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The lender uses your vehicle as collateral, so having bad credit wont necessarily affect your chances of getting a title loan. If you miss payments, the lender has the option to seize your car. This is whats known as repossession.
You dont just risk your vehicle with a title loan; you also pay extremely high fees and interest rates. And Texas is one of the few states that have not taken steps to regulate these loans according to the Texas Fair Lending Alliance.
(1) There are better mtb personal loan available, so youd do best to avoid title loans.