In Garland, title loans are easy to get and hard to finish. If you’ve been paying for months and the balance looks about the same, you’re not doing anything wrong. These loans are just hard to get ahead of.
Does any of this sound like you?
Reminders, follow-ups, and maybe calls to your references or your job. It’s stressful and embarrassing.
When they call your job →It seemed like the only way to keep up, and now there are two payments instead of one.
Stuck with more than one loan →Not your family, maybe not even your partner. Carrying it alone makes it heavier.
With your credit where it is, it feels like nobody else will give you a chance.
Bad credit doesn’t close every door →A car repair, a short paycheck, rent that came up short. One rough month turned into a year of payments.
From emergency to stuck →Trading in means coming up with cash you don’t have, or rolling the old debt into an even bigger loan.
If it feels impossible to get ahead, that isn’t a personal failing. These loans are hard to finish.
- The Pew Charitable Trusts found that the average title loan borrower pays about $1,200 in fees to borrow $1,000, and that a typical payment takes about half of a borrower’s monthly income.
- Half of the borrowers Pew surveyed used the loan for regular bills, not a one-time emergency, and a third had no other working vehicle at home.
- The Consumer Financial Protection Bureau found that more than 4 in 5 single-payment title loans are renewed the day they’re due.
- In mid-2026, nearly 3 in 10 people trading in a car toward a new one owed more than it was worth, by an average of $6,884, according to Edmunds.
Where ReDrive fits
We work with people in Garland and across Dallas–Fort Worth who are dealing with exactly this. Tell us about your loan, and we’ll look at your whole situation, not just your credit score. If we can help, we’ll show you options that may fit, in writing, with no pressure. If we can’t, we’ll tell you that honestly.
Most people we hear from have either a high-interest title loan (see Title Payoff) or a car loan where they owe more than the car is worth (see Take Over Payments).
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Research sources: The Pew Charitable Trusts, Auto Title Loans (2015); Consumer Financial Protection Bureau, single-payment auto title loan report (2016); Edmunds Q2 2026.
Common questions
Can ReDrive help with a title loan in Garland?
Often, yes. Every situation is different, so we start by learning about your loan and then show you any options we can offer, in writing.
Will checking my options affect my credit?
No. We don’t pull your credit to review your situation.
What does it cost to see my options?
Nothing. The review is free and there’s no obligation to move forward.
See what your options look like.
Tell us a little about your loan and we’ll follow up with options that fit your situation, in writing. It’s free, there’s no obligation, and we don’t pull your credit.
See my options →Or call us: (817) 382-2093 · ReDrive Solutions, Plano, TX
ReDrive Solutions is not a lender and is not affiliated with, endorsed by, or sponsored by any company named on this site. Company names are used only to identify the kinds of loans people ask us about. This page is general information, not legal or financial advice. Every situation is different, and any option we offer is explained in writing before you agree to anything.