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Payday Loans in Texas

Compare licensed lenders • Check TX regulations • Apply online

Last updated: June 2026

Max Loan
$1,800
Cities Covered
4
Legal Status
Legal
Population
30,029,572

Texas Payday Loan Regulations

Max Loan Amount:No limit
Max Term:180 days
Typical APR:664%
Cooling-Off:None
Rollover Allowed:Yes

Texas allows unlimited payday loan amounts with no APR cap. Regulated by OCCC. Typical APR 400-664%. Payday loans are designed for short-term needs only.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Texas

Texas is the second-largest state by population and has a diverse payday lending market. Payday loans are legal and widely available across all 254 counties.

Texas has a robust economy driven by energy, technology, healthcare, and manufacturing. Major metropolitan areas like Houston, Dallas, Austin, and San Antonio offer extensive financial services options.

Key Regulations:

  • No APR cap – among the highest rates in the US
  • Max loan amount: $1,800 for payday loans
  • Single-payment (payday) and installment loans available
  • Lenders must be licensed by OCCC
  • Military borrowers protected by federal 36% APR cap (MLA)

Regulatory Authority: Office of Consumer Credit Commissioner (OCCC)
Official Website: https://occc.texas.gov/

Representative Example APR in Texas

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Texas depend on lender pricing, term length, and state compliance limits.

Cities in Texas

Houston

Pop: 2,304,580

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San Antonio

Pop: 1,547,253

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Dallas

Pop: 1,343,573

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Austin

Pop: 978,908

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Browse all 4 city pages in Texas
Houston San Antonio Dallas Austin

Frequently Asked Questions – Texas

Are payday loans legal in Texas?
Yes, payday loans are legal in Texas. The state is regulated by the Office of Consumer Credit Commissioner (OCCC), which oversees all payday lenders. Texas allows up to 3 refinances (rollovers). Multiple lenders per borrower allowed. No cooling-off period required.
What is the maximum payday loan amount in TX?
The maximum payday loan amount in Texas is $1,800. Finance charges are capped at 20% of principal per month. Always verify with your lender before applying.
How long do I have to repay a payday loan in Texas?
In Texas, payday loans typically have a maximum term of 30 days (payday), 180 days (installment). Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in TX?
Yes. Texas allows multiple lenders per borrower. However, borrowing from multiple lenders simultaneously can lead to debt cycles – borrow responsibly.
How do I find licensed payday lenders in Texas?
All payday lenders in Texas must be licensed by the Office of Consumer Credit Commissioner (OCCC). You can verify a lender's license at https://occc.texas.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in TX?
Most Texas payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Texas?
In Texas, the maximum APR is No cap (typically 400-600%). Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in TX?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Texas may change. Always verify current regulations with the Office of Consumer Credit Commissioner (OCCC) before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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