Service Loan

Small loans · 4310 Old Spanish Trl A, South Side

★ 4.9 · 732 ratingsHours listed

Same-day money

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Should you go here?

Well reviewed. Ask for the total cost before you sign.

Borrowers leave fewer bad reviews here than at 72% of Houston stores. Ask for the total you will repay, in writing.

Good sign

What borrowers say4.9★

732 ratings. Known for fast service. Customers stay for years.

What borrowers say ↓

Good sign

Bad reviews1%

of its written reviews are 1–2★, a lower share than at 72% of Houston stores.

How it compares ↓

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 →0.2 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

4.9Higher than 55% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

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

This store1%

Average Houston small loan store12%

Bad reviews by year · 1% in 2026

23242526

What borrowers say

Ask for Kesha or Kat
Usually done in about 15 minutes
Known for fast service

Counted in 546 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service45 reviews · 8.2 per 100
Explains the terms clearly9 reviews · 1.6 per 100
Money the same day6 reviews · 1.1 per 100
Treats you with respect5 reviews · 0.9 per 100

What to watch for

Rude staff3 reviews · 0.5 per 100

Complaints are counts only.

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

Proof of incomeProof of address

At the store

Walk in, no appointment · Wheelchair access · 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?
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.

Been to Service Loan?

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

“Absolutely recommend this place to anyone they will help you when you are in need, all ladies are great professional fast service thank you again for all your help!”
“Great she was very helpful and everything was explained clearly to my understanding.Thank You All so so much.”
“Approved the same day within 30 minutes very easy and efficient business !!!⭐⭐⭐⭐⭐✅✅✅”
“Kat was non-judgmental and she helped me out in a pinch”

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

About this lender

Small loans.

Part of a chain: Service Loan has 2 locations across the Texas cities we cover — Houston (1), San Antonio (1).

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