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CAR TITLE LOANS BY BCY FINANCIAL, Inc. for Resident of Texas Only!
If you already have a title loan with one of our competitors, we can pay off your other car title loan and save you money on your new title loan with us.
Loan Amount
$100.00 – $10,100.00
Maximum Loan Terms
180 days
CSO Fee
Varies between 0.4600% to 0.6580% Daily
Lender’s Interest Rate
10% per annum
Lien Filling Fee
Either $28 or $33 depending on the county
Texas car title loan is a medium-term loan provided by one of our lending partners. It is repaid gradually in scheduled payments over a period of no more than 180 days, similar to a traditional installment loan. A Credit Access Business (CAB) installment loan may also be repaid early without any prepayment charges.
BCY Financial, Inc. operates as a CAB and will not be the lender for loans received at this site. We will attempt to arrange a loan between you and an unaffiliated third-party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by BCY Financial, Inc. and not the lender.
Credit Services
CSO’s credit services include:
- Arranging for consumers unsecured loans with terms not to exceed 180 days and an Amount Financed from $100.00 to $10,100.00, and with an annual interest rate not to exceed 10% (each a “Loan”);
- Helping consumers complete the paperwork (including the credit application) needed to get a Loan from Lender; and
- Providing to Lender in respect of each Loan from Lender a Letter of Credit (as defined above).
Repayment
Bi-weekly, semi-monthly (twice monthly) and monthly payment schedules available; Consumer may opt to pay by electronic payment.
Returned Payment Fee
$30 for any check, money order, payment (whether tangible or electronic), transfer or other instrument or item that is rejected or returned for any reason.
CSO Fee
The amount of the CSO Fee is calculated by multiplying the Amount Financed by the applicable daily CSO Fee percentage by the number of days in the loan term. The daily CSO fee percentage varies between 0.4600% to 0.6580% and will be determined based on the financed amount, creditworthiness of the consumer and whether has done business with CSO previously. Consumers who have a good history with CSO may qualify for the lower end of the percentage range.
Maximum Loan Terms
Lender makes loans secured by a CSO letter of credit, with terms not to exceed 180 days and an Amount Financed from $100.00 to $11,100.00.
Lender Interest
Lender interest accrues on the outstanding principal balance of the Loan at 10.00% per annum, daily simple interest. Interest will continue to accrue on past due principal amounts until paid in full.
Late Charge
$7.50 or 5% of the amount of the unpaid scheduled payment, whichever amount is greater, on any payment not paid in full within 10 days of the scheduled payment date.
Prepayment: There is no prepayment penalty.
Costs of Collection
To the extent permitted by law, Consumer will pay the costs of any attorney’s fees incurred in connection with the referral of the Loan Agreement to an attorney to collect the Loan after default.
Cancellation
You have the right to rescind your loan within three days of signing your loan contract. To access the cancellation forms, click here.(notice of cancellation)
Consumer Disclosure Forms
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
These following links lead to cost disclosures, required by the state of Texas for all residents applying for a multi-payment CAB loans, which outline the total costs associated with some common examples of these types of loans. All example have a 5 month (150-day) term and a $33 lien fee and assume that consumer is charged the highest daily CSO fee percentage applicable to such loan amount.
Get Started with Our Easy Inquiry Process!
Use our easy online inquiry process to get your title loan pre-approved within 24 hours or call us for instant pre-approvals at
Consumer Credit Notice
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question.
2601 North Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov
