Discount Car Title Loan - North Laredo
Title loans · 4220 Santa Ursula Ave, Western Division
★ 5.0 · 490 ratingsHours listed
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 69% of Laredo stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
490 ratings. Nothing comes up often enough in its reviews to call out.
of its written reviews are 1–2★, a lower share than at 69% of Laredo stores.
In fees on a $1,000 loan, at the Laredo area average. Texas sets no cap on these fees.
Title-loan cars in the Laredo area were repossessed last quarter (OCCC, Q2 2026).
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 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
Counted in 182 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Title lenders in the Laredo area report an average fee of $19.47 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
$1,195
$1,000 you borrowed$195 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $195 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
At the store
Walk in, no appointment · Wheelchair access · Apply online first
What to bring is from their website.
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you hand over your title.
- 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.
Need $1,000 for 3 months? A credit-union loan could save you about $517.
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.
Been to Discount Car Title Loan - North Laredo?
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Write a reviewIn borrowers’ own words
- “Definitely would recommend this location as they were fast and efficient in getting our needs met”
- “Good service and good with helping you out in case you need financial assistance and manageable payments and they gave me more than what I was asking for and I recommend”
- “Explained everything i needed to know and the staff was friendly and welcoming.”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans.
An independent business, not part of a chain.