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Texas (TX) lender directory

Installment Loans in Texas

Looking for an installment loan near you in Texas? Pick your city below. We list 358 stores in 164 Texas cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Installment loans by city

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Installment loans in Texas: the rules

Traditional installment loans in Texas are made by regulated lenders under Finance Code chapter 342, with rates and fees capped by loan size and repaid in scheduled payments. Some storefronts also arrange multi-payment payday or title loans through a credit access business, which cost far more. Many regulated-lender records at the OCCC now show the license as moved to NMLS; check NMLS Consumer Access for current status.

Questions people ask

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).

How many installment lenders are in Texas?

We list 358 installment lenders in Texas, in 164 cities.

Which Texas cities have the most installment lenders?

Houston (23), El Paso (22), Dallas (12), San Antonio (11) and Laredo (9).

How much can lenders charge in Texas?

On the first tier of a regular consumer loan (cash advance up to a $300 reference base amount, adjusted under Chapter 341), interest is capped at add-on interest of $18 per $100 per year (Tex. Fin. Code § 342.201(a)(1)). More limits are listed under the state rules on this page.

How do I check a lender's license in Texas?

Lenders in Texas are licensed by the Texas Office of Consumer Credit Commissioner (OCCC). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. Texas OCCC ALECS licensee search · 276 locations Last verified Oct 15, 2026
  2. World Finance locations · 143 locations Last verified Oct 15, 2026
  3. OneMain Financial branches · 106 locations Last verified Oct 15, 2026
  4. Check 'n Go locations · 63 locations Last verified Oct 15, 2026
  5. Republic Finance locations · 46 locations Last verified Oct 15, 2026
  6. OpenStreetMap (Overpass API) · 24 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  7. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  8. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  9. Tex. Fin. Code § 393.625, Tex. Fin. Code § 393.603, Tex. Fin. Code § 393.221(2), Tex. Fin. Code § 393.602(b), Tex. Fin. Code § 393.222(a), Tex. Fin. Code § 393.223(a), Tex. Fin. Code § 393.221(3), Tex. Fin. Code § 393.223(b) · General rules, Payday loans (deferred presentment), Title loans Last verified Oct 9, 2026 · high confidence
  10. 7 Tex. Admin. Code § 83.6004(a) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  11. Tex. Fin. Code § 342.051(a), Tex. Fin. Code § 342.201(a)(1), Tex. Fin. Code § 342.201(a)(2), Tex. Fin. Code § 342.251, Tex. Fin. Code § 342.252(a)(3)(A), Tex. Fin. Code § 342.252(a)(3)(B), Tex. Fin. Code § 342.255 · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
  12. Tex. Fin. Code § 371.159(c)(2), Tex. Fin. Code § 371.159(c)(3), Tex. Fin. Code § 371.159(c)(4), Tex. Fin. Code § 371.160(a)-(b), Tex. Fin. Code § 371.169, Tex. Fin. Code § 371.051, Tex. Fin. Code § 371.158, Tex. Fin. Code § 371.159(c)(1), Tex. Fin. Code § 371.170 · Pawn loans Last verified Oct 9, 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.