Tower Loan

Installment loans · 13376 Research Blvd Ste 127, Anderson Mill

★ 4.3 · 35 ratingsHours listed

Se habla español

Should you go here?

Many bad reviews, and Texas caps what it can charge.

Borrowers leave more bad reviews here than at 60% of Austin stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.3★

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

What borrowers say ↓

Watch out

Bad reviews15%

of its written reviews are 1–2★, a higher share than at 60% 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 →0.6 mi away · small loansStepstone Credit — ★ 4.9, few bad reviews →

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

4.3Higher than 36% of Austin loan stores. City average is 4.3.

Lowest rated in AustinHighest

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

This store15%

Average Austin installment loan store13%

Bad reviews by year · 0% in 2026

242526

What borrowers say

Ask for Celia

Counted in 27 written reviews. Bars: mentions per 100.

What borrowers appreciate

Service in Spanish3 reviews · 11.1 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 address

At the store

Walk in, no appointment · 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.

Been to Tower Loan?

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

“For Spanish speakers Daya is the person to talk to and Zoi is so understanding and helpful with accounts”

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

About this lender

Installment loans.

Part of a chain: Tower Loan has 10 locations across the Texas cities we cover — San Antonio (2), El Paso (2), Austin (2), McAllen (1), Fort Worth (1), Houston (1), Corpus Christi (1). See the Tower Loan brand page.

Call Directions