The database below lists companies that provide online loans in Texas. **As of January 2020**

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 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 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 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 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 February.

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 funded payday 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 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 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 can handle 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 or contact customer service 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. 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 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 companies will start lending again as we move towards the beginning of 2020. This includes online lenders and installment 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 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