Heights Finance

Installment loans · 1201 Chicago Ave Spc 10

★ 4.9 · 319 ratingsHours listed

Should you go here?

Average reviews, and Texas caps what it can charge.

Its share of bad reviews is about average for McAllen. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Good sign

What borrowers say4.9★

319 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 54% of McAllen stores.

How it compares ↓

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 →0.1 mi away · small loansAZTECA LOAN COMPANY LLC →

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 store2%

Average McAllen installment loan store9%

Bad reviews by year · 4% in 2026

212223242526

What borrowers say

Ask for Imelda or Mel
Known for explaining the terms clearly

Counted in 195 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service14 reviews · 7.2 per 100
Explains the terms clearly10 reviews · 5.1 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

IDProof of incomeProof 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 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 Heights 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

“Excellent Customer Service.They are able to help you out for a fast loan.”
“Exelente cervicio muy amables atentos desde que entras me ayudaron con mi prestamo me explicaron todo paso por paso muy contento con YURI REYES 100% recomendsdos”

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: Heights Finance has 12 locations across the Texas cities we cover — San Antonio (2), Houston (2), Corpus Christi (2), Laredo (1), Brownsville (1), Fort Worth (1), McAllen (1), Austin (1), Dallas (1). See the Heights Finance brand page.

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