List of Direct Payday Lenders in Texas

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

**Last Updated 7-21-2014**


MyPaydayLoan:   A longtime established direct payday lender with a large presence in Texas.  They promise a quick application process and can get you cash in hand in less than 24 hours.   MyPaydayLoan will never run your credit and they’re generally seen as being great to work with if you have poor credit or no credit at all. Offering up to $1,000 for Texas residents. **Update** They just added a streamlined online application process & claim you’re now twice as likely to be approved for a payday loan. **Update**


Payday Direct USA: Online company offering payday loans and installment loans to Texas residents. At this time they’re offering payday loans of up to $1000 depending on your qualifications. You must be currently employed, have an active checking account and make at least $800 to qualify for a payday loan with them. Also offering installment loans of $1,000+ to qualified Texas residents.


Ace Cash Express:   Ace has been funding online direct payday loans in Texas for years and they currently have the most retail storefronts in Texas as well.  At this time they’re offering direct payday loans 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.


LendUp: Lendup is a new 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 as well. LendUp offers direct 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 little as 15 minutes assuming your bank qualifies.


Cash Central Loans:   Cash Central is a large direct payday lender that’s just started offering direct 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 loans up to $2,500 for Texas residents. Use Discount Code “PDRFB6142X” for 20% off all payday loan fees through July.


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


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


RISE Credit: RISE is a large brand new direct lender. They promise a unique approach to the direct lending environment. They have very 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 is offering direct loans to Texas residents of anywhere from $250 to $1,000.


CashNetUSA: They have been around for decades and claim to have over 1 million satisfied customers. At this time CashNet is offering next day payday loans of up to $700 if you live in Texas. CashNetUSA has extended their 50% off loan fees through the end of July, just use promo code “NEWCASH50″.


Are you having trouble getting a loan from the direct payday lenders listed here? If you have multiple payday loans outstanding or if you have trouble verifying your income or bank information it may be tough to get a payday loan from any company. If you fall into this category you may want to check out They’re not a direct 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.


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


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


Check City:   Currently offering direct installment loans and 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.


Check back at least once a week for updates regarding these direct payday lenders. Texas is a good state to be in if you’re looking for a payday 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. With that being said, we expect more direct payday lenders to start lending again as we move into the middle of the year.
direct payday lenders in Texas

Find A Direct Payday Loan Lender in Texas

There are hundreds of companies in Texas that claim to be direct payday loan lenders. However, most of the 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. If you find yourself in need of a payday loan make sure you go with a direct lender. Luckily 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 payday loan. You just have to know who they are!

Our goal at is to list and detail all the direct payday loan lenders that currently offer payday loans to consumers living in Texas. The companies are actual direct lenders. They will process your information to see if you qualify for a loan from their company. Once you qualify for a direct payday 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 payday loan lenders listed on this site. The only thing that stands out about these companies is the fact that they are direct lenders.

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 lenders. In fact you may luck into getting a payday loan with one of their marketing partners. Ultimately though, it’s easier to apply with a direct payday 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 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: