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Installment Loan Stores in Waco, TX

11 of the 37 pawn shops, check cashing and loan stores we list in Waco are installment loan options.

Installment loans differ primarily in repayment terms, interest rate structures, and whether they require personal property as collateral. Some lenders focus on unsecured personal loans with fixed monthly payments, while others specialize in auto title loans that use your vehicle as security. A map location will not tell you if a store handles auto loans, requires proof of income, or reports your payments to major credit bureaus.

  1. LoanStar Title Loans

    832 N Valley Mills Dr, Waco, TX 76710-4753

    Mon–Fri 9am–5pm

    Electronics
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  2. Regional Finance

    1615 N Valley Mills Dr, Waco, TX 76710

    Mon–Fri 8:30am–5:30pm, Sat closed, Sun closed

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  3. Service Loan

    2405 W Waco Dr # C, Waco, TX 76707

    Mon–Fri 8:30AM–5:30PM, Sat closed, Sun closed

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  4. ACE Cash Express

    1105 W Waco Dr, Waco, TX 76707

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  5. Check 'n Go

    700 N Valley Mills Dr, Waco, TX 76710

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  6. First Capital Finance Co

    2420 W Waco Dr, Waco, TX 76701

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  7. Guarantee Loan Service

    2403 W Waco Dr, Waco, TX 76707-3484

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  8. Payment 1 Financial

    1014 N Valley Mills Dr, Waco, TX 76710-4479

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  9. Atlas Credit Company

    2206 W Waco Dr, Waco, TX 76701-1045

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  10. Master Loan Service

    104 S 8th St, Waco, TX 76701-1912

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  11. Continental Credit

    2508 W Waco Dr, Waco, TX 76710-7442

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Check lender requirements. Bring a valid government ID, your most recent pay stubs, a bank statement, and your vehicle title if you are applying for an auto-backed loan.

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Good to know

How do installment loans differ from payday loans?

Installment loans are repaid over several months or years through scheduled, equal payments rather than in a single lump sum on your next payday. This structure typically offers lower individual payment amounts, though total interest costs depend on the loan duration.

What do I need to apply for an installment loan?

Most physical storefronts require a government-issued photo ID, proof of steady income such as pay stubs, and an active checking account. If you are seeking an auto installment loan, you will also need to present the vehicle, its clear title, and proof of insurance.

Can I get an installment loan with poor credit?

Many storefront installment lenders work with borrowers who have low credit scores or limited credit histories. Approval often relies more heavily on your current income and employment stability, though interest rates are typically higher for higher-risk applicants.