Atlas Bad Credit Loans

Small loans · 303 Commerce St

★ 5.0 · 1 ratingsNo hours listed · call ahead

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Should you go here?

Too few reviews to judge. Ask for the total cost before you sign.

It has too few written reviews to compare with other stores. Ask for the total you will repay, in writing.

Not enough data

What borrowers say5.0★

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

What borrowers say ↓

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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 · installment loansNational Finance Credit Corporation →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

What borrowers say

No written reviews yet — only 1 star rating (★ 5.0).

Places nearby with reviews ↓

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

Their website doesn’t list documents. Call ahead and ask what to bring.

At the store

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.

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.

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About this lender

Small loans.

Part of a chain: Atlas Bad Credit Loans has 4 locations across the Texas cities we cover — Corpus Christi (1), Austin (1), Fort Worth (1), El Paso (1).

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