A. A payday loan or cash advance is a short-term loan where you pay a one-time fee based on the amount borrowed. An installment loan can give you more money at one time, and you can repay the money over a longer period of time. We practice ''Responsible Lending'' and look to the borrowers themselves for repayment on their loan. Atlas Credit is not a payday lender and we are regulated by the State of Texas Office of Consumer Credit Commissioner.
A. We examine your stability, ability and willingness to repay the loan, which we attempt to assess using budgets and credit reports, among other items. Budgets in particular help us to ensure that the loan is affordable for you. Another consideration is our history with a borrower, many of whom are loyal, repeat customers who come back year after year. We look at each application independently and never use credit scores or scoring models to determine credit-worthiness. We want our relationship with you to be a happy and trusting one, so we give you all the facts about your loan upfront and as clearly as possible.
A. Our goal is to make your experience at our offices as easy as possible for all of our customers. This is why most Atlas Credit locations have bilingual staff members ready to help Spanish speaking customers. Click here to contact the location nearest you to verify that a bilingual staff member is available to help you. Call us today to discover the Atlas Credit Difference!