Payday Loans and Cash Advance in Sullivan City, TX
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 the McAllen–Edinburg–Mission metro area (about $47 per $100). Installment loans in the McAllen–Edinburg–Mission metro area cost more over their full term: about $130 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
Sullivan City residents can request $100 to $1,000 online in a few minutes and see offers from licensed Texas providers before deciding. Sullivan City has no local payday ordinance, so Texas state rules apply and the provider sets the loan amount. In the McAllen–Edinburg–Mission metro area, single-payment loans cost about $47 per $100 in 2025, above the Texas average of $24. The median household here earns $44,464, 43% below the Texas median, so a $300 loan repaid at once would take about 26% of a typical two-week paycheck.
Why request online
Payday loans in Sullivan City: the short answer
Installment loans in Sullivan City
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 Sullivan City budget
Single-payment loans in the McAllen–Edinburg–Mission metro area averaged about $47 in fees per $100 in 2025. At that rate, a $300 loan means about $441 due on your next payday.
Renters in Sullivan City already spend a median 33.6% 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.
Sullivan City, TX: Local Financial Snapshot
City-level ACS dataLocal economic and housing context for Sullivan City. 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 Sullivan City
- 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 the McAllen–Edinburg–Mission metro area, single-payment loans averaged 1.27 refinances per new loan in 2025.
Lower-cost options in Sullivan City
Loan places near me in Sullivan City
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Payday loans near me: Sullivan City and nearby towns
Requests work the same from any of these nearby Texas towns; distances are straight-line from Sullivan City.
- Los Ebanos, TX2 mi
- Grulla, TX3 mi
- La Joya, TX5 mi · pop. 4,763 · median income $53,526
- Garciasville, TX7 mi · pop. 196
- Penitas, TX8 mi · pop. 6,444 · median income $48,993
- Mission, TX14 mi · pop. 87,038 · median income $60,767
Other Hidalgo County towns:
What borrowing looks like in Sullivan City
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 Sullivan City?
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 2.6% of the median Sullivan City household income of $3,705 a month. Most Texas installment loans are arranged by credit access businesses and cost much more: about $130 per $100 in the McAllen–Edinburg–Mission metro area 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 Sullivan City than in the rest of Texas?
See the local numbers
Median household income in Sullivan City is $44,464, 43% below the Texas median, and median rent is $730 a month (48% below the state). Renters here spend a median 33.6% 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 Sullivan City?
See the math
A $500 payday loan at about $46.57 per $100 costs about $232.85 for two weeks, due in one payment of $732.85. 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 the McAllen–Edinburg–Mission metro area cost much more, about $130 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 Sullivan City?
How it works
No. The whole request is online and takes a few minutes. The nearest financial locations listed on this page are about 8 miles from Sullivan City, 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
Where can I get a cash advance near me in Sullivan City?
The nearest bank and credit union locations listed on this page are about 8 miles away, but you do not need to visit one: the request is online and takes a few minutes. If a licensed lender approves you, the money is usually sent by direct deposit, often by the next business day. Texas rules on loan amounts and fees apply.
Can I get a loan in Sullivan City 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 Sullivan City, Texas?
Yes. They are arranged by Credit Access Businesses licensed by the Texas OCCC. We found no local ordinance for Sullivan City, so state rules apply.
How much can I borrow in Sullivan City?
Texas sets no fixed maximum. In 2025 the average new single-payment loan in the McAllen–Edinburg–Mission metro area was $367; installment loans in the McAllen–Edinburg–Mission metro area averaged $790.
What does a payday loan cost in the McAllen–Edinburg–Mission metro area?
In 2025, single-payment loans cost about $47 in fees per $100 borrowed; installment loans in the McAllen–Edinburg–Mission metro area about $130 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).