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McLennan County, Texas (TX)

Payday & Title Loans in Waco, TX

21 lenders in Waco, TX · 9 list hours · 7 open Saturday · 2 open Sunday · 21 verified in the last 30 days · + 26 reported, not yet verified

Looking for a payday or title loan near you in Waco, Texas? We list 21 lender locations in Waco 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 Waco

12 without listed hours yet

License status is as shown in the Texas Office of Consumer Credit Commissioner (OCCC)'s public records. A status other than "Active" can also mean the license moved to another system (such as NMLS) or is held under another name.

Other lenders reported in Waco

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Listed in the Texas OCCC licensee search (seen Oct 15, 2026) with a license marked as transitioned to NMLS. Not yet matched to a current store list.

Waco lenders at a glance

Waco, in McLennan County (population 146,608), has 21 lender locations in our directory: 10 pawn shops, 8 title loan stores, 7 payday loan stores and 3 installment lenders (some stores offer more than one type), across 7 ZIP codes. The chains with the most stores here are Cash America Pawn (3), EZPAWN (3) and ACE Cash Express (2). Of the 9 stores that publish hours, 7 open on Saturday and 2 on Sunday. Waco has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Beverly Hills, about 3 miles away, with 1 location.

Stores by loan type
Payday loans 7
Title loans 8
Installment loans 3
Pawn shops 10
County
McLennan County
ZIP codes with stores
76701, 76704, 76705, 76707, 76708, 76710, 76711
Hours (9 stores list them)
Open Saturday: 7
Open Sunday: 2
Open until 7 pm or later on weekdays: 5

Typical cost in Texas

Waco's payday and title loan ordinance

Waco is one of the Texas cities that limit payday and auto title loans by local ordinance (Unified payday/auto-title (CAB) ordinance). 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 · Last verified Oct 7, 2026. Check the city's current code before relying on these limits.

Questions people ask

How many pawn shops are in Waco, TX?

We list 10 pawn shops, 8 title loan stores, 7 payday loan stores and 3 installment lenders in Waco, 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 Waco?

Cash America Pawn (3 stores), EZPAWN (3 stores) and ACE Cash Express (2 stores).

Are any lenders in Waco open on weekends?

Of the 9 stores that publish hours, 7 open on Saturday and 2 on Sunday. Holiday hours can differ, so call ahead.

Does Waco have its own payday loan rules?

Yes. Waco regulates payday and title lenders by local ordinance (Unified payday/auto-title (CAB) ordinance): 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 · 19 locations Last verified Oct 15, 2026
  2. EZPAWN store locator · 3 locations Last verified Oct 15, 2026
  3. TitleMax store locator · 2 locations Last verified Oct 15, 2026
  4. OneMain Financial branches · 1 location Last verified Oct 15, 2026
  5. Cash Store locations · 1 location Last verified Oct 15, 2026
  6. Republic Finance locations · 1 location Last verified Oct 15, 2026
  7. Check 'n Go locations · 1 location Last verified Oct 15, 2026
  8. OpenStreetMap (Overpass API) · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  9. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  10. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  11. Texas Appleseed, city payday and auto-title ordinances · Waco payday and title loan ordinance Last verified Oct 7, 2026 · medium 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.