Atlas Credit Co Inc

Installment loans · 1700 N Zaragoza Rd #113, East El Paso

★ 4.8 · 104 ratingsHours listed

Should you go here?

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

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

Watch out

What borrowers say4.8★

104 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 62% of El Paso stores.

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 →0.2 mi away · title loansTitleMax Title Loans — ★ 5.0, few bad reviews →

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 El Paso.

Rating

4.8Higher than 43% of El Paso loan stores. City average is 4.5.

Lowest rated in El PasoHighest

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

This store5%

Average El Paso installment loan store7%

Bad reviews by year · 0% in 2025

212425

What borrowers say

Counted in 82 written reviews. Bars: mentions per 100.

What borrowers appreciate

Explains the terms clearly3 reviews · 3.7 per 100
Fast service3 reviews · 3.7 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

Wheelchair access · 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 of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
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?

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

“Management and employees make getting a loan easy and safe thank you so much for being kind and taking the time to explain everything in detail”
“They gave me the cash fast and easy and walked me through everything”

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

About this lender

Installment loans.

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