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Harris County, Texas (TX)

Payday Loans in Houston, TX · page 2 of 2

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.

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 · 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.