Title Loans Up to $3,000.00

I need money but I still need my car for transportation...​

One of the perks of worry-free lending with Empire Capital & Loan is that you also get to keep and drive your car throughout your title loan! 

Frequently Asked Questions (FAQs)

How much can I borrow?

You can get up to $3,000 cash with a title loan. Your final loan approval amount will be determined by the value of your vehicle.

Can I complete the entire process online?

Although you can get a head start on your loan process by using our secure, online application, you must have your vehicle appraised and sign contracts in person. 

Does the car have to be registered in my name?

Yes, the car must be registered under your name, and the registration must be current. If there is a co-owner, both parties must be present.

Does my car need to be paid off in order to get a Title Loan?

Yes, your car must be paid off and you should have possession of the free and clear title, proving that their are no other lien holders on the vehicle.

Will my information be kept private?

Your privacy concerns and personal rights are always a priority at Empire Capital & Loan. Throughout the loan process, our security measures will keep your information completely confidential. 

What are the implications of late payment or non-payment?

Your loan is secured by the title to a motor vehicle, therefore the customer may be subject to their vehicle being repossessed for non-payment. The customer may also incur additional finance charges or may be charged a late payment fee when in default status.



Title Loan - Sherman, TX

At Empire Capital and Loan your car title is your credit. Title Loans are a quick and easy way to get cash using a lien-free title to your car instead of your credit score.

Our objective is to advance you as much cash as possible, while keeping your payments manageable. 

We make this process easy and quick with only a few more steps than our Installment Loans. 

You can speed up your loan process by getting pre-approved online. If you have questions at any time please give us a call.


Apply Today for FAST APPROVAL! 

How does it work?

  • Fill out an application online for pre-approval or stop by our office and fill out a paper application. 

  • Bring your vehicle and lien-free vehicle title to Empire Capital & Loan. 

  • One of our agents will complete a quick appraisal and then determine a transaction amount based upon your need and the appraised value of your vehicle.

  • Upon approval, you will receive the funds you need and retain the use of your vehicle.

  • Make payments online or at Empire Capital & Loan Office.

  • Once your account balance is paid in full you will receive your title back. 

What items do I need to apply?

  • Driver's License or ID Card

  • Social Security Card

  • Free & Clear Texas Auto Title

  • Proof of Current Residence

  • Vehicle for Inspection

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Empire Capital and Loan adheres to and complies with all state and federal regulations and requirements for credit card transactions. Empire Capital and Loan only services customers in the state of Texas as licensed by law. 

Empire Capital and Loan has a standard fee of $25/$100 borrowed as outlined on the fees and disclosures page. For complete details and all repayment charges checkout the fees and disclosure page.