67 low data
Precise Payday
5.0(5)✓ Google-verified
Five-star reviews credit Precise Payday for treating borrowers fairly and walking them through the loan process without pressure.
Personal LoansPayday & Cash AdvanceSame-Day / Fast Approval
America's Credit Union
Bad Credit / No Credit CheckMortgage & Home LoansBusiness & Commercial Loans
- Services
- Bad Credit / No Credit Check, Mortgage & Home Loans, Business & Commercial Loans
- Reviews
- 44
What recent reviews say
Members consistently experience quick loan approvals and smooth transactions, often completed within hours or a day. Staff including Tish Reyes, Jessica, Shameka, and Kumasi handle applications personally, answer questions thoroughly, and guide members through the process with care. Members report beating competitors on rates, getting approvals in days, and finding the overall experience stress-free and efficient.
The union offers checking, savings, auto loans, mortgages, personal loans, and credit cards with published rates including auto loans from 3.89% APR and credit cards from 9.99% APR. Long-standing members praise consistent service quality, and newer borrowers highlight how staff make complex processes easy. Over 30 years of membership and recent loan approvals confirm they serve both loyalty and new customers.
Praised for
- knowledgeable and attentive staff
- fast approval and funding
- best rates available
- stress-free borrowing experience
fast-approvalhelpful-staffknowledgeable-agentsquick-fundingtransparent-feesfriendly-staffprofessional-service
Best for: Members seeking quick auto or mortgage approvals with personal service and competitive rates.
Strengths
- Fast approvals (often within 24 hours)
- Competitive rates beating dealers and banks
- Named staff members guide you personally
- Long track record (30+ years)
Worth knowing
- Tish Reyes handles loan applications personally and typically approves within 24 hours
- Jessica helps with account disputes and savings planning
- Shameka and Kumasi recognized for friendliness and efficiency
- Member reported saving $1,000 on auto loan vs dealership warranty
- Auto loan approved Tuesday morning after Monday application
- Funds deposited same day or next day after approval
What reviews say by service
- Auto & Title Loans
- Members praise quick approval and rates beating dealership offers by thousands of dollars.
- Mortgage & Home Loans
- Positive experience with home equity loans; staff guide through process smoothly.
- Personal Loans
- Tish and team approve personal loans fast; funds arrive within 24 hours of approval.
- Bad Credit / No Credit Check
- No specific review evidence about credit score requirements or bad credit programs.
How it compares
- Rated 4.5 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
- Has more Google reviews than 48% of the businesses in this directory.
How we scored this
How We Rank Star rating 67
Review volume 72
Review recency 100
Review sentiment 80
Profile completeness 100
Verification 30
Rating breakdown
5
38
4
0
3
0
2
0
1
6
Contact
- Phone
- +1888-742-6551
- Website
- https://www.americascu.org/
- Address
- 8818 Garland Rd, Dallas, TX 75218
Last verified 2026-08-23
Opening hours
- Monday
- 09:00-17:00
- Tuesday
- 09:00-17:00
- Wednesday
- 09:00-17:00
- Thursday
- 09:00-17:00
- Friday
- 08:00-17:00
- Saturday
- Closed
- Sunday
- Closed
As listed on Google.
From their website
Services listed
Checking accounts (Momentum Checking, Value Checking, Flexible Checking, Business Checking)Credit cards (VISA)VISA Gift CardsAuto loans and auto loan refinanceRecreation loans (boats, RVs, campers, motorcycles, ATVs, UTVs, personal watercraft)Mortgages (home equity, refinance)Personal loans and personal lines of creditSecured loans
Published prices
- Credit cards
- rates as low as 9.99% APR
- Auto loans
- fixed-rate up to 36 months as low as 3.89% APR
- Home equity loans
- low, fixed interest rates with terms from 5 to 30 years
- 7 Month CD Special
- 4.00% APY
- Member referral program
- $75 cash bonus for each new member
Credentials claimed:Federally insured by the NCUA, Equal Housing Lender, NMLS ID #562279
As published by the business on its own website; not independently verified.
Common questions
- How fast can I get approved for a loan?
- One member applied Monday and received approval Tuesday morning. Tish Reyes calls within hours to discuss applications.
- What auto loan rates does America's Credit Union offer?
- Their website lists fixed-rate auto loans from 3.89% APR for terms up to 36 months. One member saved $1,000 versus a dealership warranty.
- Can I apply remotely or while traveling?
- Yes. Tish Reyes worked with a member who lived far away and was traveling to complete the loan process.
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