Texas Car Title and Payday Loan Services, Inc.
Title loans · also payday loans · 319 S 10th St
★ 4.9 · 225 ratingsHours listed
Should you go here?
Many bad reviews, and the loan is expensive.
Borrowers leave more bad reviews here than at 61% of McAllen stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
of its written reviews are 1–2★, a higher share than at 61% of McAllen stores.
In fees on a $1,000 loan, at the McAllen area average. Texas sets no cap on these fees.
Title-loan cars in the McAllen 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, state fee data (OCCC, Q2 2026) 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
4.9Higher than 38% of McAllen loan stores. City average is 4.5.
Lowest rated in McAllenHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 0% in 2026
What borrowers say
- Known for explaining the terms clearly
Counted in 152 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Title lenders in the McAllen area report an average fee of $18.96 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
$1,190
$1,000 you borrowed$190 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $190 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Who they lend to
- Income from benefits or retirement counts
At the store
Walk in, no appointment · Wheelchair access · Apply online first
From texascartitleandpaydayloanservicesinc.com, checked September 2026
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 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 $502.
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.
- 1Loanstar Title LoansTitle loans · 0.1 mi★ 5.0Few bad reviews
- 2AAA Co-Signature LoansInstallment loans · 0.2 mi★ 4.9Many bad reviews
- 3Heights FinanceInstallment loans · 0.2 mi★ 4.9
- 4AZTECA LOAN COMPANY LLCSmall loans · 0.2 mi
- 5Gold Star Finance IncInstallment loans · 0.2 mi★ 3.5Many bad reviews
- 6Economy Finance McAllenInstallment loans · 0.2 mi★ 4.7Many bad reviews
Been to Texas Car Title and Payday Loan Services, 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
- “Excellent customer service Monica was very helpful, the process was really quick and easy to understand, highly recommended”
- “Elva & Ashley very helpful in helping explain loan process”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans, and also payday loans.
Part of a chain: Texas Car Title and Payday Loan Services, Inc. has 12 locations across the Texas cities we cover — Houston (5), Fort Worth (3), McAllen (2), San Antonio (1), Laredo (1). See the Texas Car Title and Payday Loan Services, Inc. brand page.