Texas Car Title and Payday Loan Services, Inc.

Title loans · also payday loans, installment loans · 821 FM 1960 W

★ 4.9 · 300 ratingsHours listed

Should you go here?

Well reviewed, but the loan itself is expensive.

Borrowers leave fewer bad reviews here than at 60% of Houston stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Good sign

What borrowers say4.9★

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

What borrowers say ↓

Good sign

Bad reviews2%

of its written reviews are 1–2★, a lower share than at 60% of Houston stores. 3rd of 5 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 Houston area average. Texas sets no cap on these fees.

Work out your cost ↓

Watch out

Risk to your car6 in 100

Title-loan cars in the Houston area were repossessed last quarter (OCCC, Q2 2026).

Check it

Who they lend to

You need a checking account for an installment loan. 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 $490 on $1,000 over 3 months →0.1 mi away · payday loansACE Cash Express — ★ 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 Houston and every other Texas Car Title and Payday Loan Services, Inc. branch.

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 store2%

Average Texas Car Title and Payday Loan Services, Inc. branch in Houston4%

Average Houston title loan store2%

Bad reviews by year · 6% in 2026

212223242526

What borrowers say

Ask for Wendi or Wendy
Usually done in about 30 minutes
Known for fast service

Counted in 250 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service31 reviews · 12.4 per 100
Explains the terms clearly20 reviews · 8 per 100
Treats you with respect3 reviews · 1.2 per 100

What to watch for

Rude staff3 reviews · 1.2 per 100

Complaints are counts only.

Work out what you’d repay

Title lenders in the Houston area report an average fee of $18.58 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

You need a checking account for an installment loan
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 $490.

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$1,557

Total repaid on $1,000 over 3 months, at the Houston 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

“Deloris Was great and fast she definitely got me in and out with no problems , if I could give her more then five stars I would great job :))”
“Application process was swift and Wendy explained everything to me and was super nice”
“Good service Anthony was very helpful and respectful person love his service good place too do business”

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, installment 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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