The list below shows companies that offer direct payday loans in Texas. **As of October 15th, 2021**

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 offered 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: MyPaydayLoan is an established company that provides direct loans. They promise a quick online application process and can usually get you money 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 a payday loan company in their network. They offer cash advances of $500 to $1000 for new customers and offer 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 installment loans of $100 to $3,000 for Texas consumers. MaxLend is a great option if you’re looking for a payday lender with no collateral required. Maxlend has no pre-payment penalty and offers loan lengths that max out at about 6 months.


Cash Store: Cash Store is a direct lender that’s been providing online payday loans in Texas 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 money in hand in less than 20 minutes.


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


Check Into Cash: You are probably familiar with Check Into Cash. They manage many retail locations in San Antonio, Dallas & Houston and have provided direct payday loans & installment loans for over a decade. They can quickly fund online payday loans in Texas 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 is a Texas payday loan company that’s been around since 2008. Since then, they’ve helped thousands of Texas consumers in getting a short-term online loan. My Credit promises a 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’s 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 offer direct payday loans in Texas, instead, they deal with hundreds of financial companies that are willing to offer online funding! Check them out today and see if you qualify with anyone from their network of online payday loan companies.


Blue Trust Loans: This company is a large lender currently funding alternatives to online payday 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. Texas residents can see a quick approval on a loan of up to $3,000. A typical loan term will last anywhere from a few weeks to 6 months. You will also need a checking account with direct deposit from a checking account to qualify. CashAdvance connects consumers with lenders who offer installment loans and online payday loans to Texas residents. They provide online loans of $400+ for new customers and offer long term financing for returning customers. They’re great to work with if you have poor credit as you can usually borrow a low dollar amount 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 loans to Texas residents. They have an easy 3-step approval process and you can expect a real-time decision about your payday loan approval with rates and terms in less than 5 minutes. Cash Central funds Texas payday loans of $2,000 and you can pay off your loan anywhere from 7 to 35 days. Use Discount Code “FB920” for 20% off all loan fees when you apply for an online payday loan through 2021!


Upstart: Upstart offers a unique approach to the online lending environment. 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.


One Main Financial:: This company has been in the lending business for decades and used to be called Springleaf. According to their website, they have serviced over 2 million payday loan consumers. One Main 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 cities that have caps on loan amounts and finance charges. Be sure to check their site information for questions about your money needs. These installment loans are repayable with monthly payments of anywhere from 12-36 months. Qualified applicants will need a fair to good credit report rating to ensure approval for a personal loan.


Ace: Ace has been funding online payday loans throughout the Midwest for years. They have many retail storefronts in Texas as well. They also provide an installment loan of 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 payday advance loan.


Check ‘n Go: Check ‘n Go is without a doubt one of the oldest online lenders when it comes to Texas payday loans. 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 an instant payday loan. Check ‘n Go provides online advances of $300 to $1500 for Texas residents. The longest loan term is 40 days and you can only have one loan out at a time.


Cashnet USA: They are a longtime company in our list of online payday lenders 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 payday loan agreement of 8-36 days. Payday loans can go up to $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 August.


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


Lendup: Lendup is licensed by the Office Of Consumer Credit Commissioner as a credit access business in Texas. They promise low finance charges with the opportunity to rebuild credit by making on-time monthly payments. LendUp funds installment loans of up to $4000 in Texas(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 can handle this.


Power Finance Texas: A direct lender that provides Texas payday loans of around $500 and personal loans that go to $1,200. It seems they lower offer interest rates when compared to other companies that offer online cash advances. They offer a quick approval process and a payday advance is 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. Power lets you apply for a loan and set a due date that fits your specific needs. Check their website or contact customer service for more info on their credit check and loan application terms.


Directory of Online Payday Loan Companies in Texas


Check back at least once a week for updates about these companies that provide payday loans in the State of Texas. Many of our online visitors arrive from large cities like Dallas, Houston, or San Antonio. These large metro areas have many storefronts that offer loans. But there will always 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 payday loan companies will lend again as we move towards 2022. This includes installment loan companies and direct payday lending providers in Dallas, Houston & San Antonio.

Keep in mind, short term loans are not always a responsible 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 pay off 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 online payday loan lender. Make sure your loan agreement has your exact loan details and terms.


Use our list of lenders to find the best online payday loan companies in Texas!