Payment 1 Loans - Austin

Installment loans · also title loans · 6630 S Congress Ave, South Austin

★ 4.9 · 377 ratingsHours listed

Se habla español

Should you go here?

Well reviewed, and Texas caps what it can charge.

Borrowers leave fewer bad reviews here than at 71% of Austin stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Good sign

What borrowers say4.9★

377 ratings. Known for fast service. The owner answers complaints.

What borrowers say ↓

Good sign

Bad reviews2%

of its written reviews are 1–2★, a lower share than at 71% of Austin stores.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

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 routeAsk a credit union about a small-dollar loan first →0.1 mi away · pawn loansSmart Pawn & Jewelry — ★ 4.6 →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Austin.

Rating

4.9Higher than 69% of Austin loan stores. City average is 4.3.

Lowest rated in AustinHighest

Bad reviews (1–2★), share of written reviews

This store2%

Average Austin installment loan store13%

Bad reviews by year · 5% in 2026

21232526

What borrowers say

Ask for Cristela or Jazmin
Usually done in about 30 minutes
Known for fast service

Counted in 264 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service44 reviews · 16.7 per 100
Explains the terms clearly6 reviews · 2.3 per 100
Service in Spanish5 reviews · 1.9 per 100
Treats you with respect3 reviews · 1.1 per 100

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

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

Bring these

IDProof of incomeBank statementsProof of addressClear car title

At the store

Wheelchair access · Apply online first · Se habla español

What to bring is from their website.

Ask these at the counter

1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment 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

Before you borrow here, ask a credit union about a small-dollar loan.

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.

Nearby alternatives

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

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In borrowers’ own words

“Application process was fast & fast approval easy process I really appreciate the help thank you so much”
“Great costumer service, she was very detailed in explaining all the questions I had when it came to applying for my loan.”
“La mejor atención, y además, habla español.”
“Terrific service nice and respectful workers”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Installment loans, and also title loans.

An independent business, not part of a chain.

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