CashAdvance.io

Harris County, Texas (TX)

Payday & Title Loans Open Late in Houston, TX

Updated · 73 stores checked

73 lenders in Houston, TX · 73 list hours · 73 open Saturday · 20 open Sunday · 73 verified in the last 30 days

73 of the lenders we list in Houston publish hours until 7 PM or later on at least one day. Check the hours with the store before you go.

Open now or opening soon

Houston lenders at a glance

Houston, in Harris County (population 2,390,125), has 324 lender locations in our directory: 174 pawn shops, 126 title loan stores, 100 payday loan stores and 24 installment lenders (some stores offer more than one type), across 78 ZIP codes. The chains with the most stores here are Cash America Pawn (53), EZPAWN (45) and ACE Cash Express (36). Of the 102 stores that publish hours, 83 open on Saturday and 20 on Sunday. Houston has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Bellaire, about 7 miles away, with 1 location.

Stores by loan type
Payday loans 100
Title loans 126
Installment loans 24
Pawn shops 174
County
Harris County
ZIP codes with stores
77002, 77004, 77005, 77007, 77008, 77009, 77011, 77012, 77013, 77014, 77015, 77016, 77017, 77018, 77019, 77020, 77021, 77022, 77023, 77025, 77026, 77027, 77028, 77029, 77031, 77033, 77034, 77035, 77036, 77037, 77038, 77039, 77040, 77041, 77042, 77045, 77047, 77048, 77049, 77051 and 38 more
Hours (102 stores list them)
Open Saturday: 83
Open Sunday: 20
Open until 7 pm or later on weekdays: 73

Typical cost in Texas

Houston's payday and title loan ordinance

Houston is one of the Texas cities that limit payday and auto title loans by local ordinance (Houston Code of Ordinances ch. 28, art. XV, div. 1, §§ 28-481 to 28-504 (restrictions: § 28-502)). 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.

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 · 69 locations Last verified Oct 18, 2026
  2. EZPAWN store locator · 40 locations Last verified Oct 18, 2026
  3. TitleMax store locator · 32 locations Last verified Oct 18, 2026
  4. OpenStreetMap (Overpass API) · 18 locations Last verified Oct 18, 2026 © OpenStreetMap contributors, ODbL 1.0
  5. Cash Store locations · 1 location Last verified Oct 18, 2026
  6. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  7. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  8. Texas Appleseed, city payday and auto-title ordinances · Houston 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.