Need a payday loan in Texas? Apply online in minutes through licensed Texas lenders and receive funds as fast as today — no store visit required.
Payday Loans in Texas — Laws & Regulations
The Office of Consumer Credit Commissioner regulates all payday lenders operating in Texas. Legal limits for payday loans in TX:
| Maximum loan amount | $1,800 |
| Maximum fee | 10% of the loan amount |
| Maximum term | 180 days |
| State regulator | Office of Consumer Credit Commissioner |
Always confirm your lender holds a valid Texas lending licence before borrowing.
Cities We Serve in Texas
Online lenders serve all Texas residents including Houston, Dallas, San Antonio, Austin, Fort Worth, and every zip code in between. No in-store visit is required.
Payday Loan Lenders Serving Texas
| Lender | Loan Range | Term | Min. Credit | Funding | Action |
|---|---|---|---|---|---|
| CashNetUSA | $100 – $3,000 | Varies | Any | Same day | Apply Now → |
| OppLoans | $500 – $4,000 | 9 – 18 mo. | Any | Next day | Apply Now → |
| NetCredit | $1,000 – $10,000 | 6 – 60 mo. | Any | Next day | Apply Now → |
| Advance America | $100 – $1,500 | 2 – 12 mo. | Any | Same day | Apply Now → |
| MoneyMutual | $200 – $5,000 | Varies | Any | 24 hours | Apply Now → |
How to Apply — Step by Step
- Apply online from anywhere in Texas — Complete our secure form in 3 to 5 minutes from your phone or computer.
- Get matched with licensed Texas lenders — We only show lenders licenced to operate in Texas.
- Review your offer — Check the APR, repayment date, and total repayment cost. No obligation to accept.
- E-sign your agreement — Sign electronically. No printing, faxing, or in-person visits.
- Receive funds in Texas — ACH deposit to your Texas bank account. Often same or next business day.
Texas Payday Loan Requirements
- ✅ US citizen or permanent resident, 18 years or older
- ✅ Active checking account (some lenders accept prepaid debit cards)
- ✅ Verifiable income source — employment, benefits, or self-employment
- ✅ Valid government-issued photo ID (driver's licence or state ID)
- ✅ Active email address and working phone number
Frequently Asked Questions
Are payday loans legal in Texas?
Yes. Payday loans are legal and regulated in Texas under the oversight of the Office of Consumer Credit Commissioner. All lenders must be licensed to operate in TX.
What is the maximum payday loan in Texas?
The maximum payday loan in Texas is $1,800. Individual lenders may set lower limits. Confirm the exact amount with your chosen lender.
How fast can I get a payday loan in Texas?
Most online lenders serving Texas deposit funds the same or next business day. Apply before noon for the best chance of same-day funding.
Can I get a payday loan in Texas with bad credit?
Texas payday lenders primarily verify your income and bank account, not your credit score. Bad credit and no credit history are both accepted.
Does Texas allow payday loan rollovers?
Rollover policies in Texas are regulated. Restrictions apply in most states. Always confirm the rollover policy with your specific lender before borrowing.
Ready to Apply? Get Matched in 60 Seconds
Find lenders for payday loans Texas — no obligation, no hard credit pull required.
⚠️ We are a free comparison service, not a direct lender. Loan approval and terms are set by individual lenders. Read all agreements carefully before signing.