Savvy Loans
Payday loans · also installment loans · 1220 River Bend Dr Ste 250
★ 4.5 · 8,360 ratingsHours listed
Open 24 hoursOpen Sundays
Should you go here?
Many bad reviews, and the loan is expensive.
Borrowers leave more bad reviews here than at 64% of Dallas stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
8,360 ratings. Known for fast service. The owner answers complaints.
of its written reviews are 1–2★, a higher share than at 64% of Dallas stores.
In fees on a $1,000 loan, at the Dallas area average. Texas sets no cap on these fees.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
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 Dallas.
Rating
4.5Higher than 29% of Dallas loan stores. City average is 4.5.
Lowest rated in DallasHighest
Bad reviews (1–2★), share of written reviews
What borrowers say
- Ask for Application
- Usually done in about 5 minutes
- Known for fast service
Counted in 1,592 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Payday lenders in the Dallas area report an average fee of $25.70 per $100 for 17 days (OCCC, Q2 2026) — about $45.35 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
$1,454
$1,000 you borrowed$454 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $454 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Their website doesn’t list documents. Call ahead and ask what to bring.
At the store
Walk in, no appointment · Wheelchair access · Has an app · Apply online first
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.
Need $1,000 for 3 months? A credit-union loan could save you about $1,294.
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.
- 1VIP Title LoansTitle loans · 0.4 mi★ 3.6
- 2Uncle Dan's Pawn Shop - North DallasPawn loans · 0.5 mi★ 5.0Few bad reviews
- 3B & G Check CashingCheck cashing · 0.8 mi★ 4.6
- 4Cash America PawnPawn loans · 2.5 mi★ 3.2Many bad reviews
- 5CashMax Title & LoanTitle loans · 2.5 mi★ 4.9Few bad reviews
- 6Cash America PawnPawn loans · 2.6 mi★ 3.3Many bad reviews
Been to Savvy Loans?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “APPLICATION PROCESS FAST AND SIMPLE I am timing the process and i have to will add more if and when loan is approved”
- “Clear Explanations, clearly explained the return process and what to expect next.”
- “It was an easy application but not instant approval.”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also installment loans.
An independent business, not part of a chain.