Payday Loans in Texas (TX)

As a highly professional online loan broker in the USA, Weloans partners with lenders with good reputation for payday loans in Texas. Find out more details on this page.

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    15 Best Payday Loans & Cash Advance in Texas (TX)

    Here we collect detailed infos regarding a list of payday loan lenders in Texas. Hit on the button below to apply now.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (2380)
      • Address:
      • 337 Farm to Market 1960 Rd W, Houston, TX 77090, United States
      • Phone:
      • +1 281-895-7296
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (2125)
      • Address:
      • 1243 SW Military Dr, San Antonio, TX 78221, United States
      • Phone:
      • +1 210-526-7246
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (2035)
      • Address:
      • 4311 Fredericksburg Rd, Balcones Heights, TX 78201
      • Phone:
      • (210) 785-9032
      • Open hours:
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1662)
      • Address:
      • 6898 Bandera Rd, Leon Valley, TX 78238, United States
      • Phone:
      • +1 210-526-6877
      • Open hours:
    • 5
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1643)
      • Address:
      • 211 W Camp Wisdom Rd, Duncanville, TX 75116, United States
      • Phone:
      • +1 972-283-5801
      • Open hours:
    • 6
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1313)
      • Address:
      • 12015 Murphy Rd, Houston, TX 77031
      • Phone:
      • (281) 933-8687
      • Open hours:
    • 7
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1281)
      • Address:
      • 7640 S Texas 6 South, Houston, TX 77083, United States
      • Phone:
      • +1 281-668-2927
      • Open hours:
    • 8
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1272)
      • Address:
      • 9919 N Fwy Service Rd Ste 110, Houston, TX 77037, United States
      • Phone:
      • +1 281-820-7938
      • Open hours:
    • 9
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1197)
      • Address:
      • 4316 San Bernardo Ave, Laredo, TX 78041, United States
      • Phone:
      • +1 956-728-7337
      • Open hours:
    • 10
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1190)
      • Address:
      • 318 N Cage Blvd, Pharr, TX 78577, United States
      • Phone:
      • +1 956-961-4580
      • Open hours:
    • 11
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1110)
      • Address:
      • 10610 Farm to Market 1960 Rd W, Houston, TX 77070, United States
      • Phone:
      • +1 281-469-1461
      • Open hours:
    • 12
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1073)
      • Address:
      • 4727 W Commerce St Ste. 103, San Antonio, TX 78237, United States
      • Phone:
      • +1 210-526-7292
      • Open hours:
    • 13
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1055)
      • Address:
      • 6221 Bellaire Blvd, Houston, TX 77081, United States
      • Phone:
      • +1 713-239-1851
      • Open hours:
    • 14
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1035)
      • Address:
      • 140 N Hwy 77, Waxahachie, TX 75165, United States
      • Phone:
      • +1 972-937-1785
      • Open hours:
    • 15
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1008)
      • Address:
      • 4517 Everhart Rd, Corpus Christi, TX 78411, United States
      • Phone:
      • +1 361-855-1463
      • Open hours:
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    Texas Payday Loans Regulations

    • Loan Amount (max)

      $Not specified

    • Loan Term (max)

      Not fixed

    • Finance Charges

      >$30 => $1 for each $5 [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35) [$35 – $70] => $3.50/mo + $4/mo (>$70) >$100 => $10 + $4/mo for each $100

    • APR
      662%

    Based on the regulations in Texas, payday loans are Legal.The interest rate can be 662%.You can get the amount of $Not specified at most.No restriction (no more than 3 if the City Ordinance was adopted) rollovers are allowed. Finance charges is >$30 => $1 for each $5 [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35) [$35 – $70] => $3.50/mo + $4/mo (>$70) >$100 => $10 + $4/mo for each $100. Borrowers must payback the due amount within 4 years (from the last payment).

    Texas Loan Amount

    Nowadays, there is no regulation about the maximum amount of money that one can borrow from Texas payday loan lenders.

    Texas Rates, Fees, and Other Charges

    There is no maximum fee for the financing aspect with the APR of 400+% in Texas.

    • An acquisition charge can be assessed if you apply for advances for no more than $40, and you could get each $5 advanced with no more than $1.
    • An acquisition charge might be applied if your advances range from $30 to $100.
      • The acquisition charge should be no more than one-tenth of the total cash advance amount.
      • An installment loan account is allowed to deal with charges no more than:
        • When a cash advance is no more than $35, $3 per month is needed.
        • When a cash advance is ranging from $35 to $70, $3.50 per month is needed.
        • When a cash advance is more than $70, $4 per month is needed.
    • In the case of any advance more than $100:
      • As long as it is no more than the rate of $4 per month for each $100 of the advance, then the charge for an installment account can be assessed. (Financial Code Ann. §§342.251)

      How Much Would a $200 Payday Loan Cose in Texas?

      With a 14 days term:

      ARP: 662%

      Loan cost: $200*662%*(14/365)=$50.8

      To return: Principal + Loan cost = $200+$50.8=$250.8

      Repayment in Texas

      Borrowers should repay the loan before the maturity date while lenders are supposed to return unearned fees. (RULE §83.604)

      Other Information for Consumers

      Important Notes

      Lenders are not obligated to check a borrower’s competence to repay a loan since July 2020.

      Be careful, evaluate your financial situation, don’t get into a debt trap.

      The rule was regulated by the CFPB.

      Under Texas law, if there is any fraud or any unlawful act from the lenders’ side, it is better to deal with it first before turning to two regulators.

      One of two regulators is the Texas Office of Consumer Credit Commissioner (OCCC), which is responsible for businesses that provide small payday loans in Texas. People could visit the official website of OCCC and complete the complaint form for their needs. After filling out the form, send it back to OCCC by email. For your information, the complaint case would be public.

      The other regulator is the Texas Attorney General’s office. People are able to file a complaint with them here for further information or seeking help. (The operating steps are similar to the ones of OCCC. )

    Search for Payday Loans in Texas by Major Cities

    To locate an online payday loan in Texas, the most effortless way is working with WeLoans. Just click on your target city below. Our strong database will never disappoint you!

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    Texas Payday Loan Calculator

    Find out the amount of money you're going to pay for a Texas payday loan easily with the calculator below.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Proximate Payday Loans in Texas

    TitleMax Title Loans
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (1010)
    Loan agency
    Oportun
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (928)
    Loan agency
    Atlas Credit Co., Inc.
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (899)
    Loan agency
    Speedy Cash
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (870)
    Loan agency