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Lubbock, TX Payday Loans Lenders

11 local store from 5 companies located in Lubbock, TX

Rating	Reviews	Lender
4.78	595 reviews	Ace Cash Express has 4 offices
4.90	621 review	Advance America has 2 offices
4.50	91 review	Check 'n Go has 1 office
4.90	140 reviews	Texas Car Title & Payday Loan Services has 1 office
5.00	2k+ reviews	TitleMax has 3 offices

All Lubbock, TX Lenders Offices by Rating

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Rating	Office Address
5.00 949 reviews	TitleMax 2219 19th Street, Lubbock, TX 79401 show on map tel: 806-744-0533 Hours: + - Monday: 10:00 AM – 7:00 PM Tuesday: 10:00 AM – 6:00 PM Wednesday: 10:00 AM – 6:00 PM Thursday: 10:00 AM – 6:00 PM Friday: 10:00 AM – 7:00 PM Saturday: 10:00 AM – 2:00 PM Sunday: Closed
5.00 924 reviews	TitleMax 1318 50th Street, Lubbock, TX 79412 show on map tel: 806-744-2554 Hours: + - Monday: 10:00 AM – 7:00 PM Tuesday: 10:00 AM – 6:00 PM Wednesday: 10:00 AM – 6:00 PM Thursday: 10:00 AM – 6:00 PM Friday: 10:00 AM – 7:00 PM Saturday: 10:00 AM – 2:00 PM Sunday: Closed
5.00 440 reviews	TitleMax 4225 S. Loop 289, Lubbock, TX 79423 show on map tel: 806-300-8554 Hours: + - Monday: 10:00 AM – 7:00 PM Tuesday: 10:00 AM – 6:00 PM Wednesday: 10:00 AM – 6:00 PM Thursday: 10:00 AM – 6:00 PM Friday: 10:00 AM – 7:00 PM Saturday: 10:00 AM – 2:00 PM Sunday: Closed
4.90 317 reviews	Advance America 410 Frankford Ave, Ste A, Lubbock, TX 79416 show on map tel: 806-785-8306 Hours: + - Monday: 10:00 AM – 6:00 PM Tuesday: 10:00 AM – 6:00 PM Wednesday: 10:00 AM – 6:00 PM Thursday: 10:00 AM – 6:00 PM Friday: 10:00 AM – 6:00 PM Saturday: 10:00 AM – 3:00 PM Sunday: Closed
4.90 304 reviews	Advance America 3003 50th St., Ste. 500, Lubbock, TX 79413 show on map tel: 806-784-0412 Hours: + - Monday: 10:00 AM – 6:00 PM Tuesday: 10:00 AM – 6:00 PM Wednesday: 10:00 AM – 6:00 PM Thursday: 10:00 AM – 6:00 PM Friday: 10:00 AM – 6:00 PM Saturday: 10:00 AM – 3:00 PM Sunday: Closed
4.90 150 reviews	Ace Cash Express 5412 Slide Rd, Lubbock, TX 79414 show on map tel: 806-792-2540 Hours: + - Monday: 10:00 AM – 7:00 PM Tuesday: 10:00 AM – 7:00 PM Wednesday: 10:00 AM – 7:00 PM Thursday: 10:00 AM – 7:00 PM Friday: 10:00 AM – 7:00 PM Saturday: 10:00 AM – 6:00 PM Sunday: Closed
4.90 140 reviews	Texas Car Title & Payday Loan Services 2702 34th Street, Lubbock, TX 79410 show on map tel: 806-797-4400 Hours: + - Monday: 10:00 AM – 6:00 PM Tuesday: 10:00 AM – 6:00 PM Wednesday: 10:00 AM – 6:00 PM Thursday: 10:00 AM – 6:00 PM Friday: 10:00 AM – 6:00 PM Saturday: 10:00 AM – 3:00 PM Sunday: Closed
4.80 174 reviews	Ace Cash Express 1301d 50th St, Lubbock, TX 79412 show on map tel: 806-749-3374 Hours: + - Monday: 9:00 AM – 7:00 PM Tuesday: 9:00 AM – 7:00 PM Wednesday: 9:00 AM – 7:00 PM Thursday: 9:00 AM – 7:00 PM Friday: 9:00 AM – 8:00 PM Saturday: 9:00 AM – 6:00 PM Sunday: Closed
4.80 148 reviews	Ace Cash Express 4646 34th St, Lubbock, TX 79410 show on map tel: 806-797-1104 Hours: + - Monday: 9:00 AM – 7:00 PM Tuesday: 9:00 AM – 7:00 PM Wednesday: 9:00 AM – 7:00 PM Thursday: 9:00 AM – 7:00 PM Friday: 9:00 AM – 8:00 PM Saturday: 9:00 AM – 6:00 PM Sunday: Closed
4.60 123 reviews	Ace Cash Express 502 Avenue Q, Lubbock, TX 79401 show on map tel: 806-744-5101 Hours: + - Monday: 9:00 AM – 7:00 PM Tuesday: 9:00 AM – 7:00 PM Wednesday: 9:00 AM – 7:00 PM Thursday: 9:00 AM – 7:00 PM Friday: 9:00 AM – 8:00 PM Saturday: 9:00 AM – 6:00 PM Sunday: Closed
4.50 91 review	Check 'n Go 4425 50th St., Lubbock, TX 79414 show on map permanently closed

7 CFPB Complaints in Lubbock

There were 7 CFPB complaints in Lubbock since Jul 2015.

Complaints over Years

Top 4 Companies

Ace Cash Express: 4
Check 'n Go: 1
Community Choice Financial: 1
Advance America: 1

Top 3 Complaints Issues

Received a loan I didn't apply for: 1
Charged fees or interest I didn't expect: 1
False statements or representation: 1

Latest Reviews

Carissa Mendez @google

5 ^{/ 5} Apr 22, 2023

about Advance America's office

3003 50th St., Ste. 500, Lubbock, TX 79413

Johnathan Johnson @google

5 ^{/ 5} Apr 20, 2023

about Ace Cash Express's office

5412 Slide Rd, Lubbock, TX 79414

Nicole McDonald @google

5 ^{/ 5} Apr 17, 2023

about Advance America's office

3003 50th St., Ste. 500, Lubbock, TX 79413

Payday Loans in Lubbock

Payday loan business in Lubbock operates under the Texas law.

In 2017, there was an attempt to pass a local law (ordinance) that would restrict credit access business.

The main points of this law:

1-year certificate for a lender;
Payday loan limit amount – 20% of income
Saving of all loan transactions;
limit to 4 installments payments;
limit to 3 renewals of a payday loan;

Who supported the ordinance: West Texas Organizing Strategy and the Lubbock County Democratic Party.

Result: The Lubbock City Council has voted 5-2 against this law

Payday Loans Stats in Lubbock

The 2014 year, 33 storefronts, customers paid 9$ mill fees and $21 mill in refincances.

The 2019 year, in the Lubbock MSA, were 21 store locations, that made the next numbers:
- The amount of new payday loans: $10 mln
- Fee charges: $10 mln
- Refinances: $15 mln
- the average loan term for a single payday loan was 16 days
- the average loan term for an installment payday loan was 170 days
- the average fee for every $100 single payday loan was $19
- the average fee for every $100 installment payday loan was $48

Lubbock Residents Debt-to-Income Ratios

Lubbock residents have 669 median credit score and the average number of late payments is about 6.44. Below represented DTI (Debt-to-Income) ratios shows how Lubbock residents debts stacks up against their income. As of 2020.

Credit Card DTI

6.27%

Mortgage DTI

285.85%

Car Loan DTI

43.70%

Student Loan DTI

54.57%

Lubbock Residents Financial Statistics

Below represented statistics is for Lubbock, Lubbock County, Texas. As of 2019.

Median age of Lubbock's residents, years

Labour force participation rate, %