WhoWillLend

Tiempo Loans

Small loans · 2121 N Main St, Northside

★ 4.2 · 40 ratingsHours listed

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Should you go here?

Many bad reviews. Ask for the total cost before you sign.

Borrowers leave more bad reviews here than at 77% of Houston stores. Ask for the total you will repay, in writing.

Watch out
What borrowers say4.2★

40 ratings. Customers stay for years. Complaints go unanswered.

What borrowers say ↓

Watch out
Bad reviews24%

of its written reviews are 1–2★, a higher share than at 77% 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 →0.3 mi away · check cashingEl Guero Check Cashing — ★ 3.4 →

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

4.2Higher than 27% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

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

This store24%

Average Houston small loan store12%

What borrowers say

  • Customers stay for years
  • Complaints go unanswered

Stars in its 34 written reviews

  • 5★25
  • 4★1
  • 3★0
  • 2★0
  • 1★8

Latest review Aug 2026 · 6 in the last year · Owner replied to 5 of 34

No one thing comes up often enough to count as a theme.

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

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

At the store

Walk in, no appointment · Wheelchair access · Apply online first

Ask these at the counter

  1. 1

    What is the total I’ll repay, in dollars, and when?

    Ask for it in writing before you sign.

  2. 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. 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.

  1. 1El Guero Check CashingCheck cashing · 0.3 mi★ 3.4
  2. 2KJC Auto Title LoansTitle loans · 0.9 mi
  3. 3Cash America PawnPawn loans · 0.9 mi★ 2.3Many bad reviews
  4. 4payday championPayday loans · 1.3 mi★ 3.0
  5. 5Cash StorePayday loans · 1.3 mi★ 4.5Many bad reviews
  6. 6GBC Finance CoInstallment loans · 1.5 mi★ 4.7Many bad reviews

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About this lender

Small loans.

Part of a chain: Tiempo Loans has 2 locations across the Texas cities we cover — Houston (2).

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