Hughes Finance

Installment loans · 2200 N Loop W Ste. 114, Central Northwest

★ 4.8 · 107 ratingsHours listed

Should you go here?

Average reviews, and Texas caps what it can charge.

Its share of bad reviews is about average for Houston. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Good sign

What borrowers say4.8★

107 ratings. Customers stay for years.

What borrowers say ↓

Watch out

Bad reviews5%

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

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

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 →1.9 mi away · payday loansAdvance America — ★ 5.0, few bad reviews →

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 Houston.

Rating

4.8Higher than 45% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

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

This store5%

Average Houston installment loan store10%

Bad reviews by year · 14% in 2026

2123242526

What borrowers say

Customers stay for years

Counted in 87 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service5 reviews · 5.7 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

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

At the store

Wheelchair access · Apply online first

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 Hughes Finance?

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In borrowers’ own words

“It was fast and easy, the staff are awsome very friendly good costumer service 🥰”

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

About this lender

Installment loans.

An independent business, not part of a chain.

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