VIP Title Loans

Title loans · 12095 Garland Rd

★ 4.7 · 24 ratingsHours listed

Should you go here?

Many bad reviews, and the loan is expensive.

Borrowers leave more bad reviews here than at 69% of Dallas stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Watch out

What borrowers say4.7★

24 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

Bad reviews11%

of its written reviews are 1–2★, a higher share than at 69% of Dallas stores.

How it compares ↓

Watch out

What it costs$190 / month

In fees on a $1,000 loan, at the Dallas area average. Texas sets no cap on these fees.

Work out your cost ↓

Watch out

Risk to your car6 in 100

Title-loan cars in the Dallas area were repossessed last quarter (OCCC, Q2 2026).

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $502 on $1,000 over 3 months →1.0 mi away · payday loansPLS Check Cashers — ★ 4.9, few bad reviews →

From ratings and written reviews of this store and state fee data (OCCC, Q2 2026). Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Dallas.

Rating

4.7Higher than 39% of Dallas loan stores. City average is 4.5.

Lowest rated in DallasHighest

Bad reviews (1–2★), share of written reviews

This store11%

Average Dallas title loan store1%

What borrowers say

Stars in its 18 written reviews

5★16
4★0
3★0
2★0
1★2

Latest review Dec 2025 · 1 in the last year · Owner replied to 10 of 18

No one thing comes up often enough to count as a theme.

Work out what you’d repay

Title lenders in the Dallas area report an average fee of $18.97 per $100 for 30 days (OCCC, Q2 2026). Texas sets no cap on these fees, so ask this store for its own.

I want to borrow

and pay it back

You’d pay in total

$1,190

$1,000 you borrowed$190 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $190 each month and doesn’t reduce what you owe.

Before you go

What to take, and what to ask before you sign.

Bring these

IDProof of incomeBank statementsSSN or ITINProof of addressClear car title

At the store

Walk in, no appointment · Wheelchair access · Apply online first

What to bring is from their website.

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you hand over your title.
2
What happens if I’m late?
Ask how many days before they can take the car.
3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.

Car title loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Need $1,000 for 3 months? A credit-union loan could save you about $502.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Credit-union PAL$1,067

This title loan, renewed twice$1,569

Total repaid on $1,000 over 3 months, at the Dallas area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

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About this lender

Title loans.

Part of a chain: VIP Title Loans has 2 locations across the Texas cities we cover — Dallas (2).

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