TitleMax Title Loans

Title loans · 5104 Montana Ave, Lincoln Park

★ 4.9 · 856 ratingsHours listed

Open lateSe habla español

Should you go here?

Average reviews, but the loan itself is expensive.

Its share of bad reviews is about average for El Paso. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Good sign

What borrowers say4.9★

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

What borrowers say ↓

Good sign

Bad reviews2%

of its written reviews are 1–2★, a lower share than at 59% of El Paso stores. 9th of 9 TitleMax Title Loans branches here.

How it compares ↓

Watch out

What it costs$182 / month

In fees on a $1,000 loan, at the El Paso area average. Texas sets no cap on these fees.

Work out your cost ↓

Watch out

Risk to your car7 in 100

Title-loan cars in the El Paso area were repossessed last quarter (OCCC, Q2 2026).

Good sign

Who they lend to

No bank account needed for a title loan. Income from benefits or retirement counts.

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 routeA credit-union loan could save you about $480 on $1,000 over 3 months →0.2 mi away · installment loansOportun — ★ 5.0, few bad reviews →

From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) 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 and every other TitleMax Title Loans branch.

Rating

4.9Higher than 54% of El Paso loan stores. City average is 4.5.

Lowest rated in El PasoHighest

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

This store2%

Average TitleMax Title Loans branch in El Paso1%

Average El Paso title loan store1%

Bad reviews by year · 1% in 2026

212223242526

What borrowers say

Ask for Paola or Christian
Known for fast service
Known for explaining the terms clearly

Counted in 379 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service38 reviews · 10 per 100
Explains the terms clearly24 reviews · 6.3 per 100
Treats you with respect4 reviews · 1.1 per 100

Work out what you’d repay

Title lenders in the El Paso area report an average fee of $18.23 per $100 for 30 days (OCCC, Q2 2026). 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

$1,182

$1,000 you borrowed$182 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $182 each month and doesn’t reduce what you owe.

Before you go

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

Bring these

IDProof of incomeBank statementsProof of addressPaid-off car titleThe car, so they can inspect it

Who they lend to

No bank account needed for a title loan
Income from benefits or retirement counts

At the store

Walk in, no appointment · Wheelchair access · Apply online first · Se habla español

Pay in store, onlineCustomer service 1-888-869-4522

From titlemax.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 how many days before they can take the car.
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.

Car title 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

Need $1,000 for 3 months? A credit-union loan could save you about $480.

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.

Credit-union PAL$1,067

This title loan, renewed twice$1,547

Total repaid on $1,000 over 3 months, at the El Paso area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to TitleMax Title 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

“Always a quick process and great customer service.”
“Cristian was amazing explaining the contract and the payments, and Intrest.”
“Amazing place for a quick loan very respectful, patience, and great costumer service…”

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

About this lender

Title loans.

Part of a chain: TitleMax Title Loans has 94 locations across the Texas cities we cover — Houston (32), Dallas (14), San Antonio (13), El Paso (10), Austin (9), Fort Worth (8), Laredo (3), McAllen (3), Corpus Christi (1), Brownsville (1). See the TitleMax Title Loans brand page.

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