Texas Payday Loans
Payday loans are legal in Texas with no state cap on APR or maximum loan amount. Understand the rules, fees, and your alternatives before borrowing.
Find OptionsQUICK ANSWER
Texas payday loans are legal with no maximum APR or loan amount cap. Fees are structured: $10 per $100 for the first $300, plus $8 per $100 for amounts over $300. A $500 loan costs $68 in fees. Texas does not limit the number of concurrent loans. The statute of limitations on debt is 4 years. Alternatives include cash advance apps (Earnin, Dave, Brigit) with zero interest and credit union PALs.
Last reviewed: June 2026 · CashAdvanceFinder.com Editorial Team
Texas Payday Loan Laws
Texas payday loans are regulated under the Texas Finance Code Chapter 342 and the Texas Credit Code. The Office of Consumer Credit Commissioner (OCCC) licenses and oversees lenders. Key rules:
What Texas Payday Loans Cost
| Loan Amount | Fees | Total Repayment | APR (14 days) |
|---|---|---|---|
| $200 | $20 | $220 | 521% |
| $300 | $30 | $330 | 521% |
| $500 | $68 | $568 | 708% |
| $1,000 | $100 | $1,100 | 521% |
APRs are estimates for a 14-day term. Actual fees vary by lender. Always review the full disclosure before accepting.
Better Alternatives for Texans
Cash Advance Apps
Earnin, Dave, Brigit — zero interest, no credit check, same-day funding.
Credit Union PALs
Amplify FCU, Texas DPS CU, InTouch CU — APRs capped at 28%, 6–12 month terms.
Employer Advances
Ask your employer for a salary advance. Many Texas companies offer this at zero cost.
Texas Payday Loan Requirements
Most Texas lenders require only:
- Age 18 or older
- Active US checking account
- Valid government-issued ID
- Regular income (job, benefits, or self-employed)
- Texas resident address
Ready to explore your options?
Compare cash advance apps and payday loan options in Texas — free, no credit pull to browse.
Payday Loan Guides by City in Texas
Explore detailed payday loan guides for major cities in Texas, including local lenders, rates, and regulations.
Payday Loans in Houston
45+ lenders · Population 2.3M
Payday Loans in Dallas
40+ lenders · Population 1.3M
Payday Loans in San Antonio
35+ lenders · Population 1.5M
Payday Loans in Austin
30+ lenders · Population 978K
Payday Loans in Fort Worth
25+ lenders · Population 935K
Payday Loans in El Paso
18+ lenders · Population 678K
Payday Loans in Arlington
15+ lenders · Population 394K
Payday Loans in Corpus Christi
12+ lenders · Population 317K
Payday Loans in Lubbock
10+ lenders · Population 261K
Payday Loans in Laredo
8+ lenders · Population 264K
Payday Loans in McKinney
8+ lenders · Population 207K
Payday Loans in Plano
12+ lenders · Population 289K
Payday Loans in Irving
10+ lenders · Population 256K
Payday Loans in Garland
8+ lenders · Population 239K
Payday Loans in Frisco
8+ lenders · Population 210K
Compare Payday Loans by State
Payday loan laws vary significantly by state. Compare regulations, fees, and limits across all states:
Texas Payday Loan FAQs
Sources: Texas Finance Code Chapter 342, Texas Office of Consumer Credit Commissioner (OCCC), Texas Department of Banking.
Disclaimer: CashAdvanceFinder.com is not a lender. This page is for educational purposes only. Laws and regulations change — always verify current rules with the OCCC before borrowing.