Payment 1 Loans - Brownsville - Southmost Blvd.

Title loans · also tax preparation · 2305 Southmost Rd Ste. 1, Southmost

★ 5.0 · 236 ratingsHours listed

Should you go here?

Well reviewed, but the loan itself is expensive.

Borrowers leave fewer bad reviews here than at 80% of Brownsville stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Good sign

What borrowers say5.0★

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

What borrowers say ↓

Good sign

Bad reviews0%

of its written reviews are 1–2★, a lower share than at 80% of Brownsville stores.

How it compares ↓

Watch out

What it costs$193 / month

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

Work out your cost ↓

Watch out

Risk to your car5 in 100

Title-loan cars in the Brownsville area were repossessed last quarter (OCCC, Q2 2026).

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 $512 on $1,000 over 3 months →0.3 mi away · installment loansWorld Finance — ★ 5.0, 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 Brownsville.

Rating

5.0Higher than 55% of Brownsville loan stores. City average is 4.8.

Lowest rated in BrownsvilleHighest

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

This store0%

Average Brownsville title loan store1%

Bad reviews by year · 0% in 2026

21222426

What borrowers say

Counted in 80 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service6 reviews · 7.5 per 100

Work out what you’d repay

Title lenders in the Brownsville area report an average fee of $19.30 per $100 for 30 days (OCCC, Q2 2026). 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

$1,193

$1,000 you borrowed$193 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $193 each month and doesn’t reduce what you owe.

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

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 hand over your title.
2
What happens if I’m late?
Ask how many days before they can take the car.
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.

Car title 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 $512.

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 title loan, renewed twice$1,579

Total repaid on $1,000 over 3 months, at the Brownsville 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 Payment 1 Loans - Brownsville - Southmost Blvd.?

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In borrowers’ own words

“Excelente trato super rápido 100%recomendado te aclaran cualquier duda 😉”

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

About this lender

Title loans, and also tax preparation.

An independent business, not part of a chain.

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