Service Loans

Small loans · 655 W Illinois Ave Ste 1095, Oak Cliff

★ 4.8 · 314 ratingsHours listed

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Should you go here?

Average reviews. Ask for the total cost before you sign.

Its share of bad reviews is about average for Dallas. Ask for the total you will repay, in writing.

Good sign

What borrowers say4.8★

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

What borrowers say ↓

Watch out

Bad reviews5%

of its written reviews are 1–2★, a higher share than at 54% of Dallas stores.

How it compares ↓

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 · installment loansOneMain Financial — ★ 3.3 →

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

4.8Higher than 47% of Dallas loan stores. City average is 4.5.

Lowest rated in DallasHighest

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

This store5%

Average Dallas small loan store8%

Bad reviews by year · 0% in 2026

2123242526

What borrowers say

Ask for Lala

Counted in 173 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service12 reviews · 6.9 per 100
Treats you with respect4 reviews · 2.3 per 100

What to watch for

Rude staff5 reviews · 2.9 per 100

Complaints are counts only.

What it costs

Ask for the total

Ask for the total you will repay, in dollars, and the due date — in writing — before you sign.

Before you go

What to take, and what to ask before you sign.

Bring these

Proof of incomeProof of address

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?
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.

The rules in Texas →

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 Service Loans?

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

“Great attitude and very fast service.will recommend most definitely.thank you Jessie”
“I have had nothing but great experiences with you, polite, respectful and courteous”

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

About this lender

Small loans.

Part of a chain: Service Loans has 3 locations across the Texas cities we cover — Austin (1), Dallas (1), San Antonio (1).

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