TitleMax Title Loans

Title loans · also installment loans · 12015 Murphy Rd

★ 5.0 · 3,366 ratingsHours listed

Open lateSame-day moneySe habla español

Should you go here?

Well reviewed, but the loan itself is expensive.

Borrowers leave fewer bad reviews here than at 81% 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 say5.0★

3,366 ratings. Known for explaining the terms clearly. The owner answers complaints.

What borrowers say ↓

Good sign

Bad reviews1%

of its written reviews are 1–2★, a lower share than at 81% of Houston stores. 23rd of 32 TitleMax Title Loans 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).

Good sign

Who they lend to

No bank account needed for a title 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 →0.7 mi away · payday loansSpeedy Cash — ★ 5.0, 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 TitleMax Title Loans branch.

Rating

5.0Higher than 79% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

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

This store1%

Average TitleMax Title Loans branch in Houston1%

Average Houston title loan store2%

Bad reviews by year · 1% in 2026

212223242526

What borrowers say

Ask for Alejandra or Jessica
Usually done in about 25 minutes
Known for explaining the terms clearly

Counted in 2,742 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service171 reviews · 6.2 per 100
Explains the terms clearly142 reviews · 5.2 per 100
Treats you with respect7 reviews · 0.3 per 100
Money the same day4 reviews · 0.1 per 100

What to watch for

Rude staff3 reviews · 0.1 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 statementsProof of addressPaid-off car titleThe car, so they can inspect it

Who they lend to

No bank account needed for a title loan
Income from benefits or retirement counts

At the store

Walk in, no appointment · Wheelchair access · Has an app · Apply online first · Se habla español

Pay in store, onlineCustomer service 1-888-869-4522

From titlemax.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 TitleMax Title Loans?

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

“Absolute best customer service from Dona and was literally in and out the door”
“Above all they explained everything with clarity”
“Always greeted with a smile and treated with respect”
“Eric Anzora took wonderful care of me, i was approved and had my check in hand within 30 minutes, with an interest rate that literally blew my mind”

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

About this lender

Title loans, and also installment loans.

Part of a chain: TitleMax Title Loans has 94 locations across the Texas cities we cover — Houston (32), Dallas (14), San Antonio (13), El Paso (10), Austin (9), Fort Worth (8), Laredo (3), McAllen (3), Corpus Christi (1), Brownsville (1). See the TitleMax Title Loans brand page.

Busy times

How busy this place usually is, hour by hour.

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