Action Credit, Laredo 1

Small loans · 2108 Chihuahua St Ste 7, Eastern Division

★ 4.6 · 31 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 98% of Laredo stores. Ask for the total you will repay, in writing.

Watch out

What borrowers say4.6★

31 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

Bad reviews19%

of its written reviews are 1–2★, a higher share than at 98% of Laredo 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 →0.0 mi away · installment loansB & F 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 Laredo.

Rating

4.6Higher than 13% of Laredo loan stores. City average is 4.8.

Lowest rated in LaredoHighest

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

This store19%

What borrowers say

Counted in 16 written reviews. Bars: mentions per 100.

What to watch for

Rude staff3 reviews · 18.8 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

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

At the store

Wheelchair access · Apply online first

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.

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About this lender

Small loans.

An independent business, not part of a chain.

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