Trust Capital Loans
Payday loans · 11811 North Fwy, North Houston
★ 4.4 · 259 ratingsHours listed
Open lateOpen Sundays
Should you go here?
Many bad reviews, and the loan is expensive.
Borrowers leave more bad reviews here than at 74% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
259 ratings. Known for fast service. Known for explaining the terms clearly. Common complaint: interest too high.
of its written reviews are 1–2★, a higher share than at 74% of Houston stores.
In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store and state fee data (OCCC, Q2 2026). Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Houston.
Rating
4.4Higher than 31% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 10% in 2024
What borrowers say
- Known for fast service
- Known for explaining the terms clearly
- Known for same-day money
- Common complaint: interest too high
Counted in 141 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Payday lenders in the Houston area report an average fee of $17.46 per $100 for 17 days (OCCC, Q2 2026) — about $30.81 per $100 a month. 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
$1,308
$1,000 you borrowed$308 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $308 each month and doesn’t reduce what you owe.
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 · Apply online first
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: common complaint: interest too high; known for explaining the terms clearly.
- 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.
Payday loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $857.
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.
- 1Power Finance TexasInstallment loans · 0.0 mi★ 1.0
- 2Aces Payday LoansPayday loans · 0.0 mi
- 3ACE Cash ExpressPayday loans · 0.3 mi★ 4.8
- 4Central FinanceInstallment loans · 0.4 mi★ 4.8Few bad reviews
- 5PLS Check CashersPayday loans · 0.4 mi★ 4.7Many bad reviews
- 6TitleMax Title LoansTitle loans · 0.5 mi★ 5.0Few bad reviews
Been to Trust Capital Loans?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Easy and fast but you fee and interest is too high”
- “For Emergency Loans this is a great company they work to tell you exactly what you will be paying in payments and they explain the loans in detail.”
- “3 ways to get your money , including same day depositing into your account”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans.
An independent business, not part of a chain.