Our Services

Get started on your online application and we’ll contact you to discuss your best options.

Personal Loans

Whether it’s unexpected expenses, home repairs, emergencies, or any other financial need, we’re here for you! Enjoy competitive rates, flexible payment options, and swift approvals.

Title Loans

Your vehicle can be more than just a ride—with a Payment 1 title loan, it becomes your financial asset. Use your vehicle as collateral for instant cash or credit building. And the best part? You continue driving your car as you repay the loan! If you need easy access to cash, title loans in Austin are an obvious option to consider.

How It Works

Step 1: Application

You have three options to get started on your loan application:

  • – Call us at (512) 294-2190, or
  • – Visit the Payment 1 – South Congress, Austin, TX branch during business hours, or
  • – Complete the online application.

Step 2: Requirements

Prepare and submit the documents you need to qualify:


  • – Proof of Income
  • – Proof of Address
  • –  SSN or EIN
  • – Valid Photo ID
  • – 5 References
  • – Most Recent Bank Statements


Our team will review your documents, enter your information in our loan software, and run a quick credit and underwriting process.


For Title Loans: You must also bring a clear vehicle title in your name to our office. Our experts will assess your vehicle’s condition and value.

Step 3: Loan Offer

Once approved, you’ll receive your loan offer with the payment amounts and schedules. We’ll need your debit card and other bank information for funding. Then, we’ll generate the loan documents for your signature.


For Title Loans: We’ll also prepare a security agreement and an application for the state to place a lien on the vehicle title. We’ll remove the lien and return your title after you repay the loan.

Step 4: Release of Funds

Funds are immediately available after signing the documents. We will issue you a check or instantly fund your debit card.

Apply for a Payment 1 loan today!

Ready to explore your options for personal and title loans in Austin? Visit our South Congress, Austin, TX branch, or find the Payment 1 location nearest you. You can also apply for a personal loan online and get your money without leaving home! Call or contact us today to learn more.

Contact Us

Phone: (512) 294-2190

Email: congressaus@payment1.com


Business Hours

Monday to Friday 9:00 AM to 6:00 PM

Sunday – Saturday Closed

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