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Part of the Texas Car Title and Payday Loan Services chain · locations
Texas Car Title and Payday Loan Services, Inc. in Irving, TX
Irving, TX's Texas Car Title and Payday Loan Services, Inc. at 729 W Airport Fwy offers emergency payday and car title loans.
Data compiled from public sources · Rating from CreditDoc methodology
Texas Car Title and Payday Loan Services, Inc. Review
Located at 729 W Airport Fwy in Irving, TX, Texas Car Title and Payday Loan Services, Inc. operates as a standalone storefront accessible to the Irving community. The Irving location is open Monday through Friday from 10 AM to 6 PM, and Saturday from 9 AM to 1 PM, with convenient hours for working professionals and others needing quick access. This Irving branch near the airport area offers a direct alternative to online lending platforms.
This Irving, TX location offers two primary loan products: payday loans for short-term cash needs and car title loans for those with vehicle equity. To discuss your options or apply, call +1 972-252-8268 and speak with staff at this Irving location who can walk you through the application process. Approval decisions are typically made quickly, with funding available the same day for qualifying applicants.
Irving residents benefit from having a physical loan storefront in their area, allowing face-to-face conversations about loan terms and options. Before visiting the Irving branch, bring a valid government-issued ID, proof of recent income (pay stubs or bank statements), and your vehicle title if applying for a title loan. Texas Car Title and Payday Loan Services, Inc. serves Irving and surrounding Texas communities with accessible lending solutions.
Services & Features
Car title loans using vehicle equity as collateral
FAQ resources for title loans, payday loans, and installment loans
In-person vehicle inspection and appraisal
Installment loans with fixed monthly payment terms
Local loan specialist consultation and support
No-credit-check lending for title and payday products
Online loan request form submission
Payday loans (short-term cash advances based on income)
Same-day loan approval process
Same-day or next-business-day fund disbursement
Serving multiple surrounding areas (Forney, Mesquite, Garland, Balch Springs)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day approval and funding available within 30 minutes in many cases
- No credit check required for title and payday loans, enabling access for consumers with poor or no credit history
- Borrowers can keep and drive their vehicle while repaying title loans
- Maximum loan amount up to $15,000 available (vs. typical payday loan caps of $500-$1,000)
- Physical storefront with local team and transparent location details for in-person service
- Three loan product options (title, payday, installment) allowing flexibility in borrowing structure
- Detailed FAQ sections and online request form streamline the application process
Cons
- Title and payday loans carry significantly higher interest rates and fees than traditional bank products, making them expensive short-term borrowing
- Vehicle-based lending creates repossession risk if title loan payments are missed
- Payday loans require active checking account and income verification, limiting access for unbanked or self-employed consumers without conventional pay stubs
- Limited service area (only Sunnyvale location listed; must visit in-person for vehicle inspection and final approval)
- No mention of loan default protections, financial counseling, or hardship programs if borrower cannot repay
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Texas Car Title and Payday Loan Services, Inc. legitimate?
Yes. Texas Car Title and Payday Loan Services, Inc. is a registered company, headquartered in 729 W Airport Fwy, Irving, TX 75062.
Quick Facts
- Headquarters
- 729 W Airport Fwy, Irving, TX 75062
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Texas Car Title and Payday Loan Services, Inc.
This company is best for consumers in the Dallas area with poor credit facing immediate cash needs who own vehicles and can visit the physical location. The critical caveat is that title and payday loans are expensive forms of credit with high annual percentage rates—they should only be used for genuine emergencies and as a short-term bridge, never as a regular borrowing strategy.
Best For
- Consumers with poor or no credit history facing genuine emergencies (medical bills, car repairs, utilities)
- Vehicle owners needing fast cash who want to avoid traditional auto loans or credit products
- Workers with income verification but limited access to traditional bank financing between paychecks
- Individuals in the Dallas-Fort Worth metro area with physical access to the Sunnyvale storefront
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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