Payday Loans in Texas
Every payday loan in Texas runs inside the same guardrails: no dollar cap, 7-180 days, a $30 maximum fee on a $300 loan. What separates a good offer from a bad one is speed, disclosure, and the lender — which is exactly what the request form compares.
No dollar cap · 7-180 days
What Texas law allows
A $300 payday advance in Texas carries up to $30.00 in fees — repay $330.00 (≈261% APR on the 14-day framing). The full statutory picture:
Same math on $500: $50.00 in fees, repay $550.00 — assuming a loan structure your state allows at that size.
Payday loans in Texas by city
Local guides for the 20 largest Texas markets — same statute, same caps, local context:
- Houston
- San Antonio
- Dallas
- Austin
- Fort Worth
- El Paso
- Arlington
- Corpus Christi
- Plano
- Laredo
- Lubbock
- Irving
- Garland
- Amarillo
- Grand Prairie
- Brownsville
- McKinney
- Frisco
- Pasadena
- Mesquite
How a Texas payday loan works
- One form. Submit the request — email, name, amount. About two minutes, soft check, free to ask.
- Lenders review it. Those licensed to serve Texas decide on your income and checking account — usually within minutes.
- Compare the disclosure. Whatever an offer says, the fee must fit the Texas numbers in the table above — that is your legality check.
- Repay once, on payday. One debit on the agreed date — the fee is the entire cost. If the date is wrong, ask about the state's extended payment plan before the due date.
Frequently asked questions
How much can a payday loan in Texas be?
The statute caps it at No fixed dollar cap per loan. Lenders cannot legally split one need into several tickets to evade the cap — and any offer above No fixed dollar cap is not a lawful Texas payday loan.
What does a $300 payday loan cost in Texas?
10% per $100 means a $300 loan carries up to $30.00 in fees — repay $330.00 on 7-180 days. That works out to roughly 261% APR on the two-week framing.
How fast can I get a payday loan in Texas?
Decisions arrive in minutes and funding moves by ACH: same business day when a lender approves you before its early-afternoon cutoff, otherwise the next business morning. Weekend applications fund on Monday.
What do I need to qualify in Texas?
Three basics: verifiable depositable income, an active checking account in your name, and being 18+ with valid ID. Decisions key on income and account health rather than a credit score, and seeing offers uses a soft check.