Part of the Texas Car Title and Payday Loan Services chain · locations

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

2.8/5

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 · Rating from CreditDoc methodology

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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 emergency 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

Same-day or next-business-day funding 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 specialists 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 predatory 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

Rating Breakdown

Value

2.0

Effectiveness

3.0

Customer Service

2.4

Transparency

2.0

Ease of Use

4.5

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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 Lake Worth, TX.

How long does Texas Car Title and Payday Loan Services, Inc. take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters: Lake Worth, TX
BBB Accredited: No
Starting Price: Contact provider
Setup Fee: None
Money-Back Guarantee: No

Visit Texas Car Title and Payday Loan Services, Inc.

+1 817-237-2900 6620 Azle Ave, Lake Worth, TX 76135

CreditDoc Diagnosis

Doctor's Verdict on Texas Car Title and Payday Loan Services, Inc.

Best 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 emergency funds, not regular credit sources, and the company's lack of disclosed terms suggests consumers should request full fee and interest documentation before committing.

Best For

Consumers with paid-off vehicles who need emergency cash 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 2026-04-29

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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 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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