Texas (TX) lender directory
Payday & Title Loans in Texas
Looking for a lender near you in Texas? Pick your city below. We list 2,615 stores in 335 Texas cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Read our guide: Payday, Title and Installment Loans in Texas: Rules, Costs and Options
Lenders by city
Top cities
- Lenders in Houston 323
- Lenders in San Antonio 170
- Lenders in Dallas 112
- Lenders in El Paso 87
- Lenders in Fort Worth 77
- Lenders in Austin 62
- Lenders in Corpus Christi 52
- Lenders in Laredo 50
- Lenders in Irving 35
- Lenders in Arlington 34
- Lenders in Pasadena 33
- Lenders in Brownsville 32
All 335 cities A–Z
A
- Abilene 22
- Alamo 3
- Alice 7
- Alton 1
- Alvarado 1
- Alvin 8
- Amarillo 21
- Andrews 1
- Angleton 6
- Anna 1
- Anthony 2
- Aransas Pass 4
- Arcola 1
- Arlington 34
- Athens 8
- Atlanta 2
- Aubrey 1
- Austin 62
- Azle 2
B
- Bacliff 1
- Balch Springs 9
- Balcones Heights 3
- Bastrop 4
- Bay City 6
- Baytown 16
- Beaumont 18
- Bedford 9
- Beeville 6
- Bellaire 1
- Bellmead 2
- Belton 2
- Benbrook 2
- Beverly Hills 1
- Big Spring 7
- Boerne 2
- Bonham 5
- Borger 2
- Bowie 1
- Boyd 1
- Brady 1
- Brazoria 1
- Breckenridge 1
- Brenham 2
- Bridge City 1
- Bridgeport 1
- Brownfield 1
- Brownsville 32
- Brownwood 8
- Bryan 14
- Buffalo 1
- Buna 1
- Burleson 9
- Burnet 1
C
- Caldwell 1
- Canton 2
- Canutillo 3
- Canyon Lake 1
- Carrollton 12
- Carthage 1
- Castle Hills 1
- Cedar Hill 4
- Cedar Park 8
- Center 6
- Channelview 4
- Childress 3
- China Grove 1
- Clarksville 1
- Cleburne 9
- Cleveland 6
- Clute 5
- Cockrell Hill 1
- College Station 6
- Commerce 2
- Conroe 16
- Converse 3
- Cooper 1
- Copperas Cove 10
- Corinth 1
- Corpus Christi 52
- Corsicana 9
- Crockett 1
- Crosby 3
- Crowley 2
D
- Daingerfield 1
- Dallas 112
- Dalworthington Gardens 2
- DeSoto 5
- Decatur 4
- Deer Park 2
- Del Rio 8
- Denison 6
- Denton 17
- Devine 1
- Dickinson 4
- Donna 3
- Dumas 2
- Duncanville 6
E
- Eagle Pass 8
- Early 1
- Eastland 2
- Edinburg 21
- Edna 1
- El Campo 4
- El Paso 87
- Elgin 2
- Elsa 2
- Ennis 5
- Euless 4
- Everman 1
F
- Falfurrias 2
- Farmers Branch 1
- Floresville 1
- Flower Mound 1
- Forest Hill 3
- Forney 1
- Fort Stockton 1
- Fort Worth 77
- Fredericksburg 1
- Freeport 1
- Friendswood 2
- Frisco 6
G
- Gainesville 7
- Galveston 5
- Garland 17
- Gatesville 3
- George West 1
- Georgetown 5
- Giddings 1
- Gilmer 2
- Gladewater 2
- Graham 3
- Granbury 6
- Grand Prairie 17
- Grapevine 4
- Greenville 7
- Groves 1
- Gun Barrel City 3
H
- Haltom City 8
- Harker Heights 2
- Harlingen 24
- Helotes 2
- Hempstead 1
- Henderson 7
- Hereford 3
- Hewitt 5
- Hidalgo 2
- Hillsboro 2
- Hitchcock 1
- Hondo 1
- Horizon City 5
- Houston 323
- Hudson Oaks 1
- Hughes Springs 1
- Humble 19
- Huntsville 9
- Hurst 2
- Hutto 2
I
J
- Jacinto City 2
- Jacksonville 5
- Jasper 3
- Joshua 2
K
- Katy 12
- Kaufman 1
- Keller 2
- Kemah 1
- Kenedy 1
- Kerrville 3
- Kilgore 3
- Killeen 17
- Kingsville 7
- Kirbyville 1
- Kyle 4
L
- La Feria 2
- La Grange 1
- La Joya 1
- La Marque 2
- La Porte 5
- Lacy-Lakeview 1
- Lake Jackson 5
- Lake Worth 4
- Lampasas 2
- Lancaster 5
- Laredo 50
- League City 9
- Leander 2
- Leon Valley 4
- Levelland 4
- Lewisville 15
- Liberty 3
- Liberty Hill 1
- Lindale 1
- Little Elm 1
- Livingston 4
- Lockhart 2
- Longview 26
- Los Fresnos 1
- Lubbock 26
- Lufkin 12
- Lumberton 2
- Lytle 1
M
- Madisonville 1
- Magnolia 3
- Malakoff 1
- Manor 1
- Mansfield 6
- Marble Falls 4
- Marshall 8
- McAllen 31
- McKinney 11
- Mercedes 2
- Mesquite 11
- Mexia 4
- Midland 11
- Midlothian 1
- Mineola 2
- Mineral Wells 4
- Mission 15
- Missouri City 5
- Montgomery 1
- Mount Pleasant 5
N
- Nacogdoches 8
- Navasota 1
- Nederland 6
- New Boston 1
- New Braunfels 14
- Newton 1
- North Richland Hills 4
O
P
- Palestine 7
- Palmhurst 1
- Palmview 1
- Pampa 2
- Pantego 2
- Paris 13
- Pasadena 33
- Pearland 9
- Pearsall 1
- Penitas 2
- Pflugerville 7
- Pharr 8
- Pittsburg 1
- Plainview 6
- Plano 16
- Pleasanton 5
- Port Arthur 5
- Port Isabel 1
- Portland 3
- Princeton 1
Q
- Queen City 1
- Quinlan 2
R
- Raymondville 2
- Richardson 7
- Richland Hills 2
- Rio Grande City 10
- River Oaks 3
- Robstown 4
- Rockport 3
- Rockwall 3
- Roma 2
- Rosenberg 9
- Round Rock 12
- Rowlett 5
S
- Sachse 1
- Saginaw 3
- San Angelo 14
- San Antonio 170
- San Benito 7
- San Elizario 1
- San Juan 3
- San Marcos 10
- Sanger 1
- Santa Fe 1
- Schertz 1
- Scurry 1
- Seabrook 1
- Seagoville 2
- Seguin 5
- Selma 1
- Seminole 1
- Seven Points 1
- Sherman 11
- Silsbee 2
- Socorro 5
- Sonora 1
- South Houston 5
- Spring 17
- Springtown 1
- Stafford 4
- Stephenville 4
- Sugar Land 5
- Sulphur Springs 7
- Sunnyvale 2
- Sweetwater 2
T
- Taylor 2
- Temple 13
- Terrell 7
- Texarkana 18
- Texas City 10
- The Colony 2
- Three Rivers 1
- Tomball 9
- Trinity 1
- Tyler 30
U
- Universal City 5
- Uvalde 2
V
W
- Waco 21
- Wake Village 1
- Waller 1
- Waskom 1
- Watauga 4
- Waxahachie 7
- Weatherford 5
- Webster 5
- Weslaco 13
- West Orange 1
- Wharton 3
- White Oak 1
- White Settlement 1
- Whitehouse 1
- Wichita Falls 14
- Willis 2
- Windcrest 2
- Winnsboro 1
- Woodville 1
- Woodway 1
- Wylie 2
Y
- Yoakum 1
Z
- Zapata 2
Is payday lending legal in Texas?
Yes. Payday and auto title loans are legal in Texas, but the store you visit usually does not make the loan. Under Texas Finance Code chapter 393, a credit access business (CAB) arranges the loan with a third-party lender and charges its own fee for doing so. The lender's interest is capped; the CAB fee is not, which is why Texas loans of this kind are expensive.
CABs must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC), post their fee schedule in each store, and hand you the OCCC's standard cost disclosure before you sign. You can look up any license in the OCCC license search.
On the OCCC's figures, the average APR is about 415% for a payday loan, 223% for an auto title loan and 180% for a pawn loan. Source: OCCC, 2025 Study of Consumer Loan Products, checked Oct 7, 2026.
Other lender types
- Pawnshops are licensed by the OCCC under Finance Code chapter 371. The maximum pawn charge falls as the loan gets bigger, and you can walk away by giving up the item.
- Installment lenders ("regulated lenders", Finance Code chapter 342) make loans with capped rates and fees, repaid in scheduled payments. Many of their OCCC records now show the license as moved to the NMLS system; check NMLS Consumer Access for current status.
- Online lenders and apps lend under a Texas license, a credit services registration or through a partner bank. See online lenders and apps in Texas.
What Texas borrowers actually pay
Averages that credit access businesses report to the OCCC each quarter.
| Loan | Average loan | Average CAB fee per $100 | Average term | Borrowers in quarter |
|---|---|---|---|---|
| Single-payment payday | $569 | $26.76 | 18 days | 13,007 |
| Installment payday | $606 | $163.09 | 133 days | 278,983 |
| Single-payment title | $1,952 | $18.90 | 30 days | 14,453 |
| Installment title | $1,426 | $112.01 | 163 days | 33,557 |
Source: OCCC Credit Access Business quarterly report, 2026Q2, checked Oct 7, 2026.
Cities with payday and title loan ordinances
46 Texas cities have local ordinances on payday and title lenders that limit the size of loans and the number of installments and renewals.
- Amarillo
- Angleton
- Arlington
- Austin
- Balcones Heights
- Baytown
- Bedford
- Bellaire
- Brownsville
- Bryan
- Canyon
- Cedar Hill
- College Station
- Corpus Christi
- Dallas
- DeSoto
- Denton
- Dickinson
- El Paso
- Euless
- Flower Mound
- Fort Worth
- Galveston
- Garland
- Grand Prairie
- Harker Heights
- Houston
- Hurst
- Killeen
- Longview
- Mesquite
- Midland
- Pharr
- San Angelo
- San Antonio
- Seguin
- Socorro
- Somerset
- South Houston
- Sulphur Springs
- Temple
- Universal City
- Waco
- Weatherford
- West University
- Willis
Source: Texas Appleseed, city payday and auto-title ordinances.
Questions people ask
Are payday loans legal in Texas?
Yes. Payday lenders operate in Texas under state rules. For example: A credit services organization that arranges payday loans must hold a credit access business license for each location where it operates (Tex. Fin. Code § 393.603).
How many pawn shops are in Texas?
We list 1,170 pawn shops, 1,087 title loan stores, 913 payday loan stores and 358 installment lenders in Texas, in 335 cities.
Which Texas cities have the most lenders?
Houston (323), San Antonio (170), Dallas (112), El Paso (87) and Fort Worth (77).
How do I check a lender's license in Texas?
Lenders in Texas are licensed by the Texas Office of Consumer Credit Commissioner (OCCC). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- Texas OCCC ALECS licensee search · 2,380 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API) · 277 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
- TitleMax store locator · 236 locations Last verified Oct 15, 2026
- EZPAWN store locator · 236 locations Last verified Oct 15, 2026
- World Finance locations · 143 locations Last verified Oct 15, 2026
- Cash Store locations · 119 locations Last verified Oct 15, 2026
- OneMain Financial branches · 106 locations Last verified Oct 15, 2026
- Check 'n Go locations · 63 locations Last verified Oct 15, 2026
- City of San Antonio registered CAB list · 46 locations Last verified Oct 15, 2026
- Republic Finance locations · 46 locations Last verified Oct 15, 2026
- CashMax Texas store map · 40 locations Last verified Oct 15, 2026
- OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
- OCCC Credit Access Business quarterly report (2026Q2) · Average loan, fee, term and borrower counts Last verified Oct 7, 2026
- Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
- Tex. Fin. Code § 393.625, Tex. Fin. Code § 393.603, Tex. Fin. Code § 393.221(2), Tex. Fin. Code § 393.602(b), Tex. Fin. Code § 393.222(a), Tex. Fin. Code § 393.223(a), Tex. Fin. Code § 393.221(3), Tex. Fin. Code § 393.223(b) · General rules, Payday loans (deferred presentment), Title loans Last verified Oct 9, 2026 · high confidence
- 7 Tex. Admin. Code § 83.6004(a) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
- Tex. Fin. Code § 342.051(a), Tex. Fin. Code § 342.201(a)(1), Tex. Fin. Code § 342.201(a)(2), Tex. Fin. Code § 342.251, Tex. Fin. Code § 342.252(a)(3)(A), Tex. Fin. Code § 342.252(a)(3)(B), Tex. Fin. Code § 342.255 · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
- Tex. Fin. Code § 371.159(c)(2), Tex. Fin. Code § 371.159(c)(3), Tex. Fin. Code § 371.159(c)(4), Tex. Fin. Code § 371.160(a)-(b), Tex. Fin. Code § 371.169, Tex. Fin. Code § 371.051, Tex. Fin. Code § 371.158, Tex. Fin. Code § 371.159(c)(1), Tex. Fin. Code § 371.170 · Pawn loans Last verified Oct 9, 2026 · high confidence
- Texas Appleseed, city payday and auto-title ordinances · Cities with payday and title loan ordinances Last verified Oct 11, 2026
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.