You should understand that title loans are not the same as bank loans you may have taken out previously. Title loans are secured by your vehicle title and that’s why if you don’t make timely payments the lender may repossess your car. But if you do pay it back in a timely manner your credit history will improve. Moreover, it is important to look at different lenders out there and find the one with affordable interest rates and flexible payment plans. Generally, everybody who owns a car with clean title can obtain a title loan and no credit check is involved. Title loans are secured by the borrower’s car title. Title Loans in Austin will even let you drive the actual auto while paying back the loan.