Texas Loans – Online Payday Loans in Texas

The Best Loans in Texas 2022: Compare Loan Rates

Written by: Joe Chappius

Last updated: December 26, 2023

Financer.com helps you compare online loan rates in Texas. Compare different loan options in Texas and read more about the payday loan laws in the state.

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Compare Loans in Texas April 2024

Borrow $1,000 for a period of 6 Months.

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Amount: $1,000 | Period: 6 Months

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recommended

Chosen 6,024 times

4.9

Read 11 reviews

recommended

Chosen 6,024 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 11 reviews

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High approval rate

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Customer Type

All

Borrow up to

$50,000

Estimated Payback

22/10/2024

Weekend Payout

Age

11 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 92,654 times

3.7

Read 36 reviews

Chosen 92,654 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

3.7

Read 36 reviews

Open right now

Most chosen

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

22/10/2024

Weekend Payout

Age

36 Reviews

3.7

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 33,189 times

4.9

Read 17 reviews

recommended

Chosen 33,189 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 17 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

22/10/2024

Weekend Payout

Age

17 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 27,231 times

4.0

Read 25 reviews

Chosen 27,231 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.0

Read 25 reviews

Open right now

Lowest cost

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

22/10/2024

Weekend Payout

Age

25 Reviews

4.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 6,703 times

5.0

Read 4 reviews

recommended

Chosen 6,703 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

5.0

Read 4 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

22/10/2024

Weekend Payout

Age

4 Reviews

5.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

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How to Compare Loans in Texas

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Best Rated Personal Loans

Find the best rated lenders for loans in Texas

5.0

Based on 4 reviews

5.0

Based on 4 reviews

5.0

Based on 14 reviews

4.9

Based on 7 reviews

4.9

Based on 12 reviews

4.9

Based on 17 reviews

4.9

Based on 8 reviews

4.8

Based on 5 reviews

4.8

Based on 4 reviews

4.7

Based on 3 reviews

Online Loans in Texas

We've seen a decline in the number of unsecured loans that banks provide in the past few years. While it may be challenging to get a personal loan from a bank, you could still get financing by taking a payday loan.

The way payday loans are governed varies from state to state, and the laws in Texas are quite different from the laws set in the other states.

Compare online loans in Texas with our loan comparison tool above, or read more about online payday loan laws in Texas below.

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Interests Loan amount Loan term

The Advantages of Online Texas Loans

Online Personal Loans Are Convenient

Get Funds As Soon As The Same Day

Apply Anywhere, Anytime

Less Paperwork Required

Texas Payday Loan Regulations

Legal Status	Legal
Interest Rate (APR)	Can exceed 400%
Max. Loan Amount	Not specified
Min. Loan Term	7 days
Max. Loan Term	180 days
Number of Rollovers	No restriction
Cooling-off Period	None
Installment	Yes
Finance Charges	$10 + $4/mo for each $100

Updated March 21 2022

All consumers need to be fully educated on the risks that come with quick cash advances before taking out a Texas payday loan. The lender has an obligation to explain to you the total cost, the interest rate, and the possibility of the interest accumulating over time.

However, Texas has very relaxed loan regulations and this allows the industry to flourish. There is no limit to how much you can borrow and no limit on financing fees (APRs can go into triple-digits).

Consumers taking fast payday loans in Texas must repay them in full on the next pay date. Otherwise, these Texas loans might be subjected to fines and penalties, incurring further interest charges.

In Texas, a lender cannot charge you in a criminal court if you default on the loan payment.

However, a lender has the right to charge you in a civil court which means that judgment could be pursued against you, perhaps forcing you into bankruptcy.

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Get the Loan You Need

An online personal loan can help when you need cash for large purchases or unplanned expenses.

Holiday

Wedding

Home Renovations

Bills

Shopping

Education

Payday Loan Requirements

When you apply for Texas payday loans online, approval can be granted in as little as one hour, with some companies offering instant approval on smaller loans.

When applying for a Texas cash advance, you'll need the following:

An active checking account. This is usually for the purpose of wiring money directly to your account once approved.
Proof of income. This includes current information about your employer, plus any disability benefits.
A working phone number. This can be either a home or mobile phone.
Be at least 18 years old and a U.S. citizen or a permanent resident.
You cannot be an active member of the military.

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Compare Texas Loans at Financer.com

Financer.com helps you compare the best personal loans in Texas and get the best loan rates from leading lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan in Texas and take the guesswork out of doing all the legwork yourself.

Texas Loans FAQs

How much can I borrow?

In Texas, there are no loan limits, and the amount you can be approved for depends on your credit score, your loan payment history, and your debt-to-income ratio, among others. By comparing lenders you can choose the best loan rates and terms.

How long is a loan term in Texas?

There are two types of Texas payday loans: single and multiple installment loans. Single installment loans are due within two weeks to one month, whereas multiple installment loans are due within six months (180 days).

What are the requirements for a lender to operate in the State of Texas?

To operate as a lender in Texas, both as a storefront or online loan provider, lenders have to be licensed and must disclose all loan information (fees, interest, terms, repayment periods) before a loan agreement is signed. Furthermore, 45 cities in Texas have passed an additional ordinance with stricter requirements for payday lenders:

Payday loan lenders must have a license in the city
Lenders must keep a record of all transactions
Loan amounts can't exceed 20% of a borrower's gross monthly income
No more than three rollovers and four installments are allowed
Repayment of at least 25% of the original loan amount
Breaking of the rules leads to a $500 fine

Cities that passed ordinance: Amarillo, Arlington, Austin, Baytown, Beaumont, Brownsville, Bryan, College Station, Corpus Christi, Dallas, Duncanville, Edinburg, El Paso, Fort Hood, Fort Worth, Garland, Greenville, Harlingen, Houston, Irving, Killeen, Laredo, Little Elm, Lubbock, McAllen, Mesquite, Mission, New Braunfels, Plano, Port Arthur, Richardson, Round Rock, Sachse, San Antonio, San Marcos, Sugar Land, Temple, Waco, Weatherford, and others.