Service Loans

Payday loans · 2121 E Oltorf St Ste 12-a, Parker Lane

★ 4.9 · 431 ratingsHours listed

Should you go here?

Well reviewed, but the loan itself is expensive.

Borrowers leave fewer bad reviews here than at 75% of Austin stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Good sign

What borrowers say4.9★

431 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 75% of Austin stores.

How it compares ↓

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 →0.0 mi away · installment loansWorld Finance — ★ 4.9, 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.

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 payday loan store8%

Bad reviews by year · 1% in 2026

23242526

What borrowers say

Ask for Henrietta
Known for fast service
The owner answers complaints

Counted in 288 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service28 reviews · 9.7 per 100
Treats you with respect7 reviews · 2.4 per 100
Explains the terms clearly6 reviews · 2.1 per 100

What to watch for

Rude staff3 reviews · 1 per 100

Complaints are counts only.

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

Proof of incomeProof of address

At the store

Wheelchair access · Apply online first

What to bring is from their website.

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.

Been to Service Loans?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

Write a review

In borrowers’ own words

“Agent was very helpful and the process was fast and painless”
“Everyone here is amazing and very respectful and help you every step of the way.”
“David is very polite and helpful in explaining many options for renewing my loan”

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

About this lender

Payday loans.

Part of a chain: Service Loans has 3 locations across the Texas cities we cover — Austin (1), Dallas (1), San Antonio (1).

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