Payday & Installment Loans in Roby, Texas
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the 2025 average for single-payment loans in Texas outside the major metro areas (about $30 per $100). Installment loans in Texas outside the major metro areas cost more over their full term: about $122 per $100. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- Texas providers must hold an OCCC license
- Full cost and APR shown before you sign
- All credit types can apply
Roby residents can request $100 to $1,000 online in a few minutes and see offers from licensed Texas providers before deciding. Roby has no local payday ordinance, so Texas state rules apply and the provider sets the loan amount. In Texas outside the major metro areas, single-payment loans cost about $30 per $100 in 2025, above the Texas average of $24. The median household here earns $59,758, 24% below the Texas median, so a $300 loan repaid at once would take about 17% of a typical two-week paycheck. Roby has 1 bank branch, but you do not need to visit one: the whole request is online.
Why request online
Payday loans in Roby: the short answer
Installment loans in Roby
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).
- 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
What a $300 loan means for a typical Roby budget
Single-payment loans in Texas outside the major metro areas averaged about $30 in fees per $100 in 2025. At that rate, a $300 loan means about $390 due on your next payday.
Renters in Roby already spend a median 17.5% of income on rent. If the repayment would leave you short on rent or bills, a smaller amount or a longer-term option below usually costs less.
Illustration from public averages. Your fee, APR and term come from the provider and must be disclosed before you sign. Census estimates for small towns have wide margins of error, so treat local figures as approximate.
Roby, TX: Local Financial Snapshot
City-level ACS dataLocal economic and housing context for Roby. Figures use the latest 2020–2024 American Community Survey 5-Year release available for small-area comparison.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-Year. Tables B01003, B19013, B25064, B25071, B17001 and B23025. City-level payday-loan volume is not consistently published for every U.S. locality, so no local borrowing count is estimated here.
Your protections in Roby
- The CAB must hold a Texas OCCC license; you can check it before you apply.
- Before you sign, the CAB must disclose its fees, the lender's interest and the APR.
- Texas has no statewide cap on CAB fees, which is why costs vary so much by provider.
- Each refinance adds a new fee. In Texas outside the major metro areas, single-payment loans averaged 0.46 refinances per new loan in 2025.
Lower-cost options in Roby
Financial Locations in and near Roby, TX
Select an address to display that exact location on the map.
Payday loans near Roby
Requests work the same from any of these nearby Texas towns; distances are straight-line from Roby.
- Sylvester, TX9 mi
- Rotan, TX10 mi · pop. 1,204 · median income $53,289
- Mc Caulley, TX11 mi
- Sweetwater, TX17 mi · pop. 10,385 · median income $44,892
- Hamlin, TX19 mi · pop. 2,011 · median income $60,625
- Hermleigh, TX22 mi · pop. 473 · median income $56,591
Other Fisher County towns:
What borrowing looks like in Roby
Worked out from local Census income and rent figures and state lending rules, so you can plan before you apply.
How much does a $1,000 installment loan cost per month in Roby?
See the math
As a regulated installment loan at the Texas limit of 30% APR over 12 months, $1,000 costs about $97.49 a month, or $169.85 in interest in total. That is 2.0% of the median Roby household income of $4,980 a month. Most Texas installment loans are arranged by credit access businesses and cost much more: about $122 per $100 in Texas outside the major metro areas over the full term (OCCC 2025). Your lender shows the exact APR and total cost before you sign.
Is it harder to cover bills in Roby than in the rest of Texas?
See the local numbers
Median household income in Roby is $59,758, 24% below the Texas median, and median rent is $593 a month (58% below the state). Renters here spend a median 17.5% of income on rent, so compare any monthly loan payment with what is left after rent and utilities.
Payday or installment loan: which costs less in Roby?
See the math
A $500 payday loan at about $29.85 per $100 costs about $149.25 for two weeks, due in one payment of $649.25. As a regulated installment loan at the Texas limit of 30% APR over 6 months, $500 costs about $90.77 a month and $44.65 in total interest. Installment loans arranged by credit access businesses in Texas outside the major metro areas cost much more, about $122 per $100 over the full term (OCCC 2025), so compare offers carefully. The payday loan is shorter; the installment loan is easier on a monthly budget if you cannot repay everything on your next payday.
Do I need to visit a store to get a loan in Roby?
How it works
No. The whole request is online and takes a few minutes. The nearest financial locations listed on this page are about 10 miles from Roby, but if a lender approves you, money is usually sent by direct deposit, often by the next business day.
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Questions people ask
Are payday loans legal in Roby, Texas?
Yes. They are arranged by Credit Access Businesses licensed by the Texas OCCC. We found no local ordinance for Roby, so state rules apply.
How much can I borrow in Roby?
Texas sets no fixed maximum. In 2025 the average new single-payment loan in Texas outside the major metro areas was $388; installment loans in Texas outside the major metro areas averaged $542.
What does a payday loan cost in Texas outside the major metro areas?
In 2025, single-payment loans cost about $30 in fees per $100 borrowed; installment loans in Texas outside the major metro areas about $122 per $100 over their life (our calculation from OCCC data).
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.
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.
Sources
State rules, regulator contacts and legal sources are listed on the Texas page. Local income and housing figures: U.S. Census Bureau, American Community Survey 2020–2024. Averages and fees per $100 are our calculations from OCCC totals (fees ÷ principal of new and refinanced loans).