Payday Loans and Cash Advance in Texas: Get Offers Online
Texas · online request
Cash for unexpected bills: request $100 to $5,000 online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
How much do you need?
Estimated fee—
Total to repay—
Estimate uses the 2025 average for single-payment loans in Texas (about $24 per $100). Installment loans in Texas cost more over their full term: about $118 per $100. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offersFree to request · No obligation · Takes a few minutes
- Texas providers must hold an OCCC license
- Full cost and APR shown before you sign
- All credit types can apply
Texas payday loans, requested online
Texans can request $100 to $1,000 online from any of the 1,464 Texas cities we cover, from Houston and Dallas to small towns with no lender nearby. You fill in one form, licensed providers review it, and you see the full cost before you decide.
Single-payment loanRepay on your next paydayThe whole amount plus the fee is due in one payment. The average new loan in Texas was $529 in 2025.
Installment loanSpread over several paydaysSmaller payments over a longer term. 91% of Texas payday loans in 2025 were installment loans, averaging $627.
Texas has no statewide cap on CAB fees, so prices vary by provider and region. In 2025 single-payment loans cost about $18 per $100 in the Houston–Sugar Land–Baytown metro and about $47 per $100 in the McAllen–Edinburg–Mission metro. Sending one request to several providers is the simplest way to compare.
Houston, Dallas, Austin, San Antonio, El Paso and other cities with a local ordinance add limits: a loan cannot exceed 20% of your gross monthly income, installment loans are limited to four payments and single-payment loans to three renewals. To apply you need to be 18 or older, live in Texas, have a regular income and an active checking account. Bad credit does not rule you out.
Why request online
One form, several providersFill in your details once instead of applying lender by lender.
All credit types can applyProviders look at income and banking history, not only your credit score. Lenders may still check your credit.
No hidden costsTexas CABs must show the fee, interest and APR before you sign. You can say no.
Direct depositIf you accept an offer, funds go straight to your checking account, often by the next business day.
Payday loans in Texas: the short answer
How it worksCAB broker modelA Credit Access Business licensed by the OCCC arranges your loan with a third-party lender and charges a fee.
Market in 20251.59 million new loans91% were installment loans; 1,110 CAB locations filed annual reports.
Average cost~$24 per $100Single-payment loans. Installment loans: ~$118 per $100 over the life of the loan.
Average loan$627Installment; single-payment loans averaged $529.
Installment loans in Texas
Need more time to repay? Texas also allows consumer installment loans from licensed lenders, repaid in fixed monthly payments. 30% a year on the first $4,600 of the loan, 24% on $4,600-$9,660, 18% on $9,660-$23,000 (brackets valid July 1, 2026 to June 30, 2027).
Payday loan$300 → repay $371.28One payment in about two weeks, with a fee of about $71.28.
Installment loan$1,500 → $146.23 a month12 monthly payments at 30% APR, the Texas limit for a $1,000 loan; $254.77 interest in total.
Larger amountsRequests up to $35,000Lenders that offer larger personal loans in Texas review these requests; approval, amount and rate vary.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Regulated lender license, Texas Office of Consumer Credit Commissioner (OCCC).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
1RequestFill in a short form with your Texas address, income and checking account.
2Review your offerSee the amount, fee, APR and due date. Compare the total you repay.
3Get your moneyAccept and e-sign. Funding time depends on the provider and your bank.
You will need:Age 18+Government IDRegular incomeActive checking accountPhone and email
Payday Loan Rules in Texas
Allowed – CAB / broker model
| Maximum amount | No statewide dollar cap for CAB loans; some cities limit them to 20% of gross monthly income |
|---|---|
| Loan term | Varies by structure; regulated lender rules include minimum terms for certain products |
| Rate / fee rule | No single statewide cap on CAB service fee; underlying lender charges + CAB fee must be disclosed |
| Regulatory basis | Tex. Fin. Code Chs. 342, 393; 7 TAC Ch. 83 |
Key Rules
- CAB obtains third-party credit
- CAB licensed by OCCC under Finance Code Ch. 393
- local ordinances may impose additional rules
Regulatory reference: the statutes listed in this table and the state regulator. · NCSL 50-state payday lending summary State rules can change; confirm current terms before borrowing.
Payday loan costs by Texas metro area, 2025
Costs differ a lot by region. Fees per $100 show how much borrowers paid for each $100 of principal (new and refinanced loans).
| Area | CAB locations | Single-payment: avg loan | Fees per $100 | Installment: avg loan | Fees per $100 |
|---|---|---|---|---|---|
| Houston–Sugar Land–Baytown | 226 | $449 | $18 | $659 | $121 |
| Dallas–Plano–Irving | 156 | $559 | $21 | $754 | $199 |
| Fort Worth–Arlington | 101 | $426 | $29 | $556 | $102 |
| San Antonio–New Braunfels | 89 | $434 | $34 | $577 | $130 |
| McAllen–Edinburg–Mission | 48 | $367 | $47 | $790 | $130 |
| Austin–Round Rock–San Marcos | 44 | $478 | $28 | $772 | $121 |
| El Paso | 38 | — | — | $471 | $80 |
| Brownsville–Harlingen | 24 | — | — | $620 | $144 |
| Beaumont–Port Arthur | 23 | $391 | $30 | $840 | $133 |
| Laredo | 17 | — | — | $753 | $128 |
| College Station–Bryan | 5 | $360 | $19 | — | — |
| Rest of Texas (outside major metros) | 229 | $388 | $30 | $542 | $122 |
| All of Texas | 1,110 | $529 | $24 | $627 | $118 |
— = OCCC withholds data where fewer than five locations reported.
Texas cities with local payday ordinances
These cities cap payday loans at 20% of gross monthly income, allow at most four installments or three renewals, and require each payment to cut the principal by 25%.
AmarilloAustinBalcones HeightsBaytownBellaireBrownsvilleBryanCollege StationDallasDentonDickinsonEl PasoFlower MoundGalvestonGarlandHoustonMidlandSan AntonioSomersetSouth HoustonUniversal CityWest University Place
Cities from the Texas Appleseed list of local payday ordinances. The current list counts 49 cities; check with your city if it is not shown here.
Lower-cost options in Texas
Credit union PAL$200–$2,000, max 28% APRPayday Alternative Loans from federal credit unions run 1–12 months, with an application fee of $20 at most.
Check the licenseOCCC license searchEvery CAB must be licensed by the Office of Consumer Credit Commissioner. Ask for the license number before you sign.
Problem with a lender? Texas OCCC consumer helpline 800-538-1579 · file a complaint online. Active-duty service members and their dependents are covered by the Military Lending Act 36% rate cap.
Largest Texas cities
Questions people ask
Can I get a loan in Texas with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Texas?
Yes. Credit Access Businesses licensed by the OCCC arrange them with third-party lenders. Some cities add local limits.
How much does a payday loan cost in Texas?
In 2025, single-payment loans cost about $24 in fees per $100 borrowed and installment loans about $118 per $100 over their life (our calculation from OCCC data).
Is there a maximum payday loan amount in Texas?
There is no single statewide maximum. Cities with the model ordinance, such as Houston, Dallas and Austin, cap loans at 20% of gross monthly income.
Where can I complain about a payday lender in Texas?
Call the OCCC consumer helpline at 800-538-1579 or file a complaint at occc.texas.gov.
Ready to see your options in Texas?
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
Averages and fees per $100 are our calculations from OCCC totals (fees ÷ principal of new and refinanced loans).
Payday loans near me in Texas: find your city
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