Does this sound familiar?
You make the payment every time, on time, and the balance barely moves. It’s exhausting to work that hard and feel like you’re standing still.
Why the balance doesn’t move →You pay, the loan renews, and next month it’s the same thing again. There’s no finish line in sight.
Breaking the renewal cycle →Rent, groceries, the light bill, the kids’ needs. Everything else gets squeezed so this one payment gets made.
It’s how you get to work, get the kids to school, and get to the doctor. The thought of it being gone keeps you up at night.
What happens if you fall behind →Even when you’re current, the worry doesn’t go away. One short week and everything could change.
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 →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.
Where Title Payoff fits
Title Payoff was built for people in exactly this spot. If it’s a fit, ReDrive pays off your title lender directly, and you repay ReDrive under a written agreement built around your situation, with a clear end date instead of renewing month after month. Every situation is different, so we start by listening, and every detail is explained in writing before you sign.
Looking to refinance your title loan?
A lot of people who find us were searching for a way to refinance a title loan. A refinance usually means a different title lender pays off your loan and gives you a new one. Title Payoff gets you to the same first step, with your current title lender paid off, but it isn’t a new loan from another title lender. ReDrive pays your lender directly, and you repay ReDrive under a written agreement with a clear end date.
| Refinance with another title lender | ReDrive Title Payoff | |
|---|---|---|
| Your current title loan | Paid off by the new title lender | Paid off by ReDrive, directly |
| What you sign | A new title loan | A written agreement with ReDrive, explained before you sign |
| End date | Depends on the new loan’s terms | Written into your agreement |
| Credit check | Varies by lender | No credit pull to review your situation |
| How fast | Varies by lender | Written options in 24–48 hours; same-day close possible |
| If you’re behind | Many require you to be current | Behind is OK. Reach out before a repo starts. |
Whichever way you go, compare these before you sign anything:
- The total you’ll pay from today until you’re done, not just the monthly payment.
- Whether there’s a firm end date, or whether the balance can roll over again.
- Every fee, and whether there’s a penalty for paying early.
- What happens if you miss a payment.
How it works
- Tell us about your loanA short form or a quick call: your lender, what you owe, your monthly payment, and your vehicle. No Social Security number and no credit pull.
- We review your situationWe look at your loan and what you can comfortably afford.
- You get your options in writingUsually within 24–48 hours. If we don’t think we can help, we’ll tell you that too.
- You decideTake your time, ask questions, and have someone you trust look it over. There’s no obligation.
Who it’s for
- People with title loans from TitleMax, LoanStar, CashMax, and other lenders (see lenders).
- People who have been renewing and want a way to finish.
- Texans, with a focus on Dallas–Fort Worth.
Every situation is different, so every option is put together for your loan and explained in writing.
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
Who is Title Payoff for?
People paying on high-interest title loans that keep renewing and want a way to finish.
Will this affect my credit?
We don’t pull your credit to review your situation.
What does it cost to find out?
Nothing. The review is free and there’s no obligation to move forward.
Is Title Payoff the same as refinancing my title loan?
Not quite. Instead of giving you a new title loan, we pay off your title lender directly, and you repay ReDrive under a written agreement that’s explained before you sign.
Can you pay off my title loan if I’m behind on payments?
Often, yes. Whether you’re current, behind, or have received a repossession notice, we can often help. Reach out early: we can’t stop a repossession that’s already in progress.
Which title lenders can you pay off?
We work with title loans from TitleMax, LoanStar, CashMax, Texas Car Title & Payday, Power Finance, 1st Choice Money Center and others. Every case is reviewed individually.
How fast can my title loan be paid off?
We usually send written options within 24–48 hours. Once you sign, Title Payoff can often close the same day, and we send the payoff to your lender directly.
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 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.