Universal City, TX

Credit Repair & Financial Services in Universal City

Review 5 credit repair companies, personal lenders, and financial services in Universal City, 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 Universal City

5 companies
ACE Cash Express logo

ACE Cash Express

Universal City's ACE Cash Express at 1105 Pat Booker Rd offers payday loans, title loans, and short-term cash access financial solutions with published application timing.

BBB: NR

Profile signals: Consumers in Colorado seeking emergency-cash timing to verify with title or collateral-based options, People needing check cashing, money transfers, or bill payment services at physical locations

Allied Loan logo

Allied Loan

Allied Loan offers same-day and installment loans up to small amounts in the San Antonio area, including title loans for borrowers with poor credit.

BBB: NR

Profile signals: Borrowers in the San Antonio area facing immediate emergency expenses (car repair, medical bills, rent), Individuals with bad credit or no credit history unable to qualify for traditional bank loans

Cash America Pawn logo

Cash America Pawn

Pat Booker Rd in Universal City, TX, Cash America Pawn offers fast pawn loans and cash advances.

BBB: NR

Profile signals: Consumers who are researching short-term cash access and have no access to traditional credit, People who own jewelry, electronics, or tools and need a short-term loan with eligibility claims to verify

Cash America Pawn logo

Cash America Pawn

Universal City, TX location of Cash America Pawn at 1905 Pat Booker Rd provides pawn services with convenient weekday and weekend hours.

BBB: NR

Profile signals: Consumers with short-term cash needs who lack access to traditional credit or banking services, Individuals with items of value (jewelry, electronics, instruments) they're willing to pledge as collateral

Randolph-Brooks logo

Randolph-Brooks

Randolph-Brooks FCU is a Texas-based credit union offering comprehensive financial services including auto loans, mortgages, credit cards, and trust services to members.

BBB: NR

Profile signals: Texas residents and employees seeking comprehensive banking with competitive auto loan and mortgage rates, Individuals with sizable estates or assets needing professional trust administration and estate planning services

Emergency Cash in Universal City

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ACE Cash Express logo

ACE Cash Express

Universal City's ACE Cash Express at 1105 Pat Booker Rd offers payday loans, title loans, and short-term cash access financial solutions with published application timing.

BBB: NR

Profile signals: Consumers in Colorado seeking emergency-cash timing to verify with title or collateral-based options, People needing check cashing, money transfers, or bill payment services at physical locations

Allied Loan logo

Allied Loan

Allied Loan offers same-day and installment loans up to small amounts in the San Antonio area, including title loans for borrowers with poor credit.

BBB: NR

Profile signals: Borrowers in the San Antonio area facing immediate emergency expenses (car repair, medical bills, rent), Individuals with bad credit or no credit history unable to qualify for traditional bank loans

Pawn Shops in Universal City

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Cash America Pawn logo

Cash America Pawn

Pat Booker Rd in Universal City, TX, Cash America Pawn offers fast pawn loans and cash advances.

BBB: NR

Profile signals: Consumers who are researching short-term cash access and have no access to traditional credit, People who own jewelry, electronics, or tools and need a short-term loan with eligibility claims to verify

Cash America Pawn logo

Cash America Pawn

Universal City, TX location of Cash America Pawn at 1905 Pat Booker Rd provides pawn services with convenient weekday and weekend hours.

BBB: NR

Profile signals: Consumers with short-term cash needs who lack access to traditional credit or banking services, Individuals with items of value (jewelry, electronics, instruments) they're willing to pledge as collateral

Credit Unions in Universal City

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Randolph-Brooks logo

Randolph-Brooks

Randolph-Brooks FCU is a Texas-based credit union offering comprehensive financial services including auto loans, mortgages, credit cards, and trust services to members.

BBB: NR

Profile signals: Texas residents and employees seeking comprehensive banking with competitive auto loan and mortgage rates, Individuals with sizable estates or assets needing professional trust administration and estate planning services

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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