s credit rating, but we do want to be sure that you are able to pay for the car title loan. We do ask that the borrower provides some information about his or her employment or some other source of regular income. We trust you, because we know that you understand that the loan is secured by your own title to the automobile.