CashAdvance.io

Cameron County, Texas (TX)

Payday & Title Loans in Harlingen, TX

24 lenders in Harlingen, TX · 10 list hours · 5 open Saturday · 2 open Sunday · 24 verified in the last 30 days · + 33 reported, not yet verified

Looking for a payday or title loan near you in Harlingen, Texas? We list 24 lender locations in Harlingen with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Harlingen

14 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 Harlingen

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.

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

Harlingen lenders at a glance

Harlingen, in Cameron County (population 72,234), has 24 lender locations in our directory: 10 title loan stores, 9 payday loan stores, 8 pawn shops and 6 installment lenders (some stores offer more than one type), across 3 ZIP codes. The chains with the most stores here are ACE Cash Express (3), Cash America Pawn (3) and EZPAWN (3). Of the 10 stores that publish hours, 5 open on Saturday and 2 on Sunday. The nearest other city with lenders is San Benito, about 5 miles away, with 7 locations.

Stores by loan type
Payday loans 9
Title loans 10
Installment loans 6
Pawn shops 8
County
Cameron County
ZIP codes with stores
78550, 78551, 78552
Hours (10 stores list them)
Open Saturday: 5
Open Sunday: 2
Open until 7 pm or later on weekdays: 4

Typical cost in Texas

Rules for lenders in Harlingen

Harlingen 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 Harlingen, TX?

We list 10 title loan stores, 9 payday loan stores, 8 pawn shops and 6 installment lenders in Harlingen, 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 Harlingen?

ACE Cash Express (3 stores), Cash America Pawn (3 stores) and EZPAWN (3 stores).

Are any lenders in Harlingen open on weekends?

Of the 10 stores that publish hours, 5 open on Saturday and 2 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 · 22 locations Last verified Oct 15, 2026
  2. World Finance locations · 3 locations Last verified Oct 15, 2026
  3. EZPAWN store locator · 2 locations Last verified Oct 15, 2026
  4. TitleMax store locator · 2 locations Last verified Oct 15, 2026
  5. Check 'n Go locations · 1 location Last verified Oct 15, 2026
  6. OpenStreetMap (Overpass API) · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  7. Republic Finance locations · 1 location Last verified Oct 15, 2026
  8. OneMain Financial branches · 1 location Last verified Oct 15, 2026
  9. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  10. 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.