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 come to us or to complete the application online. One of our customer representatives will contact you soon after you complete your online application. Our customer service representatives will work with you and answer all of your questions. Your car is actually an asset that you can use to get a loan. We offer several different payment plans and if you can pay back 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 history, but we do want to be sure that you are able to pay for the car title loan. We do ask that the customer 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 car.