Applying for a loan can be a daunting process. With countless lenders to choose from, umpteen contracts to go over, and different interest rates to compare, it can be hard to know who to trust with your finances.
When you are looking to apply for a loan, we understand how important it is for you to feel guided, supported, and protected throughout the process. At Atlas Credit Co., we do everything we can to support you through your lending journey. From initial applications to final repayments, Atlas Credit is with you every step of the way to make sure you are happy with your loan terms and payment schedule.
Our priority is always to treat our customers with honesty, transparency, and respect, and provide a top-of-the-line customer service. This is why we are so thrilled when we hear back from so many of our customers with glowing reviews and positive testimonials.
This guide provides some insight into what it is like to partner with Atlas Credit for your loan needs, covering who we are, customer success stories, five-star testimonials, frequently asked questions, and more. If you're considering applying for a loan with us, this resource will tell you everything you need to know about being a valued Atlas Credit customer.
Who We Are
We are a consumer loan company passionate about giving our customers the top-tier service they deserve. Here at Atlas Credit, we offer a wide range of personal loan and installment loan options to meet your needs. Our range of personal loans includes credit starter loans, signature loans, and more, with amounts ranging from $100 to $1,800.
Established in Tyler, Texas, in 1968, what began as a one-office operation has evolved into a nationwide company, with over 50 locations dotted across Texas, Oklahoma, and Virginia.
How Our Personal Loans Work
One of the most significant benefits of our personal loans is that our repayment terms are long-term-friendly. Unlike most regular payday companies, we offer long-term repayment options that enable you to pay back your loan comfortably, and in small payments.
Our available loan repayment options range from five to 12 months, and alongside our financial support, you will also receive guidance at every step of your loan journey. When you borrow from Atlas Credit, you are fully informed about the details of your contract, including your monthly payment amount, your payment due dates, and the total amount owed.
Plus, once you have entered into an agreement with us, we will not change the terms or fees of your contract with us for the duration of the agreement. You benefit from having a fixed plan, around which you can consistently plan and budget.
The Application and Payment Process
Whether you decide to apply in person or online, our application process is quick and easy.
Our online application form takes only a few minutes to complete, and we will get back to you on the status of your loan as quickly as possible — sometimes even on the same day!
Once your loan has been approved, a member of the Atlas Credit team will discuss the terms of your loan with you. This part of the process involves assessing your financial situation to determine what kind of repayments and timescales would work best for you. That way, you can enter into the agreement feeling confident and on top of your finances.
This bespoke approach to consumer loans enables us to give each of our customers the treatment they require, as everyone has different finances and unique circumstances to consider.
Customer Success Stories
At Atlas Credit, we have helped individuals from all walks of life face financial challenges and unexpected expenses with confidence.
From providing support with life's necessities to helping our customers with home projects and personal goals, Atlas Credit is there for you when you need it.
To uncover what it means to have a personal loan from Atlas Credit and to learn more about how installment loans help in various situations, explore some of our responsible lending stories from happy customers below.
Meet Yolanda
When retired teacher, Yolanda Lazo, found herself faced with emergency dentist fees, she needed a loan quickly and easily.
In a time of need, when her personal health was in jeopardy, Yolanda turned to Atlas Credit for financial support, and she found it. In her own words, navigating the loan process with the Atlas Credit team was quick and smooth, and the customer service team was very professional and generous.
Yolanda used the loan to pay her emergency dentist fees and was pleased with the process from start to finish.
Our favorite quote from Yolanda:
“If you need it, and it’s an emergency, go to Atlas Credit.”
Meet Isaac
Following a destructive car accident, Isaac Lopez needed to find a way to fix his family car without impeding the payment of his regular bills and expenses.
Isaac was caught at a difficult crossroads. Bank loans were too expensive, and there didn't seem to be many options available at short notice. Luckily, he discovered us.
When facing a financial crisis, Isaac came to Atlas Credit and received the support he needed to repair his damaged car and continue with his day-to-day life seamlessly.
Following his positive loan experience with us, Isaac started turning to Atlas Credit for help with smaller needs, borrowing money quickly and easily to buy school essentials, and to finance enjoyable things, such as holidays and special occasions.
Our favorite quote from Isaac:
“We [needed a loan] to fix the car without affecting our bills. But in between there to now, it’s been like school supplies, it’s been Christmas, it’s been Valentine’s Day.”
Meet Oralia
Through the good times and the bad, Atlas Credit Co. is here for you.
Oralia Salinas was met with one of the hardest situations life can bring when her daughter passed away. When the time came to bury her child, Oralia did not have enough money to give her child the burial she deserved.
Experiencing the loss of a loved one is hard enough as it is, without having to worry about its financial implications.
That's why Oralia turned to us.
With a hassle-free loan from Atlas Credit, Oralia received the money she needed to bury her daughter, and was met with kindness and compassion along the way.
Our favorite quote from Oralia:
“I would recommend [Atlas Credit] with all my heart. Because they are people [who] help and they are kind.”
Meet Alfredo
For many years, Alfredo Soto and his family have been coming to Atlas Credit for financial support with essentials, home repairs, and more.
From gas money to necessary home enhancements, our personal loans have enabled Alfredo to find quick and positive solutions to life's obstacles.
Our favorite quote from Alfredo:
“I recommend Atlas Credit to all my friends and family, and it’s fast and easy…You get what you want and even more.”
Meet Carlos
Sometimes, you might not need a loan for a specific problem or emergency scenario. Loans can be a great way to give yourself some leeway with general life expenses and day-to-day costs.
For Carlos Quintero, loans from Atlas Credit do more than help him in times of trouble. They also provide the cushion he needs to catch up on other financial responsibilities and improve his credit score in the meantime.
Our favorite quote from Carlos:
“The loan helps you to breathe. It helps you to go to sleep at night…It ended up giving us that little cushion that we needed so that we [could] catch up on the other little things and keep us going.”
Customer Testimonials
We are proud to say that our overall customer rating is 5 out of 5 stars!
Alongside our many positive installment loan customer stories, we also have tons of incredible client testimonials from a wide range of valued customers.
Check out some of our top Atlas Credit customer reviews to get a feel of our services, and to see how satisfied you could be when you apply for a loan through Atlas Credit!
Tracie Stevenson from Marshall, TX
“Really professional staff, I have been a loyal customer for years. I suggest their services to anyone who needs a loan service.”
Kayle Fleming from Tyler, TX
“Great company! Easy application process! Payments are super reasonable and employees are very knowledgeable. Great place to get a personal loan!!”
Zack Rael from Waco, TX
“I highly recommend Atlas Credit if you are looking for a quick and easy loan! Great staff and great customer service. In the past I have been to several other places and nothing compares to the excellent service that they provide!”
Mimi Garcia from Tyler, TX
“Everyone at Atlas Credit is very welcoming and willing to help. I have gotten two loans from there and would recommend Atlas Credit for anyone looking for a personal loan and a place you can build up your credit.”
Vicki Sterner from Tyler, TX
“I have been doing business with Atlas for about 5 yrs and do not have any complaints. The staff is friendly and always helpful. Could not find a better place to get a short term loan. Credit check is short and no big hassle. Five stars from this customer.”
Courtney Leal from Seguin, TX
“After always having terrible service through other companies even though my bill was ALWAYS paid, Shandrece provided me with the UPMOST RESPECT AND CUSTOMER SERVICE. It’s always a warm welcoming feeling I get from her when I call to make payment or go in. Always one of the first to greet with a smile and great energy!”
Arian Lozano from Zapata, TX
“Amazing service and friendly customer service. Quick and helpful for all questions asked!”
Jessica Cavazos from Pharr, TX
“Great customer service and they really work with you when you need help. Always greeted with a smile and they refer to you by name. It's nice that they are always just a phone call away.”
Patrick Nate from Waco, TX
“Great place to help build credit and the staff is very polite, professional, and friendly. Very clean environment. The best office I have been in by far.”
Brandi Eckols from Seguin, TX
“Super awesome customer service. Always a good and positive environment. No hassle at all. Would definitely recommend!”
Sheryl Lopez from Dallas, TX
“Great customer service attitude from the people. When I walked in, all workers welcomed me with a smile and attended to what I needed. A young lady named Adriana helped me understand everything and made sure all of my questions were asked. Love the environment, had recommended some family members to go to this office specifically.”
KyIra Gibson from McKinney, TX
“Atlas Credit Company is awesome! I was very hesitant in the beginning because I’d come to know about them through a random ‘congrats’ letter for being approved for a $300 loan. I took a leap of faith and the letter was legit and I’ve had no problems with them for the entirety of our business together! The staff are super sweet and amazing and always willing to help!”
Mike Ice from Ennis, TX
“Great customer service and very professional. I would recommend them highly.”
Itzyanna Martinez from La Joya, TX
“Awesome place to get loans! Very, very friendly staff! And always well decorated!”
Vee Mathis from Dallas, TX
“The loan specialists are very nice and understanding. They work with you on loans payments and new deals. The manager is very polite and treats the staff and customers with love and respect. If you need any financial assistance go to them. They rock!”
Toni Gonzales from McKinney, TX
“Atlas Credit takes the time to help consumers in need and that extends further than words can explain. Been going here multiple years. The women before were helpful also. Brenda has taken the steps to make this business as professional as can be. Don't waste your time with other providers who will deny you over the silliest reasons. Atlas is here to help people in need. Great Business!”
Jadon Avila from Seguin, TX
“As soon as I walked in I was greeted in the most welcoming way. Shandrece was very professional and uplifting. I will definitely recommend this company to all my fellow friends.”
Frequently Asked Questions
Applying for a credit loan can be tricky without the right support, and the process can sometimes leave you with unanswered questions.
To find out more about the loan application process at Atlas Credit, explore some of our FAQs below.
What are the requirements to qualify for a personal loan with Atlas Credit?
To apply for a credit loan with Atlas Credit, you must meet the following requirements:
- You need to provide proof of a verifiable source of income that meets our minimum income requirements.
- You must be at least 18 years old.
- You must be a United States citizen.
- You must be a resident of Texas, Oklahoma, or Virginia.
- You must meet our stability/ability to repay requirements.
- You cannot currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
Will applying for a loan with Atlas Credit affect my credit score?
Not at all! When you apply for a loan with Atlas Credit, we only perform a soft inquiry.
Most other loan providers perform hard inquiries, which can cause your credit score to dip. This won't happen when you apply through Atlas Credit.
Soft inquiries are used for reference purposes only. They're a safe way for us to view your credit history without impacting your future ability to secure a loan.
How long has Atlas Credit been in business?
Atlas Credit Co. has been around since January of 1968, when our founder, Thomas A. Young, opened our first office in Tyler, Texas.
Since then, Atlas Credit has transformed into one of the most reputable, reliable, and responsible consumer lenders in Texas. We deliver top-of-the-line services and exceptional customer experiences online and at every branch.
Where are Atlas Credit's locations?
We have over 50 locations across Texas, Oklahoma, and Virginia. Find an Atlas Credit branch near you.
How can I contact Atlas Credit?
There are plenty of ways to reach out to the Atlas Credit Team:
- Apply for a loan online, via our easy-to-use form.
- Visit us in person at one of our 50+ branches in Texas, Oklahoma, and Virginia.
- Call us at 903-258-9965.
- Email us at online@atlascredit.com for application queries.
What is Atlas Credit's mission statement?
At Atlas Credit, we are committed to treating every one of our customers with honesty and respect, and to delivering top-of-the-line customer service that you won't find anywhere else.
Does Atlas Credit have a Spanish-speaking support team?
Yes! Our goal is to make your credit loan experience as smooth as possible from start to finish, which is why most of our locations have bilingual staff members available to support Spanish-speaking customers.
If you require support from a Spanish-speaking representative, contact your nearest branch and verify if they have a bilingual staff member available to help you. For online inquiries, access our Spanish website.
How Much Has Atlas Credit Loaned?
Since opening our doors in 1968, we have loaned millions of dollars to thousands of customers.
With over 57 years in the business and a track record of successful loans behind us, we know what we're doing at Atlas Credit.
Why You Should Choose Atlas Credit
Here are just a few benefits of loaning with Atlas Credit:
- Applying for a loan with us has no negative impact on your credit score.
- We have over 50 branches for in-person support.
- We have over 57 years of experience.
- We have a 5 out of 5 customer rating.
- Customers describe our services as professional, hassle-free, and friendly.
- We accept applications from individuals with all types of credit scores, including those with low or bad credit scores.
- We offer long-term repayment plans with small amounts optional.
- You can contact us online, in person, or over the phone.
- Many of our employees are bilingual to ensure a smooth process for both Spanish and English speakers.
Apply for a Hassle-Free Loan From Atlas Credit Today
There's a reason our customer rating is 5 out of 5. With our exceptional customer service, flexible repayment terms, and accessible support network, our personal loans give you the money you need, when you need it.
Having served the people of Texas, Oklahoma, and Virginia for over half a century, one of the biggest things that keeps us going is seeing our customers happy and satisfied. That's why we continue to prioritize transparency across our services, and treat our customers with honesty and respect.
To hear more from our happy clients, visit our review page today. If you're already sold and want to be part of the club of satisfied Atlas Credit customers, apply for your personal loan online or in person, or call us at 903-258-9965 today!
