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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 North Richland Hills, TX
North Richland Hills, TX car title and payday loans at 7309 TX-26: Texas Car Title and Payday Loan Services, Inc.
Data compiled from public sources · Rating from CreditDoc methodology
Texas Car Title and Payday Loan Services, Inc. Review
Texas Car Title and Payday Loan Services, Inc. operates at 7309 TX-26 in North Richland Hills, TX, serving residents in North Richland Hills and surrounding areas. This standalone location is open Monday through Friday from 10 AM to 6 PM, Saturdays from 9 AM to 1 PM, and closed Sundays—convenient hours for North Richland Hills residents working typical weekday schedules.
At this North Richland Hills location, Texas Car Title and Payday Loan Services, Inc. offers title loans, payday loans, and other short-term financial solutions. Residents can contact the store directly at 817-427-8500 to discuss loan options, ask about eligibility, and learn what documentation is needed for their specific situation.
If you're a North Richland Hills resident in need of quick cash, bring a valid photo ID, proof of income, and vehicle registration or title for a title loan. The team at this TX location can walk you through the application process same-day, and terms are tailored to your circumstances and repayment ability.
Services & Features
Car title loans with vehicle inspection and appraisal-based lending amounts
FAQ resources explaining title loan, payday loan, and installment loan requirements
In-person loan consultation and application assistance
In-store cash disbursement
Installment loans with fixed monthly repayment terms
Loan term and repayment counseling
Online loan application and request forms
Payday loans based on income verification and checking account status
Same-day or next-business-day electronic fund deposit
Vehicle inspection and evaluation for title loan qualification
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day approval and funding in as little as 30 minutes with required documents and vehicle inspection
- No credit check required for title and payday loans, allowing access to borrowers with poor or limited credit history
- Borrowers keep and continue driving their vehicle while repaying title loans
- High maximum loan amount up to $15,000 available for single loan product
- Multiple loan types (title, payday, installment) allow borrowers to choose based on collateral and income situation
- Local in-person service with dedicated specialists available at physical storefront location
- Clear online application process with both digital and in-store assistance options
Cons
- Website does not disclose APR, interest rates, or total cost of borrowing, making true cost comparison impossible
- Title loans require vehicle as collateral, creating repossession risk if payments are missed
- Short-term loan structure may encourage debt cycling and rollover fees for consumers who cannot repay on schedule
- Limited service area (only Sunnyvale, TX location listed) restricts availability despite company name suggesting broader Texas presence
- Payday loans require active checking account and proof of recent income, excluding unbanked and gig economy workers
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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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 7309 TX-26, North Richland Hills, TX 76180.
Quick Facts
- Headquarters
- 7309 TX-26, North Richland Hills, TX 76180
- 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.
Texas Car Title and Payday Loan Services is appropriate only for borrowers facing genuine short-term emergencies who have a vehicle with equity or steady income and cannot access traditional credit. The critical caveat is that APR, fees, and total cost of borrowing are not disclosed on the website—borrowers must visit in person or call (972) 203-8400 to understand the true cost before committing, as these are inherently high-cost lending products designed for emergency use, not ongoing financial management.
Best For
- Vehicle owners facing genuine emergency expenses (medical bills, car repairs) who have no other credit options
- Borrowers with poor credit who need fast cash and can repay within the short loan term without rolling over
- Salaried or regularly employed individuals needing bridge financing until next paycheck
- Individuals with substantial vehicle equity seeking a lump sum for an unexpected expense
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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