CashAdvance.io

Cooke County, Texas (TX)

Payday & Title Loans in Gainesville, TX

7 lenders in Gainesville, TX · 5 list hours · 4 open Saturday · 7 verified in the last 30 days · + 2 reported, not yet verified

Looking for a payday or title loan near you in Gainesville, Texas? We list 7 lender locations in Gainesville with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 7, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Gainesville

2 without listed hours yet

License status is as shown in the Texas Office of Consumer Credit Commissioner (OCCC)'s public records. A status other than "Active" can also mean the license moved to another system (such as NMLS) or is held under another name.

Other lenders reported in Gainesville

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Listed in the Texas OCCC licensee search (seen Oct 15, 2026) with a license marked as transitioned to NMLS. Not yet matched to a current store list.

Gainesville lenders at a glance

Gainesville, in Cooke County (population 18,295), has 7 lender locations in our directory: 4 title loan stores, 3 payday loan stores, 2 pawn shops and 1 installment lender (some stores offer more than one type), all in ZIP code 76240. The chains with the most stores here are Cash Store (1), CashMax (1) and EZPAWN (1). Of the 5 stores that publish hours, 4 open on Saturday and 0 on Sunday. The nearest other city with lenders is Sanger, about 18 miles away, with 1 location.

County
Cooke County
ZIP code
76240
Hours (5 stores list them)
Open Saturday: 4
Open until 7 pm or later on weekdays: 3

Typical cost in Texas

Rules for lenders in Gainesville

Gainesville has no city payday or title loan ordinance in our records, so state law applies: payday and title loans are arranged by licensed credit access businesses, which must post their fees and give you the OCCC's cost disclosure before you sign. The average Texas payday loan APR is about 415%, and about 223% for auto title loans. See Texas lending rules.

Questions people ask

How many title loan stores are in Gainesville, TX?

We list 4 title loan stores, 3 payday loan stores, 2 pawn shops and 1 installment lender in Gainesville, checked against their sources as of October 7, 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 Gainesville?

Cash Store (1 store), CashMax (1 store) and EZPAWN (1 store).

Are any lenders in Gainesville open on weekends?

Of the 5 stores that publish hours, 4 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

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 · 5 locations Last verified Oct 15, 2026
  2. CashMax Texas store map · 1 location Last verified Oct 15, 2026
  3. OpenStreetMap (Overpass API) · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  4. Cash Store locations · 1 location Last verified Oct 15, 2026
  5. TitleMax store locator · 1 location Last verified Oct 15, 2026
  6. EZPAWN store locator · 1 location Last verified Oct 15, 2026
  7. World Finance locations · 1 location Last verified Oct 15, 2026
  8. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  9. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 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.