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Travis County, Texas (TX)

Payday Loans in Austin, TX

9 lenders in Austin, TX · 9 verified in the last 30 days

Looking for a payday loan near you in Austin, Texas? We list 9 payday loan stores in Austin with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 8, 2026.

Austin lenders at a glance

Austin, in Travis County (population 993,588), has 9 lender locations in our directory: 37 pawn shops, 18 title loan stores, 9 payday loan stores and 7 installment lenders (some stores offer more than one type), across 19 ZIP codes. The chains with the most stores here are Cash America Pawn (14), EZPAWN (9) and TitleMax (9). Of the 25 stores that publish hours, 18 open on Saturday and 8 on Sunday. Austin has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Manor, about 12 miles away, with 1 location.

Stores by loan type
Payday loans 9
Title loans 18
Installment loans 7
Pawn shops 37
County
Travis County
ZIP codes with stores
78702, 78704, 78722, 78723, 78727, 78731, 78734, 78735, 78741, 78744, 78745, 78748, 78750, 78752, 78753, 78754, 78757, 78758, 78759
Hours (25 stores list them)
Open Saturday: 18
Open Sunday: 8
Open until 7 pm or later on weekdays: 18

Typical cost in Texas

Austin's payday and title loan ordinance

Austin is one of the Texas cities that limit payday and auto title loans by local ordinance (Austin City Code ch. 4-12, art. 2 § 4-12-10 and art. 3 §§ 4-12-20, 4-12-22). Under the ordinance:

  • Credit access businesses must register with the city.
  • A payday loan, including all fees, cannot exceed 20% of the borrower's gross monthly income.
  • An auto title loan cannot exceed the lesser of 3% of gross annual income or 70% of the vehicle's retail value.
  • Installment loans are limited to 4 payments, each paying down at least 25% of the principal.
  • Single-payment loans can be renewed at most 3 times, and each renewal must reduce the principal by at least 25%.

Source: Texas Appleseed, city payday and auto-title ordinances · City registration page · Last verified Oct 11, 2026. Check the city's current code before relying on these limits.

Questions people ask

How many pawn shops are in Austin, TX?

We list 37 pawn shops, 18 title loan stores, 9 payday loan stores and 7 installment lenders in Austin, checked against their sources as of October 8, 2026.

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).

Which lenders have the most stores in Austin?

Cash America Pawn (14 stores), EZPAWN (9 stores) and TitleMax (9 stores).

Are any lenders in Austin open on weekends?

Of the 25 stores that publish hours, 18 open on Saturday and 8 on Sunday. Holiday hours can differ, so call ahead.

Does Austin have its own payday loan rules?

Yes. Austin regulates payday and title lenders by local ordinance (Austin City Code ch. 4-12, art. 2 § 4-12-10 and art. 3 §§ 4-12-20, 4-12-22): a payday loan, with fees, cannot exceed 20% of the borrower's gross monthly income. Texas law applies as well.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Texas OCCC ALECS licensee search · 9 locations Last verified Oct 15, 2026
  2. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  3. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  4. Texas Appleseed, city payday and auto-title ordinances · Austin payday and title loan ordinance Last verified Oct 11, 2026 · high confidence

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.