Toledo Finance

Installment loans · 2108 Chihuahua St Suite #2, Eastern Division

★ 4.9 · 270 ratingsHours listed

Should you go here?

Many bad reviews, and Texas caps what it can charge.

Borrowers leave more bad reviews here than at 76% of Laredo stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.9★

270 ratings. Known for explaining the terms clearly.

What borrowers say ↓

Watch out

Bad reviews2%

of its written reviews are 1–2★, a higher share than at 76% of Laredo stores.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

Good sign

Who they lend to

No bank account needed.

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 routeAsk a credit union about a small-dollar loan first →0.0 mi away · small loansOR Financial Services — ★ 5.0, few bad reviews →

From ratings and written reviews of this store 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

4.9Higher than 30% of Laredo loan stores. City average is 4.8.

Lowest rated in LaredoHighest

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

This store2%

Average Laredo installment loan store2%

Bad reviews by year · 0% in 2026

23242526

What borrowers say

Ask for Alejandra
Known for explaining the terms clearly

Counted in 193 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service16 reviews · 8.3 per 100
Explains the terms clearly9 reviews · 4.7 per 100

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

What to take, and what to ask before you sign.

Bring these

Bank statementsSSN or ITINProof of address

Who they lend to

No bank account needed

At the store

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

Loans in Texas $200–$1,840

From toledocorp.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 for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment 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

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.

Been to Toledo Finance?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

Write a review

In borrowers’ own words

“Amazing customer service, friendly staff and were super fast with my loan.”
“Alejandra Corona explained me very well the details on my loan”

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

About this lender

Installment loans.

Part of a chain: Toledo Finance has 11 locations across the Texas cities we cover — El Paso (4), Laredo (2), Brownsville (2), Houston (1), McAllen (1), Austin (1). See the Toledo Finance brand page.

Call Directions