Justice Finance

Installment loans · also payday loans · 314 W Jefferson Blvd, Oak Cliff

★ 4.7 · 103 ratingsHours listed

Same-day money

Should you go here?

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

Borrowers leave more bad reviews here than at 62% of Dallas stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.7★

103 ratings. Known for fast service. Known for explaining the terms clearly.

What borrowers say ↓

Watch out

Bad reviews7%

of its written reviews are 1–2★, a higher share than at 62% of Dallas 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 · small loansLoan Express — ★ 4.8 →

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 Dallas.

Rating

4.7Higher than 39% of Dallas loan stores. City average is 4.5.

Lowest rated in DallasHighest

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

This store7%

Average Dallas installment loan store8%

Bad reviews by year · 0% in 2026

2122232526

What borrowers say

Ask for Esther or Noemi
Known for fast service
Known for explaining the terms clearly

Counted in 89 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service10 reviews · 11.2 per 100
Explains the terms clearly8 reviews · 9 per 100
Money the same day3 reviews · 3.4 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

Bank statements

At the store

Walk in, no appointment · 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?
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 Justice Finance?

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

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In borrowers’ own words

“Amazing experience a very fast process my mother in law told me about this place I received it the same day amazing staff.”
“Explained everything thoroughly & was very communicative in the process.”
“Amazing experience a very fast process my mother in law told me about this place I received it the same day amazing staff.”

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

About this lender

Installment loans, and also payday loans.

Part of a chain: Justice Finance has 2 locations across the Texas cities we cover — Dallas (1), Fort Worth (1).

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