Power Finance Texas

Installment loans · also payday loans, check cashing

★ 4.7 · 231 ratingsNo hours listed · call ahead

Should you go here?

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

Borrowers leave more bad reviews here than at 61% of Houston stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.7★

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

What borrowers say ↓

Watch out

Bad reviews7%

of its written reviews are 1–2★, a higher share than at 61% 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 →1.6 mi away · title loansTitleMax Title Loans — ★ 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

4.7Higher than 41% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

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

This store7%

Average Houston installment loan store10%

Bad reviews by year · 20% in 2025

212325

What borrowers say

Known for fast service
Known for explaining the terms clearly

Counted in 140 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service17 reviews · 12.1 per 100
Explains the terms clearly7 reviews · 5 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

Proof of incomeBank statementsSSN or ITIN

At the store

Apply online first

What to bring is from their website.

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 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 Power Finance Texas?

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In borrowers’ own words

“Getting my loan approved was fast and easy”
“Had me in and out and explained everything in full.”

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

About this lender

Installment loans, and also payday loans, check cashing.

Part of a chain: Power Finance Texas has 4 locations across the Texas cities we cover — Houston (2), El Paso (2).

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