Atlas Credit Co., Inc.
Installment loans · 501 S Bicentennial Blvd, McAllen Historic Business Redevelopment
★ 4.6 · 45 ratingsHours listed
Should you go here?
Many bad reviews, and Texas caps what it can charge.
Borrowers leave more bad reviews here than at 83% of McAllen stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.
45 ratings. Nothing comes up often enough in its reviews to call out.
of its written reviews are 1–2★, a higher share than at 83% of McAllen stores.
Texas sets the maximum charges. Ask for the total of all payments.
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 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 McAllen.
Rating
4.6Higher than 28% of McAllen loan stores. City average is 4.5.
Lowest rated in McAllenHighest
Bad reviews (1–2★), share of written reviews
What borrowers say
Counted in 37 written reviews. Bars: mentions per 100.
What borrowers appreciate
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
Who they lend to
- No bank account needed
At the store
Wheelchair access · Apply online first
From atlascredit.com, checked September 2026
Ask these at the counter
- 1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
- 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.
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 Atlas Credit Co., Inc.?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Fast, easy process and super helpful staff”
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: Atlas Credit Co., Inc. has 16 locations across the Texas cities we cover — Laredo (3), Dallas (3), San Antonio (3), Houston (2), Fort Worth (1), Austin (1), Brownsville (1), McAllen (1), Corpus Christi (1). See the Atlas Credit Co., Inc. brand page.