instant payday loans online in Texas
instant payday loans online in Texas

Online Payday Loans in Texas

  • Texas-Licensed Direct Lenders
  • Short-Term Loans
  • Almost Instant Approval
  • Guaranteed Approval for Qualified Candidates
  • Quick Cash Available
  • No Credit / Bad Credit OK
  • Fast Cash Loan Near Me

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Texas Payday Loans

Applying for an online payday loan can be the right solution for your short-term financial needs. With 1F Cash Advance, you get fast loan decisions from direct lenders licensed in Texas. Our team ensures the confidentiality of your data while you apply for the payday loan you need. On top of that, we welcome applicants with no credit or bad credit. Customers with alternative income sources may also submit a request. Texas residents are free to apply at any convenient time, 24/7. 

Table of Contents

Texas Online Payday Loans

Overview. Payday loans are loans that you take for a short term. In other words, you borrow a sum of money, then repay the debt in full when due. The repayment is usually from your next paycheck. Above all, remember that a short-term loan is not meant to meet long-term financial goals.

Amounts.You can apply for a payday loan up to $1,000 and more in the state of Texas. Although state rules don’t specify a maximum amount, the sum borrowed plus fees must not exceed 20% of the customer’s monthly income. Lenders usually offer up to $1,500 in payday loans. The amounts most popular with borrowers are $100, $300, $500, $800, and $1,000.

Terms.Texas state regulations allow for payday loan terms of up to 180 days or six months. The typical terms for amounts up to $1,000 are between two weeks and one month.

Cost.The finance charge for a payday loan is calculated depending on the payday loan amount and term. As a rule, the finance charge fits within the range of a maximum of $30 for each $100 that you borrow.

Example.Say that you borrow $250 at a loan agreement rate of $0.96. Your fee is $28 for each $100 borrowed, and your payday loan is for 14 days. Therefore, your fees will be $70, and you will have to repay a total of $320.96.

Texas Online Installment Loans

Overview. An installment loan money obtained in a lump sum, then repay over several months, with finance charges. Compared to payday loans, online installment loans are one of the best long term financial solutions.

Amounts. Texas residents can apply for an installment loan of up to $5,000. Certain loan services will have lower limits. The state doesn’t cap the maximum amount you can lend. However, the sum for repayment (principal amount plus fees) should not exceed 20% of your gross earnings per month. Popular amounts for installment loans include $1,300, $1,500, $1,900 and $2,000.

Terms. Installment loans have to be repaid within six months. Depending on your income type, you can pay bi-weekly or monthly.

Cost. The loan provider calculates the charge for a payday loan depending on the amount range, the exact loan duration, and your income details.

Example. Say you get a $400 installment loan approved for five months at an interest rate of 9.98%. Your fees would be $328.49. Each month, you would have to pay around $150. If you keep to the repayment schedule, your final payments will add up to $746.44.

Interest Rates for Texas Online Payday Loans

Nationwide, the rates on Payday Loans range between $10 and $30 for each $100 that you borrow. However, a few more specific rules apply in Texas based on a customer’s principal, term, and financial circumstances. For example, if your payday loan is over $100, the finance charge would be $10 tops plus $4 a month for each $100 borrowed. If the offer is over $35 but less than $70, the fee for processing the loan can’t be more than $3.50 a month. 

In terms of APR (annual percentage rate), payday loans can reach an average of 400%, according to official statistics. According to Texas regulations, you can pay back your loan before term. In this case, the no third party lender will reimburse you the fees that “were not earned.” 

Alternatives for Texas Payday Loans

If you don’t want to borrow payday loans in Texas, you may choose auto title loans. With this loan product, you may borrow whatever amount you want but with one condition: your vehicle must be the collateral of your loan. The biggest advantage of these auto title loans is that you are allowed to drive your car. If you don’t manage to pay the full amount of your auto title loans, the lender might seize your vehicle. That is why we suggest you be a responsible borrower and make payments on time.

Terms and Rates for Texas Payday Loans

Texas payday loans allow borrowers to take a cash advance for a minimum of 7 days and a maximum of 180 days. Since there is no fixed financing, the APR can reach and exceed 400%. As a borrower, you have the right to check whether your lender has a license to offer loans in your city.

For the cities that have passed the Lending City Ordinance, the total amount of your loan must not exceed 20% of your gross monthly income. You may have three rollovers maximum, as long as you pay a minimum of 25% of the principal. Take note that, in case you break the rules, there is a $500 fine you risk paying.

When you receive your funds from the lender, you will be requested authorization to withdraw the debt on the due date automatically. Thus, it is convenient for lenders to get their payments on time and borrowers to ensure timely repayment of their debt.


Loan principal Fee Amount to repay Term APR
$300 $15 $345 14 days 391.07%
$350 $15 $403 14 days 391.07%
$400 $15 $460 14 days 391.07%
$550 $15 $633 14 days 391.07%
$800 $15 $920 14 days 391.07%

Why Consider a Payday Loan?

Anybody can run into financial issues when you need emergency cash as soon as possible. Even the best-organized planners may need a quick short-term loan at some point. As a result, you start your quest for instant approval or no credit check payday loans near me. And it’s not easy to find a store that’s open now to assist you with your short-term cash needs. If that sounds familiar or plausible, guaranteed payday loans may be what you need. Generally, borrowers typically consider payday cash advances in situations similar to the following: 

  • Medical expenses. Medical emergencies call for immediate action. You may require medication, hospitalization, or a medical procedure. With a payday loan, you may get your cash advance the next business day or even the same day.
  • Repair works. Your house and your car need the occasional maintenance investment. Leaky pipes, faulty wiring, a broken fridge at home need fixing. If you have to repair your vehicle to go to work, it only adds to the urgency.
  • Daily expenses. Expenses are not always predictable, be it groceries or utility charges. Therefore, your electricity or medical bills may sometimes exceed your planned costs, and you may find yourself saying, “I need money now!
  •  Family events. Life is more than worrying about your paycheck. Being close to family on holidays and events is essential to your emotional wellbeing. Small-dollar loans are fast financing options that will help you make your loved ones happy.

How to Qualify for an Online Loan in Texas

To be eligible for a payday loan in the state of Texas, you need to meet the required criteria: 

  • Be 18 or older and provide a valid ID to prove it;
  • Have *steady source of income. It’s advisable to have had a job for at least three months before applying for a loan. Moreover, some direct payday lenders also require you a minimum monthly wage of at least $1,000;
  • Hold an active banking account;
  • Provide accurate contact details (home address, phone number, email address);
  • Hold US citizenship or have a permanent residence status.

*Having a steady job when applying for payday loans from direct lenders gives you more chances for approval. However, unemployed people with a source of recurring earnings may also qualify. For instance, disabled people on social benefits can try applying for a loan. Single parents with no job but receiving alimony may also have a chance.

No Credit Check Payday Loans in Texas

Most payday loans online applicants receive an almost instant decision. The reason is that most direct lenders operate on a no-teletrack basis. That means online direct lenders in Texas don’t typically pull a full credit check on you. That way, regardless of your credit history, you can still receive a loan offer. As a result, applicants with poor credit or no credit can confidently apply for a loan. In addition, there is little to no credit check on payday loans, which raises the rate of successful applications up to 80%. 

How to Find Payday Loans Near Me in Texas

There are two main ways to find payday loans near you in Texas: at a local store or online. If you have a nearby store that provides payday cash advances, you can quickly get a loan there. In this case, lenders may require you to bring paper copies of your documents. The main advantage of getting a payday loan from a storefront is that once you get in front of the clerk, you receive answers to all your questions, as well as personalized advice within minutes. The downside is that you would need to plan your visit around their schedule, as well as avoid long lines. The average borrower prefers applying online due to the simplicity of the process. Either way, if you need to borrow money fast, direct lenders are among the quickest options.

Texas Online Loans Quick Application Process

Anyone can easily apply for small payday loans online with 1F Cash Advance. Just follow the three simple steps:

  1. Submit your loan request. Fill in the information. There is no faxing involved. You don’t need to look for stores open over the weekend. Apply online at any convenient time for you. Your details are safe with us. We protect your data throughout the application process. 
  2. Get approval. Once your information is submitted, we share it with trusted direct lenders licensed and examined to operate in the state of Texas. In case of a positive response, the lender will send you an offer via email—no hassle, no marketing phone calls while applying or afterward. As a potential customer, you can ask additional questions about the payment, ask for examples.
  3. Receive your funds within one business day. Direct lenders understand that most of their clients need the money fast, sometimes in one hour. For that reason, they do their best to speed up application processing. On average, they deposit the funds the next business day. 

That seems easy. The entire process is just as straightforward. Fill out your loan application now if you’re struggling with a financial emergency. Keep in mind that an emergency cash advance can be used to meet short-term financial needs. However, it is no match for customers looking to meet long-term financial goals.

In-Store Payday Loans in Texas

Do you prefer getting a loan offline? You’re in luck. Our branch manager will assist you with your loan application at our in-store location. You will get all the help you need from a real person in real-time. For your convenience, we have enabled the possibility to make a payday loan request via email or by phone. Your financial emergency is our priority.

8008 S Gessner Dr, Houston, TX 77036
[email protected]

7553 Westheimer Rd, Houston, TX 77063
[email protected]

5454 North Fwy, Houston, TX 77076
[email protected]

1519 Little York Rd, Houston, TX 77093
[email protected]

253 W Greens Rd, Houston, TX 77067
[email protected]

3329 Winthrop Ave, Fort Worth, TX 76132
[email protected]

1804 Cavitt Ave, Bryan, TX 77801
[email protected]

3120 S 31st St, Temple, TX 76502
[email protected]

2182 N Main St, Belton, TX 76513
[email protected]

420 W Rancier Ave, Killeen, TX 76541
[email protected]

440 Town Square, Copperas Cove, TX 76522
[email protected]

200 Webster Ave, Waco, TX 76706
[email protected]

2468 E Austin St, Giddings, TX 78942
[email protected]

2218 N Collins St, Arlington, TX 76011
[email protected]

201 S Americas Ave #208, El Paso, TX 79907
[email protected]

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Cash Advance Products and Services

Payday Cash Advances

A cash advance is essentially a short-term financial solution for financial emergencies. Apply today to get your fast cash and pay your loan back from your next paycheck. Borrow as much as you need: $150, $200, $500, $650, $800, up to $1,000. Your direct lender will deposit the funds within 24 hours. Your first step for borrowing today is filling out the application form on our website or talk to a branch manager at one of our in-store locations.

Payday Installment Loans

An installment loan from direct lenders is another financial solution we have for you. Borrowing up to $5,000 is simple. You will need a few minutes to fill out the loan application and wait for a few more minutes to get a loan decision. The lending process is safe and our branch manager will make sure you get the most out of your experience.

Check Cashing

For customers who need quick cash, the majority of our in-store locations offer a fast, quality service. Get your money in a matter of minutes at one of our locations.

Find a Payday Loans Store Near Me

We can help you get the loan you need as fast as possible. Not in Texas? No problem. Check our other store locations in California, Florida, Illinois, Missouri, New-Jersey, Ohio, Tennessee, Wisconsin, Wyoming.


Is 1F Cash Advance a licensed credit access business?

1F Cash Advance Financial Help, LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Borrowers can request licensing information anytime.

How do I apply for a cash advance in Texas?

You can either submit an online loan request via our website or visit one of our in-store locations. Borrowers find applying online more convenient.

How fast will I receive my funds if I get approved?

A direct lender will usually make a direct deposit into your bank account within one business day from signing the loan agreement. Online same-day deposits also happen occasionally, but they are not a guarantee.

How can I find direct lenders near me in Bexar, Texas?

The easiest way is to apply online. Complete the application to proceed. Other locations popular with borrowers include Hidalgo, Cameron, Webb, El Paso, Potter, McLennan, Brazos, Jefferson, Tom Green, Nueces, Taylor, Bell, Lubbock, Wichita, Ector, Gregg.

Can I get a same-day loan?

It is possible to get a same-day loan, but it doesn't happen all the time. To increase your chances, try applying early in the morning on workdays.

What is the best online payday loan I can get in Texas?

Submit your request through 1F Cash Advance for an easy process and almost instant approval.

What if I have difficulties paying the debt on time?

Texas state laws allow for rollovers. However, payment of additional charges may be required. For any questions related to repaying your debt, please contact your lender.

Can I apply for a Texas payday loan if I don't live in Texas?

Getting online payday loans in Texas is easy. However, the license of a payday lender is bound to the state that allows them to do business. Therefore, you will need to apply in your state of residence.

What if I don't get approved for an online payday loan in Texas?

That may happen. Despite potential advertising, no denial payday loans are a myth. Legitimate lenders will not take the risk if they don't think you can repay your loan. You can consider alternative options, such as secured loans, an auto title loan, or check the latest apps for loans.