Companies That Offer Payday Loans In Texas


The database below lists companies that provide online loans in Texas. **As of October 2019**

OppLoans: OppLoans provides online personal loans in Texas. Per their website, they have funded well over 100,000 loans and their rates are much lower when compared to traditional payday advances. Their installment loans are provided through a Texas Credit Access Business and borrowers can qualify for $500 to $2500 with their first application. Loans are paid back over a term that will be no longer than 6 months.

MyPaydayLoan: An established online lender who provides online 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 a good company 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 funding amounts under $500.** A new company that as their name says, provides access to bad credit payday loans. Not a direct lender, instead they connect consumers with lenders in their network. They provide cash advances of $500 to $1000 for new customers and also provide 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.

MaxLend:: MaxLend offers online loans of $200 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. Maxlend has no pre-payment penalty and offers loan lengths that max out at about 6 months.

Cash Store: Cash Store is a Texas based company that’s been providing loans since 1996. They have over 190 storefront locations in TX alone. Cash Store is known for having a simple online approval process. Loan amounts go to $3,000 and applicants can receive cash in hand in less than 20 minutes.

Money Key: In business since 2011, MoneyKey is one of the fastest growing online lenders in the small-dollar lending industry. MoneyKey has funded or arranged loans for over 180,000 customers. They have a convenient and fast application process and you can receive a loan of $1,000 in 1 business day. In addition, there is no pre-payment penalty for paying off your loan early.

Check Into Cash: You may be familiar with Check Into Cash. They manage many retail locations throughout Texas(mostly in San Antonio, Dallas & Houston) and have provided 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 the Community Financial Services Association.

My Credit Advance: My Credit has been around since 2008. Since then, they’ve helped thousands of Texas consumers in getting a short-term online loan. My Credit promises quick online application process for same-day loans of anywhere from $500 to $15,000.

Having trouble obtaining a loan from the payday lenders and online installment loan companies detailed on this site? It may be tough to get a payday loan from any company if you have very poor credit or many cash advance loans outstanding. If you fall into this category you may need to check out 24/7 CreditLoan. They don’t provide online loans in Texas, instead they deal with hundreds of financial companies that are willing to provide online funding! Check them out today and see if you qualify with anyone from their network of payday loan companies.

Blue Trust: This company is a large lender currently funding online loans in Texas. Blue Trust features a 3-step approval process and you can expect a real-time decision on a loan approval in less than 5 minutes. They claim Texas residents with income of at least $1,200 a month can see approval on a loan of up to $2,000. A typical loan term will last anywhere from a few weeks to 6 months. You will also need a checking account with direct deposit to qualify. CashAdvance connects consumers with lenders who offer online installment loans and payday loans to Texas residents. They provide online loans of $400+ for new customers and also offer longer term financing 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. They have a quick cash request process and promise next business day money for qualified consumers.

Cash Central Loans: Cash Central is a large financial institution 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 about your loan approval with rates and terms in less than 5 minutes. Cash Central funds payday loans of $2,000 and you can pay off your loan in anywhere from 7 to 35 days. Use Discount Code “FB920” for 20% off all loan fees when you apply for an online loan through 2019!

: Upstart offers a unique approach to the online lending environment in Texas. They provide flexible payment terms with the option to pay back your loan over months instead of weeks. Payment terms and finance charges like this compare well to other firms that fund online loans. Another unique option is that applicants can choose their payoff term! Upstart will require an active bank account with a credit score of at least 650 or higher. Upstart is funding online loans of anywhere from $3,000 to $12,500.

Springleaf: This company has been in the lending business for decades. According to their website, they have serviced over 2 million consumers. Springleaf has many storefront personal loan offices in Houston and Dallas TX. They fund installment loans for up to $15,000. Their lending offers may change in Houston and other Texas cities that have caps on loan amounts and finance charges. Be sure to check their website for other details. These types of installment loans will be repayable with monthly payments of anywhere from 12-36 months. Qualified applicants will need fair to good credit report rating to ensure approval for a personal loan.

Ace Cash Express: Ace has been funding online loans throughout the Midwest for years. They currently have many retail storefronts in Texas as well. They’re offering online payday and installment loans up to $1,000 for consumers who qualify. Ace requires that applicants have an active checking account with an income of at least $1,000 a month to qualify for a cash advance loan.

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

CashNetUSA: They are a longtime lender that’s been around for decades with over 1 million satisfied customers. CashNet is funding next day loans of $200 to $1800 with a payoff term per their loan agreement of 8-36 days. Loans can go up $2400 in Texas with a 4-6 month payoff. They’re generally seen as being easy to work with & you can expect to receive an immediate approval decision when you apply online. CashNetUSA has extended their 15% off loan fees promo through November.

Funds Direct USA: Funds Direct is an online company offering short term finance loans to Texas residents. They provide online short term loans in Texas 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 TX residents.

National Payday: National is an online payday lender that’s currently funding 24 hour payday and car title loans. National has same day bank wire when eligible for loans issued in San Antonio. They feature low-interest rates compared to other lenders and have been funding cash advance loans throughout Texas for nearly a decade. Local residents can apply for a loan of $400 and $1000 for returning customers. National may refer some applicants to a third party lender that functions as a credit services organization.

LendUp: Lendup is a new lender that currently operates as credit access business in Texas. They promise low finance charges and promise the opportunity to rebuild credit by making on-time monthly payments. LendUp funds long term installment loans of up to $4000(lower loan amounts in San Antonio and Houston). They also have a 15-minute fast cash deposit option. With this method you can get your money in as few as 15 minutes assuming your bank is setup for this.

PaydayLoanToday: Longtime lender that provides online payday advances of around $500. It seems they offer interest rates when compared to other companies that offer online cash advances. They offer a quick approval process and their loans are typically funded by a 3rd party credit services organization. Local residents are sometimes eligible for discount code savings or flexibility with their rates and terms. PDLToday lets you apply for a loan and set a due date that fits your specific needs. Check their website for more info on their credit check and loan application terms.


Check back at least once a week for updates about these 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 cities like Dallas, Houston or San Antonio. These large metro areas have many payday loan stores. But there’s always going to be a need for short term financial information. We’ve been seeing an increase in loan applications from smaller cities in the panhandle as well. So, don’t worry if there are no payday loan stores in your city. Many of the large national lenders choose to offer loans. They can usually loan more money with better terms compared to other loan services in other states. Even people with a terrible rating can qualify! We expect more companies will start lending again as we move towards the end of 2019. This includes online lenders and installment providers in Dallas, Houston & San Antonio. Keep in mind, short term loans are not a long term financial solution. Online advances have high interest rates, lengthy monthly payments and large maximum loan amounts. Fees and interest charges will only increase if you fail to payoff the amount borrowed when it first becomes due. Work with a company that’s licensed and follows the deferred deposit transaction law. Be sure to read through your contract terms and lending agreement conditions before you move forward with any lender. Make sure your loan agreement contains your exact loan details and terms.
list of TX payday loan and installment loan companies

Compare Your Short Term Lending Options

There are hundreds of companies that claim to provide installment loans and payday loans in Texas. These include licensed online lenders and even some unlicensed retail lenders in cities such as San Antonio and Houston. However, many of these companies are non-direct lenders. Most 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. In this case 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. 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 an actual lender. If you have bad credit now imagine how bad your credit will be if your identity is stolen! Are there no traditional options to get short term cash? Do you find yourself in need of a Texas loan or other financing service? Make sure you go with a company that actually offers online payday loans in Texas! This way you’ll be able to save time and apply at the source. You’ll have the piece of mind to know 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 Texas installment loans. Regardless of the fact that you may have bad credit or no credit at all. There are many licensed lenders who will provide financing in Dallas, San Antonio or Houston, but there are many online lenders as well. You have to know who they are! On that topic, we recently broke down the benefits of our directory. You can understand 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 direct lenders. We also touch on the time benefits of using a directory of lenders.

Our goal at is to document and detail all the major lenders that currently deliver Texas cash advance loans. These lenders can offer payday or installment loans to consumers all across the state, not 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 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 services listed on this site. The only thing that stands out about these companies is the fact that they are real Texas payday lenders. Most deliver online loans in Dallas, Houston and other large cities!.

Make sure you don’t waste your time with an unlicensed Texas lender. As time goes on we will also try to list all the payday and installment loan companies marketing themselves to Texas residents. There is nothing wrong with these companies. In fact, you may luck into getting an actual payday loan or installment loan with one of their marketing partners. It’s sometimes best to apply with a lender that actually funds online loans! There area also many companies that provide cash advances in metropolitan areas like Dallas and Houston. There are hundreds of lenders that can help consumers with Texas installment loans, but if they don’t have have a website we 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 organizations providing installment or payday loans Houston that we haven’t listed please let us know. Assuming they’re lenders we will attempt to add them to our database of installment and payday loans Texas.

Tips To Use When Applying For A Loan

As with most financial emergencies, you never know when you’ll need a loan. That doesn’t mean you should always jump at the chance to take out payday loans Houston. Like most cities in Texas, there are plenty of choices when it comes to getting financed and apply for installment loans Texas. Did you know there are hundreds of companies in Houston alone that provide payday loans? This is on top of the many tribal lenders that offer those same loans online! These many different choices mean you have options. You can be intimidated by the various lending options and differences in types of loans. You should first start by seeking out experts on short term loans. 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. Consider Houston based non-profits that will work on your behalf. Choose alternatives to online payday loans but also get 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 you 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 let’s get to the next steps.

First of all, applicants will want to focus on your past lending history opposed to worrying about a credit score or past credit history. Like other Texas payday lenders you need to review the underwriting. A Houston financing company will base your loan application chances on different standards. Use some qualification reasons to be approved or disapproved for a loan. online lenders in Houston today and in 2019 Scour your past lending history to find out if there are any past due advances or charged off debts from Houston payday loan lenders. The reason for this is that some car title loan companies will charge large fees. Others like Dallas payday lenders will share information on consumers with a bad payment history. So, you may apply for a Dallas payday loan only to find out that you fell behind and forgot to pay back 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 loan companies. 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. Shop around the various lenders in Houston, or Texas for that instance to find a real company that best suits your needs. Most types of cash advances have the same rates and terms, but there may be a discount if you truly shop around for the best financing terms. Find out how to learn more about payday loans Houston. Be sure to look up information online and check with your local bank or credit union. See if they have and direct lending options that may better serve your needs. Those types of loans are not classified as online loans. But, 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. Some can pay for things that are more important to your overall financial well being.

You can apply for many types of online payday loans with our site!

How To Spot Non-Direct Lenders in Texas

The websites listed below are not actual payday loan companies or credit service organizations(CSOs).  This means they don’t offer Texas payday loans installment financing. Usually, if a lender doesn’t actually 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 may run into issues getting a loan. 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 matching service.  It would probably be best served to go with the company who’s actually funding the loan.  Don’t waste your time filling out multiple applications. You don’t want 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, Houston and San Antonio. Some of these companies are now offering financing to residents all throughout Texas(not just in Houston or Dallas). But those financial istitutions are few and far between. Because of this, 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 advances Texas. Use our database of Texas financing companies: Lenders that fund online payday loans Texas. With this resource, you can take some time to compare and review interest rates. Look at the different terms from multiple companies who will take an online application.

List of sites that aren’t actual lenders:

We do what we can to update this list of non-direct lenders. Much like our database of Lenders that offer local financig. We welcome information from our web visitors. Please reach out to us if you know of a lender that funds installment or online payday loans Texas. On the flip side of that, let us know if you recently tried to apply with a firm for car title loans, 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 short term funding will tend to be who you want to work with. Another thing to watch out for is companies who say they’re actual lenders, when they’re really not. These companies will claim to provide installment or payday loans Texas but they’re only going to take your information and market it to other companies. With our updated blog page, we give you ways to find out whether a company is really providing Texas installment loans or not.