Action Credit, McAllen

Small loans · 819 N 10th St Ste A

★ 4.9 · 60 ratingsHours listed

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Should you go here?

Well reviewed. Ask for the total cost before you sign.

Borrowers leave fewer bad reviews here than at 85% of McAllen stores. Ask for the total you will repay, in writing.

Good sign

What borrowers say4.9★

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

What borrowers say ↓

Good sign

Bad reviews0%

of its written reviews are 1–2★, a lower share than at 85% of McAllen 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 →0.1 mi away · title loansDiscount Car Title Loan - McAllen - 10th & Jasmine — ★ 5.0, 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 McAllen.

Rating

4.9Higher than 38% of McAllen loan stores. City average is 4.5.

Lowest rated in McAllenHighest

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

This store0%

What borrowers say

Counted in 25 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service3 reviews · 12 per 100

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.

Been to Action Credit, McAllen?

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

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In borrowers’ own words

“Awesome customer service ask for mary she made everything simple and fast.”

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

About this lender

Small loans.

An independent business, not part of a chain.

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