Discount Car Title Loan - Edinburg – 1002 W University Dr
Sources & References
https://texascartitleandpaydayloanservicesinc.com/title-loan-locations/tx1126/edinburg-78539
Need fast cash or cash advance in Edinburg, TX? Get up to $15,000 with our fast and easy title, payday, or installment loans. Apply online or visit our University Drive location today!
https://www.linkedin.com/company/discount-title-loan
DTLoans 199 followers on LinkedIn. Discount Title Loans provides Texas consumers access to secured short-term credit at the most competitive market rates. DTLoans is a consumer finance company that originates and services loans, providing Texas consumers access to secured short-term credit at the most competitive market rates. Our mission is to provide safer and more affordable loans. Quickly
https://www.dtloans.com/locations/edinburg-tx
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Frequently Asked Questions about Discount Car Title Loan - Edinburg
Title loan providers in Texas operate under the Credit Services Organization (CSO) Act and Texas Finance Code, without specific statewide licensing for payday or auto title loans, unlike other consumer lenders. Providers must disclose fees, terms, and consumer rights clearly, including repossession processes and post-repossession redemption periods. Lenders display current licenses visibly, with local rules varying by city on loan amounts and vehicle repossession.
For HB 768 (2025), single-payment title loans cap at the lesser of 3% of borrower income or 70% of vehicle value, limited to three refinances.
Visit the Texas Office of Consumer Credit Commissioner (occc.texas.gov) for updates and license verification.
For more information, consult the Texas Attorney General consumer protection pages and compare terms across lenders before borrowing. If exploring alternatives, consider lower-cost options such as personal loans from banks or credit unions. You can also review state-specific guidance on how title loans work in Texas.
History notes:
- Car title loans originated in the early 1990s to serve borrowers with limited access to traditional credit, using vehicle titles as collateral and often featuring high rates and risk of repossession.
- The Discount chain markets itself as providing secured short-term credit at competitive rates, with loan options ranging from 14–30-day balloons to 4–6 month amortized terms, highlighting a proprietary underwriting tool to tailor terms for customers.