Loan places in Austin

125 real storefronts where you can borrow or cash a check. · … of 129 open right now (Austin time).

Payday17 Title14 Installment43 Pawn20 Check cashing33of 129 · many offer several

What a loan costs here$28.43 per $100payday, paid back at once$18.94 per $100title, paid back at onceAustin area averages, OCCC Q2 2026 · Full breakdown ↓

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23 listings in Austin are probably not stores. We left them off this list and the map. See the 13 names →

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I need and I have .

Optional. Your answers reprice the cheapest-route comparison.

Neighbourhood

Known for 121 of 129 places. The rest still show under “All”.

Opening hours

Hours are listed for 108 of 129 places — the others say “call ahead”.

Reviews

59% of places here are rated 4.5 or higher, so stars rarely separate them. “Reassuring reviews” uses what borrowers write about.

23 listings here are probably not stores. See which

Cheaper than a payday loan: borrow $500 for a month

Credit-union loan (PAL)You repay $532 $32 in interest and fees

Payday loan, renewed onceYou repay $784 $284 in fees, at the Austin area average

What’s a PAL, and where these numbers come from

PAL — a Payday Alternative Loan from a federal credit union: $200 to $2,000, repaid over 1 to 12 months, capped at 28% a year plus a fee of at most $20. You usually join the credit union first.

Payday: the average fee of $28.43 per $100 that licensed stores in the Austin area reported to the state (OCCC, Q2 2026), paid twice for a month. PAL: the federal cap of 28% a year for one month plus a $20 fee (12 CFR 701.21).

129 places · page 2 of 7

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Storefronts in Austin

PLS Check Cashers
No hours listed · call ahead
1909 E William Cannon Dr · South Creek★ 4.8 (344)Chain · 2 here
Payday loansCheck cashing · Money transfer · Money orders
- Cashes insurance and settlement checks
- Known for fast service
Fewer bad reviews than 60% here
Call(512) 643-6832 View details
Smart Pawn & Jewelry
Hours listedOpen late · Open Sundays
5416 Menchaca Rd · Westgate★ 4.7 (348)Chain · 5 here
Pawn loansBuys gold & jewelry
- Known for a clean store
- Known for treating people with respect
Fewer bad reviews than 59% here
Call(512) 443-5500 View details
Smart Pawn & Jewelry
Hours listedOpen late · Open Sundays
11304 N Interstate Hwy 35 · Walnut Forest★ 4.7 (347)Chain · 5 here
Pawn loansBuys gold & jewelry
- Deals in jewelry and gold
- Known for a clean store
- Common complaint: rude staff
More bad reviews than 55% here
Call(512) 836-3458 View details

Smart Pawn & Jewelry
Hours listedOpen late · Open Sundays
2121 W Parmer Ln #109-b · North Austin★ 4.5 (356)Chain · 5 here
Pawn loansBuys gold & jewelry
- Deals in guns, jewelry and gold and electronics
- Known for a clean store
- Common complaint: rude staff
More bad reviews than 59% here
Call(512) 977-8000 View details
Sun Loan Company
Hours listed
7419 Burnet Rd · Crestview★ 4.9 (307)Chain
Installment loansTax preparation
- Ask for Vicente or Shantell
- Known for fast service
Fewer bad reviews than 70% here
Call(512) 873-7881 View details
World Finance
Hours listed
8760A Research Blvd · Wooten★ 4.9 (302)Chain · 4 here
Installment loansTax preparation
- Ask for Martha or Maria
- Known for fast service
Fewer bad reviews than 77% here
Call(512) 975-2069 View details
ACE Cash Express
Hours listedOpen late
5341 Cameron Rd · University Hills and Windsor Park★ 4.7 (297)Chain · 3 here
Payday loansCheck cashing · Money transfer · Money orders · +1 more
- Cashes government checks
- Known for fast service
Fewer bad reviews than 62% here
Call(512) 458-5498 View details
Smart Pawn & Jewelry
Hours listedOpen late · Open Sundays
111 W William Cannon Dr c1 · Dittmar-Slaughter★ 4.6 (296)Chain · 5 here
Pawn loansBuys gold & jewelry
- Ask for Christina or Brian
- Deals in jewelry and gold, tools and guns
More bad reviews than 52% here
Call(512) 447-9327 View details
World Finance
Hours listed
2121 E Oltorf St Ste 8-A · Parker Lane★ 4.9 (253)Chain · 4 here
Installment loansTax preparation
- Ask for Michia or Elias
- Known for fast service
Fewer bad reviews than 78% here
Call(512) 804-2854 View details
ACE Cash Express
Hours listedOpen late
2237 E Riverside Dr #102 · Riverside★ 4.7 (246)Chain · 3 here
Payday loansCheck cashing · Money transfer · Money orders · +1 more
- Ask for Linda
- Usually done in about 10 minutes
- Common complaint: rude staff
More bad reviews than 51% here
Call(512) 447-5682 View details
1st Franklin Financial
Hours listed
500 W William Cannon Dr #426 · South Austin★ 5.0 (207)Chain · 2 here
Installment loans
- Ask for Carlos or Jennifer
- Known for fast service
Fewer bad reviews than 86% here
Call(512) 448-3991 View details
Loanstar Title Loans
Hours listed
1712 W Howard Ln · Idyle Hour Acres★ 4.7 (217)Chain
Title loans
- Ask for Janet or Henry
- Known for fast service
- Complaints go unanswered
Fewer bad reviews than 56% here
Call(512) 252-2234 View details
ACE Cash Express
Hours listedOpen late
730 W Stassney Ln Ste 150 · South Manchaca★ 4.6 (204)Chain · 3 here
Payday loansCheck cashing · Money transfer · Money orders · +1 more
- Ask for Margaret
- Known for fast service
Fewer bad reviews than 55% here
Call(512) 447-9371 View details
1st Franklin Financial
Hours listed
4631 Airport Blvd #120 · North Loop★ 4.9 (158)Chain · 2 here
Installment loans
- Ask for Ruby
- Known for fast service
Fewer bad reviews than 74% here
Call(512) 459-1743 View details
Stepstone Credit
Hours listed
13200 Pond Springs Rd A107 · Pond Springs★ 4.9 (146)Chain · 4 here
Small loans
- Known for explaining the terms clearly
- Known for fast service
Fewer bad reviews than 81% here
Call(512) 456-7102 View details
Heights Finance
Hours listed
12710 Research Blvd #310 · Twin Rock At Oak Knoll★ 4.9 (126)Chain
Installment loans
- Ask for Kayla
- Known for fast service
Fewer bad reviews than 68% here
Call(512) 595-7480 View details
Atlas Credit Co., Inc.
Hours listed
4410 E Riverside Dr Ste 104 · Pleasant Valley★ 4.6 (134)Chain
Installment loans
- Complaints go unanswered
More bad reviews than 60% here
Call(512) 480-0030 View details
Texan Credit Corporation
Hours listed
8222 N Lamar Blvd d35 · North Austin Civic Association★ 4.8 (124)Chain
Installment loans
- Known for fast service
Fewer bad reviews than 64% here
Call(512) 832-5200 View details
Mariner Finance
Hours listedOpen late
2110 W Slaughter Ln #180 · Tanglewood Village★ 4.6 (103)Chain
Installment loans
- The owner answers complaints
More bad reviews than 58% here
Call(512) 827-0750 View details
Cash America Pawn
Hours listedOpen late · Open Sundays
7935 Burnet Rd · Wooten★ 4.3 (101)Chain · 11 here
Pawn loansBuys gold & jewelry
- Deals in jewelry and gold
- Complaints go unanswered
More bad reviews than 64% here
Call(512) 452-7296 View details

Full A–Z directory of all 129

Probably not stores

Listed as loan stores in Austin, but probably not stores

These 23 listings, under 13 names, show up on maps and in search like any loan shop. The evidence says there is no store to visit — you would reach a website or a call centre that passes your details on. We leave them off the map and the list above. Grouped by the evidence we found.

One website template, 1,270 listings 12 listings · 7 names
They link to a website built from one template shared by 1,270 listings under 9 brand names — the footprint of a marketing network, not a local shop.
5 Star Car Title Loans2 5 Star Payday Loans1 Loan For Any Purpose2 Montana Capital Car Title Loans3 Primo Personal Loans2 Superb Cash Advance1 US Cash Advance1
Show the 12 addresses
Their websites say they aren't the lender 3 listings · 3 names
The website each name links to describes itself as a go-between, and people reviewing other listings that link to it report there was no office. Each name's page quotes what its site says.
2nd Chance Bad Credit Loans1 Magnolia Payday Loans1 NCCL No Credit Check Loans1
Show the 3 addresses
Reviews stuffed with keywords 5 listings · 2 names
Many of the written reviews under these names are stuffed with place and loan keywords — a pattern of marketing listings, rarely of real stores.
5 Star Car Title Loans1 Montana Capital Car Title Loans4
Show the 5 addresses
Too few reviews for a chain that size 3 listings · 3 names
Dozens of listings share one loan website but average only a few written reviews each.
Fusion Cash Advance1 Texas Title Loans1 Trust Payday Loans1
Show the 3 addresses