Advance America
Payday loans · also installment loans, money transfer, money orders · 502 W Calton Rd Ste 204, Calton Gardens
★ 5.0 · 1,107 ratingsHours listed
Should you go here?
Average reviews, but the loan itself is expensive.
Its share of bad reviews is about average for Laredo. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
of its written reviews are 1–2★, a higher share than at 53% of Laredo stores.
In fees on a $1,000 loan, at the Texas 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, 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 Laredo.
Rating
5.0Higher than 49% of Laredo loan stores. City average is 4.8.
Lowest rated in LaredoHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 0% in 2026
What borrowers say
- Ask for Claudia or Sandra
- Known for fast service
Counted in 713 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Payday lenders in the Texas report an average fee of $26.60 per $100 for 14 days (OCCC, Q2 2026) — about $57.00 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
$1,570
$1,000 you borrowed$570 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $570 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Who they lend to
- An ITIN works instead of an SSN
- Prepaid cards aren’t accepted
At the store
Wheelchair access · Apply online first
From advanceamerica.net, checked September 2026
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.
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 $1,643.
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.
- 1Star Loans of TexasSmall loans · 0.0 mi★ 1.0
- 2Regional FinanceInstallment loans · 0.0 mi★ 4.6Many bad reviews
- 3Texan Credit CorporationInstallment loans · 0.0 mi★ 5.0
- 4DAB LoansSmall loans · 0.0 mi
- 5Action Credit, Laredo 2Small loans · 0.0 mi★ 4.8
- 6Toledo FinanceInstallment loans · 0.0 mi★ 4.9Few bad reviews
Been to Advance America?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “ABSOLUTELY NO RED TAPE.In and out was a snap”
- “Claudia was a big help to my husban in opening an account and explaining everything to understanding the document great service🫶🏼”
- “Great customer service lady who attended me her name Sandra was very helpful and nice friendly and respectful thank you recommended 100”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also installment loans, money transfer, money orders.
Part of a chain: Advance America has 27 locations across the Texas cities we cover — Houston (13), San Antonio (5), El Paso (4), McAllen (2), Laredo (1), Brownsville (1), Fort Worth (1). See the Advance America brand page.