Austin Car Title Loans uses your vehicle title as the collateral to create a loan for you. The application process will not take you much time and it is not very difficult. You can decide whether to visit us or to fill out the application online. One of our customer representatives will contact you soon after you finish your online application. Our customer service representatives will work with you and answer all of your questions. Your automobile is actually an asset that you can use to receive a loan. We offer installment payment plans and if you can pay off the loan early, you will not be charged pre-payment fees like with most other loan providers. We do not normally consider the borrower’s credit rating, but we do need to be sure that you are capable to pay for the car title loan. We do ask that the borrower provides some data 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.