Part of the Texas Car Title and Payday Loan Services chain · locations
Texas Car Title and Payday Loan Services, Inc. logo

Texas Car Title and Payday Loan Services, Inc. in Lake Worth, TX

5.0/5
Google rating from 4,173 reviews

Lake Worth, TX is home to Texas Car Title and Payday Loan Services, Inc., a payday and title loan provider at 6620 Azle Ave offering fast cash solutions.

Data compiled from public sources · Google rating shown when a stored review count is available

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Texas Car Title and Payday Loan Services, Inc. Review

Located at 6620 Azle Ave in Lake Worth, TX, Texas Car Title and Payday Loan Services, Inc. operates as a standalone storefront accessible to residents throughout the Lake Worth area. The location serves as a direct point of service for individuals seeking quick financial solutions in the Lake Worth community.

This Lake Worth, TX location offers payday loans, title loans, and related financial services. You can reach the branch directly at +1 817-237-2900 to discuss your borrowing needs, get application details, or ask about current rates and terms for their services.

For Lake Worth residents needing short-term funds or a short-term loan against your vehicle's title, having a local storefront on Azle Ave provides convenient access. Bring a valid ID, proof of income, and information about your vehicle to expedite your application. Texas Car Title and Payday Loan Services, Inc. specializes in quick lending for immediate financial needs.

Services & Features

FAQ resources for payday, title, and installment loan products
Installment loans with fixed monthly payments
Keep-and-drive title loan options (vehicle not surrendered)
Local Lake Worth storefront service
Multi-product lending for Fort Worth, Azle, and Tarrant County communities
No credit check required for title and payday loans
Online title loan applications available 24/7
Payday loans for short-term income-based cash advances
Same-day approval for qualified applicants
Same-day or next-business-day electronic fund deposit
Texas title loans up to $15,000 based on vehicle value
Vehicle title inspections and valuation

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • listed funding timing after approval, often within 30 minutes
  • Offers up to $15,000 for title loans based on vehicle value, larger than typical payday loans
  • No traditional credit check required for title and payday loans
  • Online 24/7 title loan applications available without store visit
  • Keep and drive your vehicle while repaying a title loan (not a total surrender)
  • Local in-person service with staff context in Lake Worth and Tarrant County area
  • Installment loans with fixed monthly payments for predictable budgeting
  • Over 30 years of industry experience and 22,000+ customers served

Cons

  • APR, interest rates, and fees are not disclosed on the website, limiting transparency before applying
  • Title loans carry high default and high-cost lending risk due to vehicle collateral seizure
  • No disclosure of loan terms, repayment periods, or total cost of borrowing
  • Payday loans are typically expensive, short-term debt traps with rollover risks not addressed
  • Limited financial counseling or alternatives offered to help consumers avoid repeat borrowing

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Lake Worth, TX. It does not confirm that Texas Car Title and Payday Loan Services, Inc. or this specific location is licensed.

State regulator

Texas Office of Consumer Credit Commissioner

Consumer protection

Texas Attorney General Consumer Protection Division

Payday loan rules in Texas

Status: Permitted

Rate context: No state fee cap; structured through Credit Access Business (CAB) model with effective APRs frequently exceeding 500%

Payday loans are legal in Texas but operated as Credit Access Businesses (CABs) that arrange loans through third-party lenders, exempting them from state usury rate caps. Several cities (Austin, Dallas, San Antonio, Houston) have enacted local ordinances imposing loan amount limits and rollover restrictions. Austin limits CAB loans to $1,500 and restricts rollovers; Dallas limits loans to $500 with 90-day mandatory waiting period between loans. The Texas Finance Code (Tex. Bus. & Com. Code § 59.001-59.060) regulates CABs but does not establish fee caps.

Installment loan rules in Texas

Status: Permitted

Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)

Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions

Key state rules to check

  • 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.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Texas Car Title and Payday Loan Services, Inc. offer?

Texas Car Title and Payday Loan Services, Inc. offers 12 services including Texas title loans up to $15,000 based on vehicle value, Payday loans for short-term income-based cash advances, Installment loans with fixed monthly payments, Online title loan applications available 24/7, Same-day approval for qualified applicants, and 7 more.

What profile signals are listed for Texas Car Title and Payday Loan Services, Inc.?

Texas Car Title and Payday Loan Services, Inc. has profile signals associated with Consumers with paid-off vehicles researching emergency-cash options and cannot access traditional bank loans, Self-employed or gig workers with irregular income who lack paycheck stubs for bank loans, Individuals with poor credit scores locked out of credit unions and conventional lenders, Lake Worth and Tarrant County residents needing same-day or next-day cash for unexpected expenses.

What are the strengths and weaknesses of Texas Car Title and Payday Loan Services, Inc.?

Key strengths: listed funding timing after approval, often within 30 minutes; Offers up to $15,000 for title loans based on vehicle value, larger than typical payday loans; No traditional credit check required for title and payday loans. Areas to consider: APR, interest rates, and fees are not disclosed on the website, limiting transparency before applying; Title loans carry high default and high-cost lending risk due to vehicle collateral seizure.

How does Texas Car Title and Payday Loan Services, Inc. compare to similar companies?

In the Emergency Cash category, comparable providers include David Chavez | Fairway Independent Mortgage Corporation Branch Sales Manager, LendNation, Longhorn Investments - Hard Money Lender. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Lake Worth, TX
BBB Accredited
No
Visit Texas Car Title and Payday Loan Services, Inc.

CreditDoc Profile Note

Research Note on Texas Car Title and Payday Loan Services, Inc.

profile signals for Lake Worth-area residents with paid-off vehicles or stable income who face genuine emergencies and cannot access bank loans, but only after thoroughly reviewing all loan terms, APR, and fees before signing. The critical caveat is that title and payday loans are expensive short-term debt products with high cost of capital and significant default risk—they should be treated as last-resort short-term funds, not regular credit sources, and the company's lack of disclosed terms suggests consumers should request full fee and interest documentation before committing.

Profile Signals

  • Consumers with paid-off vehicles researching emergency-cash options and cannot access traditional bank loans
  • Self-employed or gig workers with irregular income who lack paycheck stubs for bank loans
  • Individuals with poor credit scores locked out of credit unions and conventional lenders
  • Lake Worth and Tarrant County residents needing same-day or next-day cash for unexpected expenses
Updated 2026-05-08

Similar Companies

David Chavez | Fairway Independent Mortgage Corporation Branch Sales Manager logo

David Chavez | Fairway Independent Mortgage Corporation Branch Sales Manager

David Chavez is a Branch Sales Manager at Fairway Independent Mortgage Corporation in Fort Worth, TX, offering home purchase, refinance, and construction financing with a 4.94/5 rating from 353 borrowers.

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Google rating from 162 reviews

BBB: NR

Profile signals: Fort Worth-area homebuyers seeking a local mortgage professional with strong customer satisfaction ratings, Borrowers wanting to pre-qualify and compare loan options using online calculators before formal application

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LendNation logo

LendNation

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Longhorn Investments - Hard Money Lender logo

Longhorn Investments - Hard Money Lender

Longhorn Investments is a private hard money lender providing short-term acquisition and renovation capital to real estate investors for residential and commercial properties across 11 major U.S. states.

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Profile signals: Real estate investors with fix-and-flip projects requiring fast acquisition and renovation funding, Experienced property investors needing short-term capital across Texas, Missouri, Indiana, Kansas, Tennessee, Alabama, North Carolina, New Mexico, Arkansas, Ohio, or Georgia

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Quick Summary

  • Texas Car Title and Payday Loan Services, Inc. is listed as a Emergency Cash provider in Lake Worth, TX on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Is a Good Credit Score and Why Your Tier Matters (2026) Learn the basics Start the free Credit Fundamentals course.

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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 are required to 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 lower-cost 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 high-cost 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 may only be required 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 repeat-borrowing risk: 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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