Our Hours

Monday 8:30AM - 5:30PM
Tuesday 8:30AM - 5:30PM
Wednesday 8:30AM - 5:30PM
Thursday 8:30AM - 5:30PM
Friday 8:30AM - 5:30PM
Saturday Closed
Sunday Closed

Atlas Credit Store #22

1408 S 31st St
Temple, TX 76504

(254) 742-0155

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Our Temple, TX Branch Welcomes you!

We’re here to help you find the loan that’s right for you.

Personal Loans Online

We Offer Personal Loans

Atlas Credit is one of the most trusted personal loan companies in Temple, TX. We aren't a payday lender.

Fast & Simple

Get the Cash You Need Fast

It only takes a few minutes to fill out our online application. We make decisions quickly. You could hear back from us with approval the same day you apply.

Have Questions

Learn More About Our Loans

Our FAQs will answer many of your questions. You can also call our office or stop by to learn about our loan process and terms.

About Atlas Credit in Temple, TX

Come See Us at 1408 S. 31st Street in Temple!

Have you been turned down by other personal loan lending places in Temple, TX because of your bad credit? Then you have come to the right place. At Atlas Credit, we lend to people with bad credit who need a little trust to get back ahead. If you are a legal adult with a steady job, then you may be a candidate for a loan. We want to give you a chance to rebuild your credit by showing that you can make on-time payments on a longer-term loan.

Unlike other Temple, TX loan companies, we do not make judgments about you based on your credit history. We understand that everyone goes through difficult times, but we believe you can come out of them and rebuild your credit. A personal loan can help. You establish a history of making on-time payments when you repay your loan each month. Consistent payments show you are trustworthy and can borrow more money in the future.

We offer a range of loans. You can borrow between $100 and $1,400. Some people just need a couple hundred to bridge the gap until their next payday. Others want bigger sums to help them pay down significant credit card debt or cover an emergency expense that arises, such as car repairs. We work with you to set a repayment schedule that fits within your budget. You can take from five to 12 months to repay your loan.

Unlike payday lenders, we keep our terms straightforward and easy to understand. We don't sneak confusing language into our contracts. We go over the terms of the loan with you, so you have a full understanding of what you sign. Stop into our location on South 31st Street today to speak to one of our representatives about our signature, installment or starter loans.

Personal Loan Blog

Choosing the Right Personal Loans in Temple, TX

When you take out a personal loan, you want to ensure the conditions and terms are right for you. For instance, you should only borrow the amount you need. You don't want to take out more because you may not be able to pay it off. You can speak with one of our representatives to determine how much you actually need for a personal loan.

You desire a loan that's right for your needs, but that doesn't mean you have to settle for one that has unfavorable terms. A payday loan has to be repaid very quickly, and you may not have the means to do so. A personal loan provides better terms and a longer repayment period. You also want to know about your lender before entering an agreement. Make sure they have a proven history of working with applicants to find the best solutions, like Atlas Credit, where customer service is our top priority.

More About Qualifying for Personal Loans

Installment Loans Blog

Are Personal Loans Better Than Credit Cards?

Credit cards are easy to use, but they also have a number of drawbacks. Their high interest rates mean you could pay a lot of money in financing when you use a credit card to make even a small purchase. You can also rack up debt easily because your credit revolves, which means when you pay down your debt, you get a higher credit ceiling.

A personal loan is a one-time cash payment. It usually carries a lower interest rate than a credit card. When you get a personal loan, you can't overspend because it is a fixed amount of money. This makes personal loans better than credit cards in many cases.

More About the Benefits of Personal Loans vs. Credit Cards

Recent Reviews About Atlas Credit

See why people choose Atlas Credit in Temple for their installment loans.

  • Very good customer service! Will refer to all of friends!


    Shelley Verner - Tyler, TX
  • The staff is nice and considerate. It's a great company to do business.


    Mary Tyler - Tyler, TX
  • Helped with a little cash when I needed it and built my credit at the same time. Win win!


    Rhonda Woods - Lockhart, TX
  • Best company hands down. So sweet and kind. Ask how our family is. Amazing!


    Ashley Murphy - Lockhart, TX
  • Great people there who will help you when needed.


    Tony Baggett - Tyler, TX
  • Amazing service and friendly customer service. Quick and helpful for all questions asked!


    Arian Lozano - Zapata, TX
  • Super awesome customer service. Always a good and positive environment. No hassle at all. Would definitely recommend!


    Brandi Eckols - Seguin, TX
  • Great customer service and very professional. I would recommend them highly.


    Mike Ice - Ennis, TX
  • Awesome place to get loans! Very, very friendly staff! And always well decorated!


    Itzyanna Martinez - La Joya, TX
  • Great place to get a loan. Very fast, and awesome customer service! Plus you get free money if you refer a friend.


    Iliana Zamora - Pharr, TX
  • Nice staff. Clean place. I recommend these folks!


    Carlton Cummins - Tyler, TX
  • Wonderful place, Awesome staff. I would highly recommend them to anyone that is needed a loan.


    Tammy Willis - Temple, TX
  • Good people to take out a loan with... love them ... thank you guys!


    Marie Nunez - Lockhart, TX
  • They are the best... Friendly great service!


    Annie Marie - Tyler, TX
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