Online Payday Loans in Texas

Loans in Texas can go up to $200 with terms that can stretch out as far as 6 months.

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Online Loan Terms

Maximum Loan Amount
Minimum Loan Term
7 days
Maximum Loan Term
6 months
Maximum APR%
Max Simultaneous Loans
Minimum Age

Why get an Online Loan in Texas?

We get it. Sometimes, emergency expenses like having a baby come up and you need to get cash immediately. Even so, you don't have the income or credit to put it on your credit card.

Thankfully, getting an online loan in Texas is quick and easy. It doesn't matter if you live in Houston, San Antonio, Dallas, or Austin, you can you loan deposited the same business day or if applying after 11am, the next business day.

How Much do Online Payday Loans in Texas Cost?

The maximum annual percentage rate allowed by law in Texas is 521.42% APR.

Finance Charges

Often, the APR includes the interest rate plus fees. In Texas, lenders may charge a maximum of 10% of the loan amount plus one-time acquisition charge of 10% of the loan amount.

Representative Example

For example, Cris has an unexpected having a baby expense and needs cash immediately. They can borrow up to $200 for up to 6 months at 521.42% APR. The high APR can make this example loan extremely expensive; Cris will pay back a total of $721 including a total of $521 in interest and fees!

What You Need

Before you can get an online loan in Texas, this is what you will need:

  • You must be at least 18 years old
  • Valid Texas driver license or government issued ID
  • Checking or savings account
  • Most recent pay stub

Terms for Online Payday Loans in Texas

Maximum loan terms in Texas:

  • Maximum loan amont: $200
  • Maximum rate, including fees: 521.42%
  • Maximum loan length: $200

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