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US Cash Advance is a direct payday lender serving Texas residents, including Houston, Dallas, and San Antonio. Apply online in minutes for a payday loan, with a decision the same business day.
Texas payday loans at a glance: Payday loans are legal in Texas and regulated by the Texas Finance Code under Tex. Fin. Code § 393.601-393.628. Lenders must disclose the full APR and due date before you sign.
Rules current as of August 2026.
Governing law: Tex. Fin. Code § 393.601-393.628
Texas does not regulate payday lending as direct lending. The loan is arranged through a credit access business under Subchapter G of Tex. Fin. Code ch. 393, which applies to a credit services organization that obtains for a consumer, or assists a consumer in obtaining, a deferred presentment transaction (§ 393.602(a)). Texas sets no ceiling on what that business may charge: “A credit access business may assess fees for its services as agreed to between the parties”, calculated daily, biweekly, monthly or on another periodic basis (§ 393.602(b)). The absence of a cap is explicit rather than inferred - § 393.622(c) provides that nothing in §§ 393.601-393.628 “grants authority to the finance commission or the Office of Consumer Credit Commissioner to establish a limit on the fees charged by a credit access business.” The protections that apply are procedural: a fee may not be charged unless it is disclosed, the business must hold a licence, and no device, subterfuge or pretense may be used to evade the subchapter.
Texas does not cap what a payday lender can charge. A payday loan in Texas is arranged by a credit access business, which “may assess fees for its services as agreed to between the parties” (Tex. Fin. Code § 393.602), and the Legislature expressly withheld from the Finance Commission and the Office of Consumer Credit Commissioner any authority to limit those fees (§ 393.622). Because the price is whatever your contract says, no representative cost example can honestly be shown. What Texas does require is procedural: every fee must be disclosed before it can be charged, the business must be licensed, and no device, subterfuge or pretense may be used to evade these rules. The annual percentage rate on your Truth-in-Lending disclosure is the figure to compare between lenders - ask for it in writing, with the total dollar cost, before you sign. Source: Tex. Fin. Code §§ 393.601-393.628 (§ 393.602 effective 1 January 2012), text current through the 2023 regular session, as published by the Texas Legislative Council. Last checked 6 August 2026.
Texas residents should be aware that payday loans may involve high fees due to the lack of an APR cap. Municipal ordinances in cities like Dallas, Austin, and San Antonio may impose additional restrictions.
Consumers are protected by municipal ordinances in cities such as Dallas, Austin, and San Antonio, which limit loan amounts and rollovers. Lenders must be licensed, and consumers can verify licenses through the Texas Finance Code.
Complaint Agency: Office of Consumer Credit Commissioner
Verify Lender License: https://statutes.capitol.texas.gov/Docs/FI/htm/FI.393.htm
| Federal Protection | What It Means | Who It Covers |
|---|---|---|
| CFPB Payday Rule | The CFPB issued a regulation adopting a two-strikes-and-you’re-out rule for covered lenders. Under that rule, after two tries to withdraw money from a borrower’s account have failed, covered lenders can’t try again unless the borrower specifically authorizes another attempt. | All states |
| Military Lending Act (MLA) | 36% MAPR cap. The Military Lending Act (MLA) limits the amount a creditor may charge, including interest, fees, and charges imposed for credit insurance, debt cancellation and suspension, and other credit-related ancillary products sold in connection with the transaction. The total charge, as expressed through an annualized rate referred to as the Military Annual Percentage Rate (MAPR), may not exceed 36 percent. | Active-duty service members |
| Electronic Fund Transfer Act (EFTA) | A lender cannot require you to repay by automatic bank (ACH) debit as a condition of getting the loan. You may choose another way to pay. | All states |
CFPB rule source: https://www.consumerfinance.gov/payday-rule/
Yes. Payday lending is legal in Texas, regulated under Tex. Fin. Code § 393.601-393.628. Licensed lenders must follow the state's limits on loan amounts, terms, and fees, and disclose the full APR and due date before you sign. Confirm a lender is state-licensed before you borrow.
In Texas, the maximum payday loan APR is See state law under Tex. Fin. Code § 393.601-393.628. This is the annual percentage rate a licensed lender may charge; your actual cost depends on the loan amount and term. The lender must disclose the exact APR and fees in your agreement before you sign.
In Texas, payday loans are arranged through the Credit Access Business (CAB) model. The storefront or website you apply with acts as a credit services organization that arranges the loan with a third-party lender and charges a separate CAB fee for doing so. This is why Texas sets no APR cap, and it means your real cost is driven by that fee, so compare the total dollar amount you will repay before you accept an offer.
Yes. Several Texas cities enforce their own payday loan ordinances on top of state law, including Dallas, Austin and San Antonio. One example: Dallas ordinance limits payday loan amounts to 20% of the borrower's gross monthly income and restricts rollovers. If you borrow in one of these cities, the local ordinance applies in addition to Texas state rules, so confirm the city's limits before you sign.
Explore the full US Cash Advance suite of short-term lending options: Payday Loans, Cash Advance, Bad Credit Loans, Same Day Loans, Debt Consolidation, or find a location near you in our Texas Locations Directory.