Payday cash advance · Irving, TX

Payday Loans in Irving, Texas

238,289 people live in Irving, and every one of them borrows under the same Texas guardrails: no dollar cap, a $30 maximum fee on a $300 loan. Local branches and online lenders alike must fit inside those numbers — check any offer against this page.

Check Irving Offers → Texas rules

No dollar cap · 7-180 days

The numbers

The price in Irving is the state's

Texas sets one price for the whole state, and Irving lenders work inside it: a $300 advance carries up to $30.00 in fees — repay $330.00 (≈261% APR, 14-day framing).

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

Irving context Dallas County County · population 238,289 · median household income $52.2K (below the $Texas median of $59.6K)

Checked 2026-10-05 against Texas Office of Consumer Credit Commissioner publications

Irving at a glance

Maximum loan: no dollar ceiling — the market sets the price
What a $300 loan really costs: up to $30.00 in fees, repaid as $330.00 within 7-180 days
Cheapest alternative worth pricing first: an earned-wage draw on hours already worked — usually a few dollars against the whole fee
Sovereign route: tribal installment loans — $300–$2,000 over 3–24 months, lender-set APRs disclosed in the agreement
Fastest realistic funding: apply in the morning — same-business-day ACH before the cutoff, next business morning after it

Getting funded in Irving

One form. Submit once — email, name, amount. Two minutes, soft check, free to ask.
Lenders licensed for Texas review it. Decisions key on income and a checking account, usually within minutes.
Check the disclosure. The fee must fit the table above — that is your legality check, wherever the lender is based.
Repay once. One debit on the agreed date; if the date is wrong, ask about the state's extended payment plan before the due date.

Near Irving

Frequently asked questions

What does a $300 payday loan cost in Irving?

Texas law caps it at $30.00 in fees — repay $330.00 within 7-180 days (≈261% APR on the 14-day framing). Every licensed lender serving Irving must fit inside that number.

Do I have to live in Irving to apply here?

No — you need to live in Texas, in Irving or anywhere else in the state. The rules that set the price are Texas's, and the lenders in the network serve the whole state, including smaller towns around Dallas County County.

How fast is funding for Irving borrowers?

Decisions arrive in minutes; ACH funding lands the same business day when the approval beats the lender's early-afternoon cutoff, otherwise the next business morning. Weekend requests fund on Monday.

What qualifies in Irving?

Verifiable depositable income, an active checking account in your name, 18+ with ID. Decisions key on income and account health rather than a score, and seeing offers uses a soft check that never touches your report.

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