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Harris County, Texas (TX)

Payday Loans in Houston, TX

100 lenders in Houston, TX · 10 list hours · 9 open Saturday · 100 verified in the last 30 days

Looking for a payday loan near you in Houston, Texas? We list 100 payday loan stores in Houston 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 Houston

90 without listed hours yet

Houston lenders at a glance

Houston, in Harris County (population 2,390,125), has 100 lender locations in our directory: 174 pawn shops, 126 title loan stores, 100 payday loan stores and 23 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 101 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 23
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 (101 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.

Questions people ask

How many pawn shops are in Houston, TX?

We list 174 pawn shops, 126 title loan stores, 100 payday loan stores and 23 installment lenders in Houston, 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 Houston?

Cash America Pawn (53 stores), EZPAWN (45 stores) and ACE Cash Express (36 stores).

Are any lenders in Houston open on weekends?

Of the 101 stores that publish hours, 83 open on Saturday and 20 on Sunday. Holiday hours can differ, so call ahead.

Does Houston have its own payday loan rules?

Yes. Houston regulates payday and title lenders by local ordinance (Houston Code of Ordinances ch. 28, art. XV, div. 1, §§ 28-481 to 28-504 (restrictions: § 28-502)): 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 · 90 locations Last verified Oct 15, 2026
  2. Check 'n Go locations · 6 locations Last verified Oct 15, 2026
  3. Cash Store locations · 4 locations Last verified Oct 15, 2026
  4. OpenStreetMap (Overpass API) · 2 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  5. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  6. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  7. 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.