Ultimate Title Loans
Title loans · also money transfer, tax preparation · 3702 US-83, Riverhill
★ 4.6 · 23 ratingsNo hours listed · call ahead
Should you go here?
Many bad reviews, and the loan is expensive.
Borrowers leave more bad reviews here than at 90% of Laredo stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
23 ratings. Nothing comes up often enough in its reviews to call out.
of its written reviews are 1–2★, a higher share than at 90% 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
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
What borrowers say
Counted in 20 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
Their website doesn’t list documents. Call ahead and ask what to bring.
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.
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Write a reviewIn borrowers’ own words
- “Great customer service super fast and easy process”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans, and also money transfer, tax preparation.
An independent business, not part of a chain.