Better Than Payday

Payday loans · 12 Frost St, Downtown Austin

No ratings yetHours listed

Should you go here?

Too few reviews to judge, but the loan itself is expensive.

It has too few written reviews to compare with other stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Not enough data

What borrowers sayNo ratings

Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

What it costs$502 / month

In fees on a $1,000 loan, at the Austin area average. Texas sets no cap on these fees.

Work out your cost ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $1,438 on $1,000 over 3 months →0.8 mi away · small loansAmerican Eagle Loans — ★ 4.8, few bad reviews →

From ratings and written reviews of this store and state fee data (OCCC, Q2 2026). Checked September 2026. We don’t lend and no store pays us.

What borrowers say

No reviews yet.

Places nearby with reviews ↓

Work out what you’d repay

Payday lenders in the Austin area report an average fee of $28.43 per $100 for 17 days (OCCC, Q2 2026) — about $50.17 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.

I want to borrow

and pay it back

You’d pay in total

$1,502

$1,000 you borrowed$502 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $502 each month and doesn’t reduce what you owe.

Before you go

What to take, and what to ask before you sign.

Bring these

Their website doesn’t list documents. Call ahead and ask what to bring.

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you sign.
2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.

Payday loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Need $1,000 for 3 months? A credit-union loan could save you about $1,438.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Credit-union PAL$1,067

This payday loan, renewed twice$2,505

Total repaid on $1,000 over 3 months, at the Austin area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

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About this lender

Payday loans.

An independent business, not part of a chain.

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