Garland, TX

Credit Repair & Financial Services in Garland

Review 17 credit repair companies, personal lenders, and financial services in Garland, Texas. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Texas avg credit score: 694 Median income: $73,035 Poverty rate: 13.4% Payday loans: Legal Texas overview →

Featured Provider Profiles in Garland

17 companies
5 Star Car Title Loans logo

5 Star Car Title Loans

324 E Buckingham Rd in Garland, TX is home to 5 Star Car Title Loans, offering title-loan profile details to local borrowers.

BBB: NR

Profile signals: Vehicle owners with poor or no credit comparing emergency-cash timing, Borrowers who need more than a typical payday loan limit but have vehicle equity

ACE Cash Express logo

ACE Cash Express

Garland, TX's ACE Cash Express at 5606 Broadway Blvd provides payday and title-loan profile details with provider-stated funding timing.

BBB: NR

Profile signals: Consumers researching short-term cash access and willing to visit a physical location with flexible provider-stated funding timing options, People with vehicles who can use title as collateral for larger emergency loan amounts

Advance America logo

Advance America

At 447 N Garland Ave in Garland, TX, Advance America provides payday and title-loan profile details to borrowers who meet provider criteria.

BBB: A+

Profile signals: Consumers facing a one-time cash emergency before payday who can repay the full balance within 30 days, Borrowers with poor or thin credit history who may not meet traditional bank or credit-union loan criteria

America'S logo

America'S

America's Credit Union is a member-owned financial institution offering checking, savings, credit cards, auto loans, home equity loans, and mortgage services with rate claims to verify.

BBB: NR

Profile signals: Local consumers in served markets (Lancaster, Forest, Garland, Mesquite areas) seeking personalized banking relationships, Auto buyers looking for competitive fixed-rate financing with short approval timelines

Cash America Pawn logo

Cash America Pawn

Garland's Cash America Pawn at 1318 W Centerville Rd provides pawn loans and used merchandise sales.

BBB: NR

Profile signals: Consumers with short-term cash needs and valuable collateral items (jewelry, electronics, instruments), Credit-constrained individuals who may not meet traditional bank-loan criteria or credit products

Check `n Go logo

Check `n Go

Garland, TX's Check `n Go payday loan branch at 5335 Broadway Blvd serves cash advance needs.

BBB: NR

Profile signals: Consumers with stable, predictable paychecks facing one-time urgent expenses (car repair, medical bill, utility disconnection), Borrowers who need cash within hours and have active checking accounts but lack traditional credit access

Pawn Shops in Garland

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Cash America Pawn logo

Cash America Pawn

Garland's Cash America Pawn at 1318 W Centerville Rd provides pawn loans and used merchandise sales.

BBB: NR

Profile signals: Consumers with short-term cash needs and valuable collateral items (jewelry, electronics, instruments), Credit-constrained individuals who may not meet traditional bank-loan criteria or credit products

First Cash Pawn logo

First Cash Pawn

At 4025 Broadway Blvd in Garland, TX, First Cash Pawn offers short-term cash access loans on jewelry, electronics, and valuables.

BBB: NR

Profile signals: Consumers with poor or no credit history who are researching short-term cash access without credit evaluation, Individuals with valuable personal property (electronics, jewelry, instruments) they can temporarily pledge

First Cash Pawn logo

First Cash Pawn

Garland, TX First Cash Pawn on Forest Ln provides fast pawn loans, gold buying, and cash-advance profile details with convenient hours.

BBB: NR

Profile signals: Consumers with short-term cash needs and items of value to pledge, Individuals without access to traditional bank loans or credit

Pawn Superstore logo

Pawn Superstore

Pawn Superstore offers collateral-based lending and merchandise sales through pawn shop services. Website currently under construction with limited public information available.

BBB: NR

Profile signals: Consumers seeking short-term cash access against personal valuables with eligibility claim to verify, Individuals needing short-term loans with flexible repayment tied to item redemption

Premier Plus Pawn logo

Premier Plus Pawn

Premier Plus Pawn is a small Dallas-based pawnshop with 3 locations offering collateral-based loans and merchandise sales in the DFW area.

BBB: NR

Profile signals: Consumers researching short-term cash access who have valuable personal property to pledge as collateral, People without access to traditional credit who need short-term financing

Top Cash Pawn #2 - Landers logo

Top Cash Pawn #2 - Landers

Top Cash Pawn operates three locations in the Dallas-Fort Worth area offering pawn loans, gold/silver buying, and jewelry sales with straightforward policies and customer-friendly terms.

BBB: NR

Profile signals: Customers researching short-term cash access in Dallas-Fort Worth area willing to use personal collateral, Gold and silver owners seeking appraisals and quick purchase offers

Emergency Cash in Garland

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5 Star Car Title Loans logo

5 Star Car Title Loans

324 E Buckingham Rd in Garland, TX is home to 5 Star Car Title Loans, offering title-loan profile details to local borrowers.

BBB: NR

Profile signals: Vehicle owners with poor or no credit comparing emergency-cash timing, Borrowers who need more than a typical payday loan limit but have vehicle equity

ACE Cash Express logo

ACE Cash Express

Garland, TX's ACE Cash Express at 5606 Broadway Blvd provides payday and title-loan profile details with provider-stated funding timing.

BBB: NR

Profile signals: Consumers researching short-term cash access and willing to visit a physical location with flexible provider-stated funding timing options, People with vehicles who can use title as collateral for larger emergency loan amounts

Advance America logo

Advance America

At 447 N Garland Ave in Garland, TX, Advance America provides payday and title-loan profile details to borrowers who meet provider criteria.

BBB: A+

Profile signals: Consumers facing a one-time cash emergency before payday who can repay the full balance within 30 days, Borrowers with poor or thin credit history who may not meet traditional bank or credit-union loan criteria

Check `n Go logo

Check `n Go

Garland, TX's Check `n Go payday loan branch at 5335 Broadway Blvd serves cash advance needs.

BBB: NR

Profile signals: Consumers with stable, predictable paychecks facing one-time urgent expenses (car repair, medical bill, utility disconnection), Borrowers who need cash within hours and have active checking accounts but lack traditional credit access

Check N Title Loans logo

Check N Title Loans

Check N Title Loans Garland, Texas — Check N Title Loans offers title loans up to $50,000 and cash advances up to $1,500 with provider-stated funding timing through o...

BBB: NR

Profile signals: Borrowers with vehicle collateral researching emergency-cash options exceeding typical payday loan limits ($1,500+), Consumers facing urgent expense research who can access storefronts for same-day service claims to verify

Speedy Cash logo

Speedy Cash

Garland, TX payday and title loans at Speedy Cash on W Walnut St, open Mon-Sat with extended Friday hours.

BBB: NR

Profile signals: Memphis residents needing a small cash advance of up to $425 before their next paycheck, Vehicle owners who need up to $4,000 quickly and can use their car title as collateral

Credit Unions in Garland

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America'S logo

America'S

America's Credit Union is a member-owned financial institution offering checking, savings, credit cards, auto loans, home equity loans, and mortgage services with rate claims to verify.

BBB: NR

Profile signals: Local consumers in served markets (Lancaster, Forest, Garland, Mesquite areas) seeking personalized banking relationships, Auto buyers looking for competitive fixed-rate financing with short approval timelines

Check Cashing & Money Services in Garland

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PLS Check Cashers logo

PLS Check Cashers

Garland, TX: PLS Check Cashers offers 24-hour check cashing services at 780 E Centerville Rd with fast, convenient transactions.

BBB: NR

Profile signals: Unbanked or underbanked consumers needing check cashing and bill pay, Illinois residents needing DMV services (registration, title transfers) outside business hours

Your Rights in Texas

Texas Consumer Protections: Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Interest Rate Cap: Texas usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses.

Key Regulations:
  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
  • The Texas Finance Code regulates consumer lending but exempts CABs from rate caps.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Texas Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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