Atlas Credit Co., Inc.

Installment loans · 222 Jefferson Blvd B, Oak Cliff

★ 4.9 · 211 ratingsHours listed

Should you go here?

Well reviewed, and Texas caps what it can charge.

Borrowers leave fewer bad reviews here than at 89% of Dallas stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Good sign

What borrowers say4.9★

211 ratings. Known for explaining the terms clearly.

What borrowers say ↓

Good sign

Bad reviews1%

of its written reviews are 1–2★, a lower share than at 89% of Dallas stores. 1st of 3 Atlas Credit Co., Inc. branches here.

How it compares ↓

Check it

What it costsCapped

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

Good sign

Who they lend to

No bank account needed.

Before you go ↓

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 →0.0 mi away · small loansLoan Express — ★ 4.8 →

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

How it compares

Against every loan store in Dallas and every other Atlas Credit Co., Inc. branch.

Rating

4.9Higher than 57% of Dallas loan stores. City average is 4.5.

Lowest rated in DallasHighest

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

This store1%

Average Atlas Credit Co., Inc. branch in Dallas7%

Average Dallas installment loan store8%

What borrowers say

Known for explaining the terms clearly

Counted in 148 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service10 reviews · 6.8 per 100
Explains the terms clearly6 reviews · 4.1 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 statementsSSN or ITINProof of address

Who they lend to

No bank account needed

At the store

Apply online first

Pay by mail, by phone (debit card)Customer service 903-258-9965

From atlascredit.com, checked September 2026

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
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 Atlas Credit Co., Inc.?

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In borrowers’ own words

“Ask for Emmanuel S., he was fast at getting me set up AND made the loan process quick and painless..”
“Definitely calmed my nerves and explained the whole process in a way that was understandable to myself and my husband”

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: Atlas Credit Co., Inc. has 16 locations across the Texas cities we cover — Laredo (3), Dallas (3), San Antonio (3), Houston (2), Fort Worth (1), Austin (1), Brownsville (1), McAllen (1), Corpus Christi (1). See the Atlas Credit Co., Inc. brand page.

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