List of Direct Payday Lenders in Texas

The database lists direct payday loan lenders and direct installment lenders that offer cash advance loans to consumers who live in Texas

**Last Updated 10-14-2014**


MyPaydayLoan: An established online direct payday lender with a large presence in Texas. They promise a quick application process and can usually get you cash in hand in less than 24 hours. MyPaydayLoan is generally seen as being great to work with if you have bad credit or no credit at all. You must have an active checking account from a traditional bank(no pre-paid accounts or savings accounts) in order to be approved. Also, you won’t qualify for a loan if you’ve defaulted on a payday loan in the past year. **Update: As of July they’re no longer requiring you to fax in a bank statement for loans under $400.**


Payday Direct USA: Payday Direct is an online company offering payday loans and installment loans to Texas residents. At this time they’re offering cash advance loans of up to $1000 depending on your qualifications. You must be currently employed, have an active checking account and make at least $1200 to qualify for a payday loan with them. Also offering online installment loans of $1,000+ to qualified Texas residents.


Check City: Currently offering online direct installment loans and online direct payday loans to Texas residents. The maximum loan amount they offer for a direct payday loan in Texas is $600. This is based on a minimum loan term of 8 days with a maximum of 45 days. Installment loans offered by Check City are generally over $1,000. Check City also has numerous retail store-fronts throughout the state of Texas.


LendUp: Lendup is a new online lender that just started offering direct loans in Texas as of July 1st. They have lower rates when compared to traditional direct payday lenders and also promise you’ll have an opportunity to rebuild your credit by making on-time payments. At this time LendUp is offering direct cash advance loans to Texas residents of up to $1,000. They also offer a 15 minute deposit option where you can get your loan in as few as 15 minutes assuming your bank is setup for this.


Ace Cash Express: Ace has been funding online direct cash advance loans in Texas for years and they currently have the most retail storefronts in Texas as well. At this time they’re offering online direct cash advance loans of up to $1,000 for consumers in Texas. Ace requires you to have an active checking account with an income of at least $1,000 a month in order to qualify for a cash advance loan.


PaydayLoanToday: Longtime direct payday lender that’s currently offering online direct payday loans of up to $500 for Texas residents. They have lower interest rates when compared to other Texas payday lenders and offer a quick approval process through their online application system. Use code “200 fee free” through September for no fees on the first $200 borrowed when you apply for an online cash advance loan.


Check Into Cash: You may be familiar with Check Into Cash. They have many retail locations throughout the state and they’ve been offering online direct payday loans to Texas residents for over a decade. They offer cash advance loans online and have a fully automated 24/7 application process. Founding member of Community Financial Services Association.


RISE: RISE offers a unique approach to the lending environment in Texas. They have flexible payment terms with the option to pay back your loan over months instead of weeks compared to a normal direct payday loan. Another unique option with RISE is they allow you to choose your payoff term! At this time RISE can help Texas residents get a loan of $200 to $1,500.


CashNetUSA: They have been around for decades and claim to have over 1 million satisfied customers. At this time CashNet is offering next day online cash advance loans of up to $700 if you live in Texas. They’re generally seen as being easy to work with if you have bad credit or past payday loan issues. CashNetUSA has extended their 50% off loan fees promo through the end of October, just use promo code “NEWCASH50″.


Are you having trouble getting a loan from the direct payday lenders listed here? If you have multiple cash advance loans outstanding, very bad credit, or if you have trouble verifying your income or bank information it may be tough to get an online payday loan from any company. If you fall into this category you may want to check out They’re not a direct cash advance lender but they work with hundreds of financial companies that are willing to fund loans for just about everyone regardless of their financial situation! Check them out today and see if you qualify with anyone from their network of direct payday lenders and direct installment lenders.


Cash Central Loans: Cash Central is a large direct payday lender that’s just started offering direct online installment loans in Texas as well. They have an easy 3-step approval process and you can expect a real-time decision regarding loan approval in less than 5 minutes. Currently offering cash advance loans up to $2,500 for Texas residents. Use Discount Code CRMUT5″” for 10% off all loan fees through October.


Round Sky Loans: A new lender that’s offering installment loans and payday loans to Texas residents. They are funding online cash advance loans up to $1,000 for new customers and also offer installment loans for returning customers. They Have a quick online application process and promise next day cash in hand for qualified applicants.


Check back at least once a week for updates regarding these online direct payday lenders and direct installment lenders. Texas is a good state to be in if you’re looking for an online cash advance loan. Most of the large national direct payday lenders chose to operate in Texas and they can usually loan more money with better terms compared to other states, even if you have bad credit. With that being said, we expect more direct payday lenders and direct installment lenders to start lending again as we move towards the end of 2014.
direct payday lenders in Texas

Find A Direct Payday Loan Lender in Texas

There are hundreds of companies in Texas that claim to offer direct cash advance loans. However, most of these companies are non-direct payday loan lenders. They will market and sell your personal information to companies that have nothing to do with payday loans. That means your personal information will be blasted all throughout the internet without your permission. You may have your identity stolen and your credit may be compromised. If you have bad credit now imagine how bad your credit will be if your identity is stolen! If you exhausted the traditional options of getting short term cash and find yourself in need of a payday loan you’ll want to make sure you go with a direct cash advance lender. This way you’ll be able to save time by applying directly at the source and you’ll have the piece of mind of knowing where your personal information is ending up. The good news is that Texas is a great state to live in if you’re looking for a payday loan. There are many companies in the state ready and willing to offer you a direct online payday loan, regardless of the fact that you may have bad credit or no credit at all. You just have to know who they are!

Our goal at is to list and detail all the major direct payday loan lenders and direct installment lenders that currently offer cash advance to consumers living in Texas. The companies listed are actual direct cash advance lenders offering loans in Texas. They work with all types of consumers, from consumers with good credit that are in need of short-term cash to consumers with very bad credit that are trying to get back on their feet. They will process your information to see if you qualify for a direct online loan from their company. Once you qualify for a direct cash advance loan they will usually wire the loan amount to your bank account within one business day. Keep in mind, we don’t endorse or recommend any of the online cash advance loan lenders listed on this site. The only thing that stands out about these companies is the fact that they are direct lenders offering online loans in Texas.

Make sure you don’t waste your time with a non-direct payday loan lender. As time goes on we will also try to list all non-direct payday loan lenders marketing themselves to Texas residents. There is nothing inherently wrong with these non-direct cash advance lenders. In fact you may luck into getting an actual payday loan or installment loan with one of their marketing partners. Ultimately though, it’s easier to apply direct at the source with an online cash advance loan lender. Not only will you save time and money, you will be assured that your personal information will not be blasted all throughout the internet. If there are any direct payday loan lenders or direct installment lenders currently offering online loans in Texas that we haven’t listed please let us know. Assuming they’re direct lenders we will attempt to add them to our database.

Non-Direct Payday Loan Lenders in Texas

The websites listed below are non-direct payday loan lenders.  If you apply at any of these sites you will not receive a payday loan directly from that company.   Essentially these websites act as payday loan matching services.  They will match your personal information to a handful of prospective lenders.

For the most part there is nothing wrong with a payday loan matching service.  However you would probably be best served to go with a direct payday loan lender.  That way you don’t waste your time filling out multiple applications and having your personal information blasted throughout the internet. Also, regulations in Texas are getting tougher. More lenders are choosing to pause lending as the laws make it tougher to do business. Because of this, payday loan matching services are forced to sell your information to more and more companies. Make it easy on yourself and go with a direct lender. Just use our database of direct lenders here: List of Direct Lenders in Texas

List of non-direct lenders: