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Dallas County, Texas (TX)

Payday Loans in Cedar Hill, TX

1 lender in Cedar Hill, TX · 1 verified in the last 30 days

Looking for a payday loan near you in Cedar Hill, Texas? We list 1 payday loan store in Cedar Hill with its address, phone number, opening hours and, where Texas publishes it, license status. Last checked October 8, 2026.

Cedar Hill lenders at a glance

Cedar Hill, in Dallas County (population 49,618), has 1 lender location in our directory: 2 pawn shops, 1 payday loan store, 1 title loan store and 1 installment lender (some stores offer more than one type), all in ZIP code 75104. The chain with the most stores here is Republic Finance (1). The only store here that publishes hours is closed on weekends. Cedar Hill has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Duncanville, about 5 miles away, with 6 locations.

County
Dallas County
ZIP code
75104
Hours (1 store lists them)
Closed on weekends

Typical cost in Texas

Cedar Hill's payday and title loan ordinance

Cedar Hill is one of the Texas cities that limit payday and auto title loans by local ordinance (Unified payday/auto-title (CAB) ordinance). 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 · Last verified Oct 7, 2026. Check the city's current code before relying on these limits.

Questions people ask

How many pawn shops are in Cedar Hill, TX?

We list 2 pawn shops, 1 payday loan store, 1 title loan store and 1 installment lender in Cedar Hill, 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 Cedar Hill?

Republic Finance (1 store).

Are any lenders in Cedar Hill open on weekends?

The only store here that publishes hours is closed on weekends. Holiday hours can differ, so call ahead.

Does Cedar Hill have its own payday loan rules?

Yes. Cedar Hill regulates payday and title lenders by local ordinance (Unified payday/auto-title (CAB) ordinance): 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 · 1 location 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 · Cedar Hill payday and title loan ordinance Last verified Oct 7, 2026 · medium 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.