Texas Car Title and Payday Loan Services, Inc.

Title loans · also payday loans · 4115 Fredericksburg Rd, Inner West Side

★ 4.9 · 400 ratingsHours listed

Same-day money

Should you go here?

Average reviews, but the loan itself is expensive.

Its share of bad reviews is about average for San Antonio. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Good sign

What borrowers say4.9★

400 ratings. Known for fast service. Known for explaining the terms clearly.

What borrowers say ↓

Watch out

Bad reviews4%

of its written reviews are 1–2★, a higher share than at 57% of San Antonio stores.

How it compares ↓

Watch out

What it costs$182 / month

In fees on a $1,000 loan, at the San Antonio area average. Texas sets no cap on these fees.

Work out your cost ↓

Watch out

Risk to your car9 in 100

Title-loan cars in the San Antonio area were repossessed last quarter (OCCC, Q2 2026).

Good sign

Who they lend to

Income from benefits or retirement counts.

Before you go ↓

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 routeA credit-union loan could save you about $480 on $1,000 over 3 months →0.2 mi away · pawn loansCash America Pawn — ★ 4.2 →

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 San Antonio.

Rating

4.9Higher than 52% of San Antonio loan stores. City average is 4.6.

Lowest rated in San AntonioHighest

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

This store4%

Average San Antonio title loan store2%

Bad reviews by year · 4% in 2026

212223242526

What borrowers say

Ask for Chris or Lorena
Known for fast service
Known for explaining the terms clearly

Counted in 318 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service33 reviews · 10.4 per 100
Explains the terms clearly25 reviews · 7.9 per 100
Money the same day4 reviews · 1.3 per 100

What to watch for

Rude staff3 reviews · 0.9 per 100

Complaints are counts only.

Work out what you’d repay

Title lenders in the San Antonio area report an average fee of $18.23 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

$1,182

$1,000 you borrowed$182 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $182 each month and doesn’t reduce what you owe.

Before you go

What to take, and what to ask before you sign.

Bring these

IDProof of incomeBank statementsPaid-off car titleThe car, so they can inspect it

Who they lend to

Income from benefits or retirement counts

At the store

Walk in, no appointment · Wheelchair access · Apply online first

Customer service 1-800-227-4707

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.

A cheaper route

Need $1,000 for 3 months? A credit-union loan could save you about $480.

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.

Credit-union PAL$1,067

This title loan, renewed twice$1,547

Total repaid on $1,000 over 3 months, at the San Antonio area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

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.

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In borrowers’ own words

“Awesome experience fast and easy worked with Maggy & Reeshema”
“Also explained the payment process and gave tips on how to bring the principal down.”
“Great service, very professional and I received the loan the same day even though I went in late that day.”

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.

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