Third Gen Loan Co., Inc.

Small loans · 2040 N Loop W Ste. 335, Central Northwest

★ 4.8 · 129 ratingsHours listed

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Should you go here?

Average reviews. Ask for the total cost before you sign.

Its share of bad reviews is about average for Houston. Ask for the total you will repay, in writing.

Good sign

What borrowers say4.8★

129 ratings. Known for fast service. Common complaint: hard to reach by phone.

What borrowers say ↓

Watch out

Bad reviews4%

of its written reviews are 1–2★, a higher share than at 50% 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 →1.8 mi away · installment loansHeights Finance — ★ 4.9, 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 store4%

Average Houston small loan store12%

Bad reviews by year · 8% in 2026

23242526

What borrowers say

Ask for Bree
Known for fast service
Common complaint: hard to reach by phone

Counted in 105 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service10 reviews · 9.5 per 100
Explains the terms clearly4 reviews · 3.8 per 100

What to watch for

Hard to reach by phone5 reviews · 4.8 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

IDBank statementsSSN or ITIN

At the store

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 Third Gen Loan Co., 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

“Great Service was very quick friendly and efficient.”
“Fast friendly and explained everything perfectly.”

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

About this lender

Small loans.

An independent business, not part of a chain.

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