Since April 2016, Payment 1 has proudly served the South Congress community in Austin, Texas. Our mission is simple: to provide tailored loan solutions that match your needs and budget. Conveniently located at 6400-3 South Congress Ave., Austin, TX 78745, our dedicated team is here to assist you every step of the way.

Finding the right loans in Austin shouldn’t be a hassle. Whether you’re in need of a personal loan or a title loan, Payment 1 has you covered. Our commitment to exceptional service means you can easily count on us to guide you through the process.



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



Business Hours

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

Saturday 9:00 AM to 1:00 PM

Sunday Closed

Visit Our Office

What Our Customers Say

“Awesome place, been with them for years. Friendly, awesome workers and managers and always there when I need them. Thank you Payment 1 team!”


“Great customer service. They have helped me with my credit so much & have the best interest rate in town!”

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Convenient Personal & Title Loans

Through our convenient installments, each payment will get you one step closer to paying off your loan. We ensure you have the best experience available by offering flexible payment options and competitive loan rates.

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Tax Refund Advances

We know you want to receive your refund as quickly and inexpensively as possible and that is our goal. Meet with our professionals to prepare and file your taxes before April 15, 2020 and max tax season stress free. This year let Payment 1 Financial take the stress out of filing your taxes with our tax service professionals.

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Excellent Customer Care

Our friendly staff goes above and beyond to provide excellent service that is quick, simple and enjoyable. Borrowing money is not always a fun thing to do – so we make it as easy and pain-free as possible.