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Payday Loans in Texas — Laws, Limits & Online Lenders

Compare licensed payday lenders in Texas. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Texas Payday Loan Laws at a Glance

Max Loan Amount No state cap
Max APR No state cap
Max Term No state limit
Rollovers Allowed (no state limit)
Cooling-Off Period None
Governing Statute Tex. Fin. Code § 393 (CAB model)
Note: Operates under Credit Access Business (CAB) model. Municipal regulations in some cities.

How to Get a Payday Loan in Texas

Getting a payday loan in Texas is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Texas-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Texas Borrowers

  • Must be 18 years or older (resident of Texas)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

Check Your Rate in Texas — No Credit Impact

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What to Know Before Borrowing in Texas

Under Tex. Fin. Code § 393 (CAB model), payday lenders in Texas may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Texas may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Texas and other state payday loan laws.

Payday Loans by City in Texas

Select your city for local payday loan information, lender options, and Texas regulations that apply to your area.

Houston San Antonio Dallas Austin Fort Worth El Paso Arlington Corpus Christi Plano Lubbock Laredo Irving Garland Frisco McKinney Amarillo Grand Prairie Brownsville Killeen Pasadena McAllen Mesquite Midland Beaumont Denton Carrollton Round Rock Abilene Odessa Waco Pearland Richardson Tyler College Station Lewisville Allen San Angelo League City Temple Edinburg Wichita Falls Bryan Mission Longview Pharr Conroe Flower Mound New Braunfels Baytown Cedar Park Missouri City Sugar Land Mansfield Georgetown Harlingen San Marcos Pflugerville North Richland Hills Victoria Rowlett Port Arthur

Texas Payday Loan FAQ

Are payday loans legal in Texas?

Yes. Payday loans are legal in Texas under Tex. Fin. Code § 393 (CAB model). Lenders must be licensed by the state banking regulator.

How much can I borrow in Texas?

The maximum payday loan amount in Texas is No state cap. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Texas?

The maximum APR for payday loans in Texas is approximately No state cap. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Texas?

Allowed (no state limit)

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