Texas Car Title and Payday Loan Services, Inc.

Title loans · also payday loans · 1516 W Berry St, Ryan Place Improvement

★ 4.8 · 280 ratingsHours listed

Should you go here?

Average reviews, but the loan itself is expensive.

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

Good sign

What borrowers say4.8★

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

What borrowers say ↓

Watch out

Bad reviews4%

of its written reviews are 1–2★, a higher share than at 55% of Fort Worth stores. 2nd of 3 Texas Car Title and Payday Loan Services, Inc. branches here.

How it compares ↓

Watch out

What it costs$186 / month

In fees on a $1,000 loan, at the Fort Worth 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 Fort Worth area were repossessed last quarter (OCCC, Q2 2026).

Good sign

Who they lend to

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 $489 on $1,000 over 3 months →0.1 mi away · installment loansWorld Finance — ★ 4.9, 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 Fort Worth and every other Texas Car Title and Payday Loan Services, Inc. branch.

Rating

4.8Higher than 37% of Fort Worth loan stores. City average is 4.5.

Lowest rated in Fort WorthHighest

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

This store4%

Average Texas Car Title and Payday Loan Services, Inc. branch in Fort Worth3%

Average Fort Worth title loan store2%

Bad reviews by year · 3% in 2026

212223242526

What borrowers say

Ask for Gabby
Known for explaining the terms clearly
Known for fast service

Counted in 207 written reviews. Bars: mentions per 100.

What borrowers appreciate

Explains the terms clearly22 reviews · 10.6 per 100
Fast service21 reviews · 10.1 per 100
Treats you with respect6 reviews · 2.9 per 100

Work out what you’d repay

Title lenders in the Fort Worth area report an average fee of $18.55 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

$1,186

$1,000 you borrowed$186 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $186 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 statementsPaid-off car titleThe car, so they can inspect it

Who they lend to

Income from benefits or retirement counts

At the store

Wheelchair access · Apply online first

Customer service 1-800-227-4707

From texascartitleandpaydayloanservicesinc.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 $489.

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$1,556

Total repaid on $1,000 over 3 months, at the Fort Worth 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 Texas Car Title and Payday Loan Services, 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

“Angela was super helpful kind and explained the whole process to me so I would know exactly what I was signing up for!”
“El personal es muy amable y son rápido y efectivos.”
“I loved working with keith Murphy he was very respectful and helped me through everything I needed he also explained getting a title loan and how the process works”

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

About this lender

Title loans, and also payday loans.

Part of a chain: Texas Car Title and Payday Loan Services, Inc. has 12 locations across the Texas cities we cover — Houston (5), Fort Worth (3), McAllen (2), San Antonio (1), Laredo (1). See the Texas Car Title and Payday Loan Services, Inc. brand page.

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