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Bell County, Texas (TX)

Payday & Title Loans in Harker Heights, TX

2 lenders in Harker Heights, TX · 2 list hours · 1 open Saturday · 2 verified in the last 30 days · + 3 reported, not yet verified

Looking for a payday or title loan near you in Harker Heights, Texas? We list 2 lender locations in Harker Heights with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 7, 2026.

Open now or opening soon

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 Harker Heights

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

Found in OpenStreetMap (seen Oct 15, 2026). Not yet matched to a state license or the brand's own store list.

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.

Harker Heights lenders at a glance

Harker Heights, in Bell County (population 35,263), has 2 lender locations in our directory: 1 payday loan store, 1 title loan store and 1 installment lender (some stores offer more than one type), all in ZIP code 76548. The chains with the most stores here are Cash Store (1) and World Finance (1). Of the 2 stores that publish hours, 1 open on Saturday and 0 on Sunday. Harker Heights has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Killeen, about 5 miles away, with 17 locations.

Stores by loan type
Payday loans 1
Title loans 1
Installment loans 1
County
Bell County
ZIP code
76548
Hours (2 stores list them)
Open Saturday: 1

Typical cost in Texas

Harker Heights's payday and title loan ordinance

Harker Heights 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 payday loan stores are in Harker Heights, TX?

We list 1 payday loan store, 1 title loan store and 1 installment lender in Harker Heights, 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 Harker Heights?

Cash Store (1 store) and World Finance (1 store).

Are any lenders in Harker Heights open on weekends?

Of the 2 stores that publish hours, 1 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Does Harker Heights have its own payday loan rules?

Yes. Harker Heights 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. Cash Store locations · 1 location Last verified Oct 15, 2026
  2. World Finance locations · 1 location Last verified Oct 15, 2026
  3. Texas OCCC ALECS licensee search · 1 location Last verified Oct 15, 2026
  4. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  5. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  6. Texas Appleseed, city payday and auto-title ordinances · Harker Heights 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.