El Centro Finance

Installment loans · 1416 W Dallas Ave

★ 3.9 · 9 ratingsHours listed

Should you go here?

Too few reviews to judge, and Texas caps what it can charge.

It has too few written reviews to compare with other stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Not enough data

What borrowers say3.9★

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

What borrowers say ↓

Check it

What it costsCapped

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

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 loansParra Loan Co — ★ 3.0 →

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

3.9Higher than 16% of McAllen loan stores. City average is 4.5.

Lowest rated in McAllenHighest

What borrowers say

Stars in its 7 written reviews

5★4
4★0
3★1
2★0
1★2

Latest review Aug 2025 · 0 in the last year · Owner replied to 0 of 7

Too few written reviews to count themes.

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

IDProof of incomeBank statementsSSN or ITINProof of address

At the store

Wheelchair access · Apply online first

What to bring is from their website.

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.

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.

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About this lender

Installment loans.

An independent business, not part of a chain.

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