The Texas Office of Consumer Credit Commissioner (OCCC) publishes the numbers, and they show that title loans are a big part of life in Dallas–Fort Worth. In the OCCC’s report for the first quarter of 2026 (January through March), title loan businesses reported 1,203 vehicle repossessions in the Dallas-Plano-Irving area out of 35,315 active title loan accounts, and 591 repossessions in Fort Worth-Arlington out of 15,527 active accounts. Below are the rest of the figures, exactly as the state published them, and what you can do if one of those accounts is yours.
You’re not alone
If you have a title loan in DFW, you have a lot of neighbors in the same spot. In the OCCC’s annual report for calendar year 2025, title loan businesses in the Dallas-Plano-Irving area reported 18,827 consumers with single-payment title loans and 16,006 with installment title loans. In Fort Worth-Arlington, the counts were 6,027 and 8,474. Nationally, the Consumer Financial Protection Bureau’s study of nearly 3.5 million single-payment title loans found that more than four in five were renewed on the day they were due. These numbers aren’t about bad choices. They describe a product that is hard to finish, used by a lot of hard-working people. And there are ways to look at your options.
Where these numbers come from
Businesses that arrange title loans in Texas report their activity to the OCCC, and the OCCC publishes it every quarter and every year, broken down by metro area. The reports split Dallas–Fort Worth into two parts: the Dallas-Plano-Irving division and the Fort Worth-Arlington division. Every figure here comes from one of these reports, as reported by the license holders themselves:
- CAB Quarterly Report, 1st Quarter 2026, metro-area compilation (data as of August 12, 2026)
- CAB Quarterly Report, 4th Quarter 2025, metro-area compilation (data as of March 24, 2026)
- CAB Annual Report, Calendar Year 2025, metro-area compilation (data as of March 24, 2026)
- CAB Annual Data Report, CY 2025, statewide (published April 24, 2026)
The annual report counts consumers “unique to location,” so a person with loans at two different stores may be counted twice.
Repossessions in Dallas–Fort Worth
- Dallas-Plano-Irving, Q1 2026: 1,203 repossessions; 35,315 active accounts; 3.41 per 100 active accounts
- Fort Worth-Arlington, Q1 2026: 591 repossessions; 15,527 active accounts; 3.81 per 100 active accounts
- Dallas-Plano-Irving, Q4 2025: 1,706 repossessions; 43,848 active accounts; 3.89 per 100 active accounts
- Fort Worth-Arlington, Q4 2025: 1,113 repossessions; 18,239 active accounts; 6.10 per 100 active accounts
- All of Texas, Q1 2026: 10,903 repossessions; 166,045 active accounts; 6.57 per 100 active accounts
Source: OCCC CAB Quarterly Reports, Q4 2025 and Q1 2026, “Repossession Figures for Title Lenders.” Behind each of those numbers is a household, and for many of them the car is how they get to work.
In just the first three months of 2026, title lenders reported 1,203 repossessions in Dallas-Plano-Irving and 591 in Fort Worth-Arlington.
Renewals: how often DFW title loans get refinanced
In the OCCC reports, a “refinance” of a title loan is what most borrowers call a renewal or a rollover: paying to push the due date out instead of paying the loan off. Here is what the state reported for single-payment title loans, the kind with one due date about a month out:
- Dallas-Plano-Irving: 38,227 loans and refinances; 56.55% of consumers refinanced; 1.38 refinances per consumer on average; 30-day original term; $18.88 in fees per $100 loaned
- Fort Worth-Arlington: 14,862 loans and refinances; 59.42% of consumers refinanced; 1.46 refinances per consumer on average; 30-day original term; $18.37 in fees per $100 loaned
In the fourth quarter of 2025, the share of consumers who refinanced a single-payment title loan was 35.08% in Dallas-Plano-Irving and 31.46% in Fort Worth-Arlington. Installment title loans, which are paid over several months, showed far fewer refinances in Q1 2026: 7.01% of consumers in Dallas-Plano-Irving and 9.34% in Fort Worth-Arlington, with original terms of 154 and 157 days.
The statewide annual report shows what happens over a longer stretch. Of the single-payment title loans that were paid off or closed in Texas during 2025, 7,561 closed without ever being refinanced. Another 3,485 had been refinanced 7 to 10 times, and 4,849 had been refinanced more than 10 times before they closed. If you’ve renewed more times than you can count, our guide to the title loan renewal cycle explains why it happens.
A full year in DFW: 2025 by the numbers
- Dallas-Plano-Irving, single-payment title loans: 38,290 new loans; 51,821 refinances; $58,554,795 in total fees
- Dallas-Plano-Irving, installment title loans: 19,932 new loans; 7,230 refinances; $48,207,688 in total fees
- Fort Worth-Arlington, single-payment title loans: 13,867 new loans; 18,976 refinances; $24,414,005 in total fees
- Fort Worth-Arlington, installment title loans: 10,385 new loans; 3,820 refinances; $33,428,357 in total fees
In the Dallas-Plano-Irving area, single-payment title loans were refinanced more often than new ones were made: 51,821 refinances against 38,290 new loans in 2025. In Fort Worth-Arlington it was 18,976 against 13,867.
What the national research adds
The CFPB’s 2016 study of single-payment title loans (nearly 3.5 million records from 2010 through 2013, from nonbank lenders) found the same pattern the Texas numbers show:
- More than four in five title loans were renewed on the day they were due.
- In only about 12% of cases did borrowers pay the loan off with one payment, without reborrowing.
- In more than half of cases, borrowers took out four or more loans in a row.
- About one in five borrowers had their car or truck seized.
Thinking about a title loan refinance or buyout? Start with your own numbers
Statewide numbers can tell you that you’re not the only one. Only your own numbers can tell you what to do next. If you’re searching for a way to refinance your title loan, or you’ve heard the term title loan buyout, here’s the plain version: a refinance usually means another title lender pays off your loan and writes you a new one; a buyout means another company pays your current title lender directly, the lender releases its hold on your title, and you then work with that company under a new written agreement. Before you compare anything:
- Get your payoff amount in writing. It’s the real number you’re working against. Here’s how to read your title loan payoff amount.
- Count your renewals and fees. Look at your receipts or statements and add up what you’ve paid so far, and how much of it lowered the balance.
- Get every option in writing. Compare the total cost, the payment, the end date, the fees and what happens to your title, side by side. Our title loan refinance & buyout guide explains how each one works.
Where ReDrive fits in
Our team in Plano, TX works with people across Dallas–Fort Worth who are stuck in exactly the loans these reports count. If you’re renewing month after month, or you’re worried about falling behind, bring your title loan agreement and your payoff amount and we’ll go through it with you, honestly and without judgment. We’ll help you see what options you may have with ReDrive, including our title loan refinance & buyout program, so you can decide with real numbers in front of you.
Quick answers
How many cars are repossessed on title loans in Dallas–Fort Worth?
According to the Texas Office of Consumer Credit Commissioner’s quarterly report for January through March 2026, title loan businesses reported 1,203 vehicle repossessions in the Dallas-Plano-Irving area (out of 35,315 active accounts, or 3.41 per 100) and 591 in Fort Worth-Arlington (out of 15,527 active accounts, or 3.81 per 100). In the fourth quarter of 2025, the figures were 1,706 and 1,113.
How often are title loans renewed in Dallas–Fort Worth?
In the OCCC’s first-quarter 2026 report, 56.55% of consumers with single-payment title loans in the Dallas-Plano-Irving area refinanced (renewed) their loan during the quarter, and 59.42% did in Fort Worth-Arlington. For all of 2025, Dallas-Plano-Irving title loan businesses reported 51,821 refinances of single-payment title loans against 38,290 new loans.
Where does Texas title loan data come from?
Businesses that arrange title loans in Texas report their activity to the Texas Office of Consumer Credit Commissioner (OCCC), which publishes quarterly and annual reports broken down by metro area, including the Dallas-Plano-Irving and Fort Worth-Arlington divisions. The figures are reported by the license holders and can be revised.
Can a title loan refinance or buyout help if I keep renewing?
It can be worth looking at. A refinance usually means another title lender pays off your loan and writes you a new one; a buyout means another company pays your current lender directly and you then work with that company under a new written agreement. Whether either one helps depends on your payoff amount, your income and your car, so get your payoff amount in writing and compare every option in writing before you sign anything.
Thinking about a title loan refinance or buyout?
A lot of people in this spot start searching for a way to refinance their title loan, or for a company that will do a title loan buyout. A refinance usually means another title lender pays off your loan and writes you a new one. A buyout means someone else pays your current title lender directly, so that loan gets closed out.
With ReDrive’s title loan refinance & buyout, we pay your title lender directly, and you work with ReDrive under a written agreement with a clear end date. To compare a refinance, a buyout and your other choices side by side, read Title loan buyout & refinance explained, or see what options you may have with ReDrive below.
One of the people behind these numbers? Let’s look at your options.
Every situation is different. Tell us a little about your loan and your car, and we’ll walk you through the options you may have with ReDrive. No cost, no obligation, no pressure.
Explore options with ReDrive →Or call us: (817) 382-2093 · ReDrive Solutions, Plano, TX
This article is general information, not financial or legal advice. Programs, rates, and eligibility vary by lender and change over time. Always confirm the full terms in writing before you sign anything.