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Clear Title Loan


 

If you’re sometimes short on cash, we understand. And if you have a vehicle, we have a solution. With a Clear Title Loan from CRCU, you can get the extra cash you need at a low, competitive rate.

  • Competitive interest rates
  • Discounts available
  • No hidden fees
  • No early payoff penalties
  • Flexible due dates to fit your schedule
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Benefits/Good to Know

  • Your name must be listed as an owner on the front of the title and all liens must be satisfied
  • Original signatures are required on the title applications and Power of Attorneys for title work
  • The credit union does not finance vehicles with the following title conditions: salvaged, reconditioned, branded and/or titles with odometer discrepancies
  • Insurance must include deductibles not to exceed $1,005
  • Title office charges $33 to add our lien to your title
  • Title office charges $90 New Resident Fee on non-Texas titles
  • Registration must be current and cannot expire in the next 60 days
  • Visual inspection of collateral may be required
  • Complete an application and electronically sign the document using a secure and intuitive online process. Please be aware that this process may verify your identity by asking a series of random "out-of-wallet" questions, which may be created from public record and credit databases.
  • A valid driver license is required
  • Employment information (including employer name and contact information)
  • Proof of income (pay check stub or W2)
  • Information about the vehicle (make, model, year, mileage, and VIN) or collateral
  • Title

Tools to buy or refinance your ride:

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Auto Loan Calculator

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GAP Insurance Available

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Two skip-a-pays every year

Skip a loan payment at your convenience.

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Auto Loan
Rates

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The Process

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Before you apply, be sure to gather the following:

  • Employment information (including employer name and contact information)
  • Proof of income (pay check stub or W2)
  • Information about the vehicle (make, model, year, mileage, and VIN) or collateral
  • Title

Prior to loan closing, be sure to:

  • Contact your insurance agent to add new lien information and retrieve a binder
  • Insurance binder should list CRCU as lienholder and have our PO Box address
  • Sign your loan documents in person – or electronically with our online application

For loan closing, please:

  • Present the vehicle for a visual inspection, if applicable
  • Bring a current state-issued photo ID

Need Assistance?

For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.

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*Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Restrictions may apply. CRCU membership required.  Contact us for details. 

FAQs

A clear title is required at time of closing.  You may apply for duplicate title with the department of motor vehicle.

The maximum amount will be dependent on the collateral value.

The auto cannot be older than 10 years.

Title transfer fees are the only fees that need to be collected at the time of loan closing.

Only one loan per title is available.

Typically, we do not allow CRCU loans to be refinanced. Please visit a personal financial officer for options available. 

A valid state-issued driver’s license is required.

Non-expired out-of-state driver’s licenses are acceptable.