Texas (TX) lender directory
Payday Loans in Texas
Looking for a payday loan near you in Texas? Pick your city below. We list 913 stores in 222 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
Payday loans by city
Top cities
- Payday loans in Houston 100
- Payday loans in San Antonio 48
- Payday loans in Dallas 32
- Payday loans in Fort Worth 31
- Payday loans in El Paso 28
- Payday loans in Corpus Christi 16
- Payday loans in Tyler 16
- Payday loans in Irving 15
- Payday loans in Laredo 15
- Payday loans in Pasadena 14
- Payday loans in McAllen 13
- Payday loans in Longview 12
All 222 cities A–Z
A
- Abilene 9
- Alamo 1
- Alice 3
- Alvin 3
- Amarillo 5
- Angleton 1
- Anthony 1
- Aransas Pass 1
- Arlington 11
- Athens 3
- Atlanta 1
- Aubrey 1
- Austin 9
- Azle 1
B
- Balch Springs 4
- Balcones Heights 2
- Bay City 2
- Baytown 4
- Beaumont 7
- Bedford 3
- Beeville 3
- Bellmead 1
- Belton 1
- Big Spring 2
- Boerne 1
- Bonham 1
- Borger 1
- Bowie 1
- Brady 1
- Brownsville 8
- Brownwood 3
- Bryan 5
- Burleson 2
C
- Canton 1
- Canutillo 1
- Carrollton 7
- Castle Hills 1
- Cedar Hill 1
- Cedar Park 4
- Center 4
- Channelview 1
- Childress 1
- China Grove 1
- Clarksville 1
- Cleburne 4
- Cleveland 2
- Clute 2
- College Station 2
- Commerce 1
- Conroe 6
- Converse 2
- Copperas Cove 5
- Corpus Christi 16
- Corsicana 3
- Crosby 1
D
- Dallas 32
- Dalworthington Gardens 1
- DeSoto 3
- Decatur 2
- Del Rio 1
- Denison 2
- Denton 7
- Dickinson 3
- Dumas 1
- Duncanville 2
E
F
- Forney 1
- Fort Worth 31
- Fredericksburg 1
- Frisco 4
G
- Gainesville 3
- Galveston 1
- Garland 5
- Georgetown 1
- Gilmer 1
- Gladewater 1
- Graham 1
- Granbury 1
- Grand Prairie 4
- Grapevine 1
- Greenville 3
- Gun Barrel City 2
H
- Haltom City 1
- Harker Heights 1
- Harlingen 9
- Helotes 1
- Henderson 3
- Hereford 1
- Hewitt 1
- Horizon City 3
- Houston 100
- Humble 7
- Huntsville 4
- Hurst 1
I
- Irving 15
J
- Jacksonville 2
- Jasper 1
K
L
- Lake Jackson 1
- Lake Worth 2
- Lancaster 2
- Laredo 15
- League City 4
- Leander 1
- Leon Valley 2
- Levelland 2
- Lewisville 5
- Liberty 1
- Livingston 1
- Longview 12
- Lubbock 11
- Lufkin 6
- Lumberton 1
M
- Manor 1
- Mansfield 3
- Marble Falls 2
- Marshall 4
- McAllen 13
- McKinney 6
- Mercedes 1
- Mesquite 5
- Mexia 3
- Midland 6
- Mineola 2
- Mineral Wells 2
- Mission 6
- Missouri City 1
- Mount Pleasant 2
N
O
P
- Palestine 4
- Pampa 1
- Pantego 1
- Paris 7
- Pasadena 14
- Pearland 4
- Penitas 1
- Pflugerville 3
- Pharr 3
- Plainview 2
- Plano 7
- Pleasanton 3
- Port Arthur 3
- Portland 1
Q
- Quinlan 1
R
- Raymondville 1
- Richardson 4
- Richland Hills 2
- Rio Grande City 4
- River Oaks 1
- Robstown 2
- Rockport 1
- Rockwall 1
- Rosenberg 4
- Round Rock 6
- Rowlett 1
S
- Sachse 1
- Saginaw 2
- San Angelo 5
- San Antonio 48
- San Benito 4
- San Elizario 1
- San Juan 1
- San Marcos 5
- Scurry 1
- Seagoville 1
- Seguin 3
- Seminole 1
- Sherman 6
- Socorro 3
- South Houston 1
- Spring 4
- Stafford 2
- Stephenville 1
- Sugar Land 3
- Sulphur Springs 3
- Sunnyvale 1
- Sweetwater 1
T
- Taylor 1
- Temple 4
- Terrell 3
- Texarkana 11
- Texas City 5
- The Colony 1
- Tomball 5
- Tyler 16
U
V
W
- Waco 7
- Wake Village 1
- Waskom 1
- Watauga 2
- Waxahachie 2
- Weatherford 1
- Webster 2
- Weslaco 6
- Wharton 1
- Wichita Falls 5
- Winnsboro 1
- Woodway 1
- Wylie 1
Payday loans in Texas: the rules
Most Texas payday loans are arranged by a licensed credit access business, which adds its own fee on top of the third-party lender's capped interest. They come as single-payment loans due in about two weeks to a month, or as multi-payment loans spread over several months. CABs must post their fees and give you the OCCC's cost disclosure before you sign.
The average payday APR in Texas is about 415%. Source: OCCC, 2025 Study of Consumer Loan Products.
What Texas borrowers actually pay
Averages that credit access businesses report to the OCCC each quarter.
| Loan | Average loan | Average CAB fee per $100 | Average term | Borrowers in quarter |
|---|---|---|---|---|
| Single-payment payday | $569 | $26.76 | 18 days | 13,007 |
| Installment payday | $606 | $163.09 | 133 days | 278,983 |
Source: OCCC Credit Access Business quarterly report, 2026Q2, checked Oct 7, 2026.
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 payday loan stores are in Texas?
We list 913 payday loan stores in Texas, in 222 cities.
Which Texas cities have the most payday loan stores?
Houston (100), San Antonio (48), Dallas (32), Fort Worth (31) and El Paso (28).
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.
- Texas OCCC ALECS licensee search · 723 locations Last verified Oct 15, 2026
- Cash Store locations · 119 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API) · 78 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
- Check 'n Go locations · 63 locations Last verified Oct 15, 2026
- CashMax Texas store map · 40 locations Last verified Oct 15, 2026
- City of San Antonio registered CAB list · 31 locations Last verified Oct 15, 2026
- OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
- OCCC Credit Access Business quarterly report (2026Q2) · Average loan, fee, term and borrower counts Last verified Oct 7, 2026
- Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
- 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
- 7 Tex. Admin. Code § 83.6004(a) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
- 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
- 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.