Lenders That Offer Payday Loans In Texas


The database below lists direct lenders that provide online loans in Texas. **As of April 2017**

CashNetUSA: They have been around for decades and say they have over 1 million satisfied customers. CashNet is funding next day payday loans of up to $1800 and installment loans of up to $2400 in Texas. They’re generally seen as being easy to work with & you can expect to receive an immediate approval decision when you apply for a payday loan online. CashNetUSA has extended their 25% off loan fees promo through May, just use promo code “NEWCASH25”.


Payday Direct USA: Payday Direct is an online company offering payday loans to Texas residents. At this time they can provide Texas payday loans of up to $1000 depending on your qualifications. You must have a checking account, be currently employed and make at least $1400 a month to qualify for a payday loan with them. Also providing installment loans of $1,000+ to qualified Texas residents.


Check ‘n Go: Check ‘n Go is without a doubt one of the oldest lenders of cash advance loans in Texas. They have well over 200 stores all throughout the state with dozens of payday loan stores in Houston and Dallas alone. They also have a simple online application process and they promise next day cash if you qualify for a payday loan. Check ‘n Go provides direct payday loans of $300 to $1500 for Texas residents. The maximum payday loan term is 40 days and you can only have one loan out at a time.


Check Into Cash: You may be familiar with Check Into Cash. They have many retail locations in Texas(mostly in San Antonio, Dallas & Houston) and they have provided Texas payday loans & installment loans for over a decade. They can sometimes fund same day cash advances and use a fully automated 24/7 application process. Check Into Cash is a founding member of Community Financial Services Association.


MyPaydayLoan: An established direct lender who provides Texas payday loans. They promise a quick online application process and can usually get you cash in hand in less than 24 hours. MyPaydayLoan is generally seen as one of the best lenders to work with if you have poor credit or no credit at all. You will need a checking account from a traditional bank(no pre-paid accounts or savings accounts) to be approved. Also, you won’t qualify for a loan if you’ve defaulted on a payday loan in the past year. **Update: Texas residents no longer need to fax in a bank statement for payday loans under $500.**


Cash Central Loans: Cash Central is a large direct payday lender that funds 24/7 online payday loans to Texas residents. They have an easy 3-step approval process and you can expect a real-time decision regarding loan approval in less than 5 minutes. Cash Central funds payday loans up to $2,000 and you can typically pay off your loan in anywhere from 7 to 35 days. Use Discount Code “CJ4720” for 20% off all loan fees when you apply for an online loan through May!


CashAdvance.com: A new lender that’s offering online installment loans and payday loans to Texas residents. They provide Texas payday loans of $400+ for new customers and also offer installment loans for returning customers. They’re great to work with if you have poor credit as you can usually get a low dollar online cash advance with them. Lastly, they have a quick online application process and promise next day cash in hand loans for qualified applicants.


MaxLend: MaxLend offers online loans that start at $100 and go up to $1,250 for Texas consumers. MaxLend can be a great option if you’re looking for a personal loan with no collateral required. They claim that having bad credit or no credit history doesn’t factor much into their lending decision. Lastly, Maxlend has no pre-payment penalty and offers loan lengths that max out at about 6 months for Texas residents.


Still having difficulties obtaining a loan from the payday lenders and online installment loan companies detailed on this site? If you have very poor credit, multiple cash advance loans outstanding 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 need to check out YourPayday. They don’t offer payday loans in Texas directly, instead they deal with hundreds of financial companies that are willing to fund loans in Texas! Check them out today and see if you qualify with anyone from their network of direct payday lenders and direct installment lenders.


Upstart: Upstart offers a unique approach to the online lending environment in Texas. They have flexible payment terms with the option to pay back your loan over months instead of weeks when compared to other firms that fund Texas payday loans. Another unique option is that applicants can choose your payoff term! You will probably need a credit score of at least 650 or higher. Upstart is funding direct loans of anywhere from $3,000 to $12,500.


Blue Trust Online Loans: Blue Trust is a large lender currently funding online loans in Texas. They have a 3-step approval process and you can expect a real-time decision regarding loan approval in less than 5 minutes. They claim Texas residents with monthly income of at least $2000 a month can be approved on a loan up to $1200. A typical loan term will last for 6 months and you will also need a checking account with direct deposit to qualify.


Lendyou: LendYou has been in business since 2008 & since then they’ve helped thousands of Texas consumers in getting a short-term loan. They have a quick online application process for same-day payday loans in Texas of anywhere from $500 to $15,000. LendYou is an accredited member of the Lenders Online Alliance.


BadCreditLoans.com: A new company that as their name says, provides bad credit payday loans to Texas residents. They provide cash advances of $500 to $1000 for new customers and also fund installment loans for returning customers. They’re great to work with, even for people with poor credit as you can usually get a low dollar online cash advance with them. Lastly, they have an updated application process and promise next day cash in hand loans for qualified applicants.


National Payday: Large national direct payday lender that’s currently funding 24 hour Texas payday loans online and instant direct payday loans through same day bank wire. They have low-interest rates compared to other lenders and have been funding cash advance loans in Texas for years. Currently loaning up to $400 for new Texas customers and up to $1000 for returning customers.


LendUp: Lendup is a new lender in Texas as of 2015. They have lower rates when compared to traditional 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 online loans to Texans of up to $800. 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.


PaydayLoanToday: Longtime lenders that’s currently providing Texas payday loans online of $500. It seems they have lower interest rates when compared to other companies that offer cash advances in Texas & they offer a quick approval process with their online application system. Texas residents are sometimes eligible for discount code savings on their payday loans. Check their website for more info.


Springleaf: This lender has been in business for decades and per their website they have serviced over 2 million consumers. They have numerous storefront personal loan offices in Dallas and Houston. Springleaf funds installment loans to consumers in Texas for up to $15,000. Their lending offers may change in Houston and other Texas cities that have caps on loan amounts, be sure to check their website. These types of loans are paid off over 1-3 years and you will most likely need a fair to good credit score in order be approved for a personal loan.


Check back at least once a week for updates regarding these Texas payday loans online. Texas is a good state to be in if you’re looking for a cash advance loan. Many of our online visitors arrive from large Texas cities like Dallas, Houston or San Antonio that have numerous payday loan stores, but we’ve been seeing an increase lately from smaller cities in Texas as well. So, don’t worry if there are no payday loan stores in your city. Most of the large national lenders choose to offer Texas loans and they can usually loan more money with better terms compared to other states, even people with terrible credit! We expect more direct payday lenders and direct installment lenders to start lending again as we move through the second half of 2017(This includes online payday loans Texas as well as direct lenders in Dallas, Houston & San Antonio).
list online loans in Texas

Find Direct Payday Loans in Texas

There are hundreds of companies that claim to provide payday loans in Texas. These include licensed online lenders and even some unlicensed retail payday lenders in cities such as San Antonio and Houston. However, many of these companies are non-direct lenders that are not able to fund payday loans online or in Dallas, Houston, and San Antonio for that matter! They will market and sell your personal information to companies that have nothing to do with cash advances. 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. Just the other day we heard of a consumer in Houston that applied for a loan only to have their identity stolen a few months later. Turns out the company she applied with was not even a direct payday lender. If you have bad credit now just 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 direct loan you’ll want to make sure you go with a company that actually offers online payday loans in Texas! 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. There are many licensed lenders ready and willing to offer payday loans in Dallas, San Antonio or Houston, but there are many online lenders as well. You just have to know who they are! On that topic, we recently broke down the benefits of our directory of direct lenders. You can get a really good understanding of how to best use our database of Texas Lenders by clicking the preceding link. In this article, we discuss why it’s important to compare lenders when you live in specific cities like Houston and Dallas. We also touch on the time benefits of using a directory of lenders.

Our goal at Texaspaydaylenders.org is to document and detail all the major direct payday loan lenders and direct installment lenders that currently fund Texas cash advance loans. These lenders can offer online loans to consumers all across the state, not just to people in big cities like Houston or San Antonio. Assuming you have an internet connection you’re good to go. The companies listed are actual lenders offering online cash advance loans. They work with all types of consumers who are in need of online loans. 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. We don’t endorse or recommend any of the online payday loans Texas listed on this site. The only thing that stands out about these companies is the fact that they are direct payday lenders offering online loans in Dallas, Houston and other large cities!

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 Texas lenders. In fact, you may luck into getting an actual payday loan or installment loan with one of their marketing partners. It’s easier to apply direct at the source with a lender that actually offers online Texas payday loans! There area also many companies that provide cash advances in metropolitan areas like Dallas and Houston. There are hundreds of lenders that provide payday loans in Dallas, but if they don’t have have a website we probably won’t list them here. 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 loan lenders or direct installment lenders currently providing online loans Texas or payday loans Houston that we haven’t listed please let us know. Assuming they’re direct lenders we will attempt to add them to our database of payday loans Texas.

Apply Online For A Houston Payday Loan

Houston payday loans will often come along when you need them most. That doesn’t mean you should always jump at the chance to take out payday loans Houston. Like most cities in Texas, you will be have plenty of choices when it comes to get financed and apply for an online payday loan. Did you know there are literally hundreds of companies in Houston alone that provide payday loans? This is on top of the many different lenders that offer those same loans online! These many different choices mean you have options, but you also may be intimidated by the various lending options and differences in types of loans. You should first start by seeking out experts on payday loans Houston. This group of people may consist of friends and family that you trust will make good decisions on your behalf. It may also consist of state agencies or local groups that help people with various financial issues. If you live in Houston you will not have any problems finding agencies and Houston based non-profits that will work on your behalf to not only alternatives to payday loans but also to get you assistance with your loan choices.

Payday loans Houston are no different from other cities that promote the same types of loans. We’ve noticed over the past few years there are more Houston lenders providing loans on a per capital basis versus what we see in Texas. Here’s what we recommend when you find yourself in this type of financial circumstance. You may need short term cash to pay off a financial emergency or your may need money just to get by for a few days until your next paycheck. There are dozens of different reasons why you may need payday loans Houston so lets get to the next steps.

First of all you want to focus on your past lending history opposed to worrying about your credit score or past credit history. Like other Texas payday lenders, a Houston loan company will base your loan application chances on different types of reasons to be approved or disapproved for a loan. payday loans Houston today and 2016 Scour your past lending history to find out if there are any past due payday loans or charged off payday loans from Houston based payday loan lenders. The reason for this is that some Houston based as well as Dallas based payday lenders will often share information on consumers with a bad payday loan history. So, you may apply for a Dallas payday loan only to find out that you fell behind and forgot to payback a payday loan somewhere else in Texas a few years ago. Also, some cities such as Dallas and Houston have their own restrictions on what types of loans can be offered. The good news with these types of loans is you can easily apply for online payday loans. Click through this link for details on Payday loans in Dallas and Houston TX. For example, you may be only allowed to borrow a certain amount of money and you may be limited in the length of your loan term. Lastly, shop around the various lenders in Houston, or Texas for that instance to find a direct lender that best suits your needs. Most direct payday loan lenders in Houston have the same rates and terms, but you will be surprised on how much a discount you can get if you truely shop around for the best loan terms. To learn more about payday loans Houston, be sure to look up information online and check with your local bank or credit union to see if they have and direct lending options that may better serve your needs. Those types of loans while they’re not necessarily classified as direct payday loans, will usually give you a bit more flexibility to meet your financial obligations. This means the average Texas resident will have more cash on hand and be able to pay for things that are more important to your overall financial well being.

You can apply for many types of online payday loans in Houston!

Non-Direct Payday Loan Lenders in Texas

The websites listed below are non-direct payday loan lenders.  This means they don’t directly offer Texas payday loans. Usually, if a lender doesn’t directly fund online payday loans Texas that means they don’t fund online loans in other states as well. 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 that may or may not offer payday loans in Texas.

For the most part there is nothing wrong with a payday loan matching service.  However you would probably be best served to go with the company who’s actually funding the loan.  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. We’re seeing brick and motor lenders closing up shop in big cities like Dallas and Houston. Some of these companies are now offering online payday loans to residents all throughout Texas(not just in Houston or Dallas) but those lenders are few and far between. Because of this, payday loan matching services are forced to sell your information to more and more companies that may or may not offer Texas payday loans. Make it easy on yourself and go with a lender that actually funds online payday loans in Texas. Just use our database of direct lenders here: Directory of lenders that fund online payday loans Texas

List of non-direct lenders:


We do what we can to update this list of non-direct lenders. Much like our database of Lenders that offer Texas payday loans, we welcome information from our web visitors. Please reach out to us if you know of a lender that funds online payday loans Texas. On the flip side of that, let us know if you recently tried to apply with a lender for payday loans Texas only to find out it was a non-direct lender. This list of lenders does not differentiate between online lenders and offline companies. Most offline lenders or “retail” lenders that promote Texas payday loans will tend to be direct payday lenders. Another thing to watch out for is lenders who say they’re direct payday lenders, when they’re actually not. These companies will claim to provide payday loans Texas but they’re only going to take your information and market it to other companies. With our payday loans Texas blog page, we give you ways to find out whether a company is a direct lender of Texas payday loans or not.