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 complicated. You can decide whether to visit us or to complete the application online. One of our customer representatives will contact you shortly after you complete your online form. Our customer service representatives will work with you and answer all of your questions. Your vehicle is actually an asset that you can use to borrow a loan. We offer installment payment plans and if you can repay the loan early, you will not be charged pre-payment penalties like with most other lenders. We do not generally consider the customer’s credit score, but we do want to be sure that you are capable to pay for the car title loan. We do ask that the client provides some data about his or her employment or some other source of regular income. We believe you, because we know that you understand that the loan is secured by your own title to the car.