Payday cash advance · TX

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.

Check Texas Offers → Tribal route

No dollar cap · 7-180 days

The numbers

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.

Maximum loan No fixed dollar cap
Maximum fee No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap)
Term 7-180 days
Rollovers Allowed
Approx. APR on $300 ~261% (14-day framing)
Statute Tex. Fin. Code Ch. 393
Regulator Texas Office of Consumer Credit Commissioner
Rescission 3 business days
Checked 2026-10-05 against Texas Office of Consumer Credit Commissioner publications · occc.texas.gov

Payday loans in Texas by city

Local guides for the 20 largest Texas markets — same statute, same caps, local context:

How a Texas payday loan works

  1. One form. Submit the request — email, name, amount. About two minutes, soft check, free to ask.
  2. Lenders review it. Those licensed to serve Texas decide on your income and checking account — usually within minutes.
  3. Compare the disclosure. Whatever an offer says, the fee must fit the Texas numbers in the table above — that is your legality check.
  4. 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.

Check offers for Texas. The one-form request reaches lenders that serve your state — about two minutes, a soft check, and no fee to ask. Payday One Loans is not a lender; any offer comes from an independent lender under its own license and pricing.
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