Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Baytown, Texas
Texas payday loan rules that apply in Baytown
- Max loan amount
- No limit (CSO Model)
- Min loan term
- 7 days
- Max loan term
- 180 days
- Finance charge cap
- No state cap (fees set by city ordinances)
- Max absolute fee
- Varies
- Typical APR
- ~662%+
- Rollovers (extensions)
- Permitted (varies)
- Simultaneous loans
- No state limit
- Right to rescind
- N/A
- Governing law
- Texas Credit Services Organization Act
- Regulator
- TX OCCC
Baytown at a glance
| Metric | Baytown | Texas | United States |
|---|---|---|---|
| Population | 130,055 | 29.6M | 332.3M |
| Median household income | $79,827 | $81,963 | $85,275 |
| Median rent | $1,314/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 28.5% | 31.6% | 31.6% |
| Homeownership | 62.5% | 63.8% | 65.4% |
| Poverty rate | 15.2% | 13.9% | 12.6% |
| Unemployment rate | 8.0% | 5.2% | 5.3% |
| Without health insurance | 22.3% | 17.3% | 8.6% |
| Veterans | 6.7% | 6.4% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Baytown
Move the sliders to see what a payday loan would cost under Texas rules and how it compares with local incomes.
Example range up to $1,000
Texas sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in Baytown
- 2.4%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Baytown
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.4%
- Hours of work at the local median wage
- 3.8 hours
Texas sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Baytown in context
- Population rank in Texas
- 44th
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 53rd
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 16.3%
- ▲ 1.4 pts vs TX
- Median home value
- $222,133
- ▼ 22% vs TX
- Home value to income
- 2.8×
- A $400 emergency expense
- 1.8 days
- of median household income
Payday loan stores in Baytown, TX
Licensed storefront lenders in Baytown with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the TX OCCC before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1925 Garth Rd Baytown, TX 77520 | (281) 691-6672 | — | 5.0 |
| 4612 W Cedar Bayou Lynchburg Rd Baytown, TX 77521 | (832) 926-7137 | — | 5.0 |
| 5225 Garth Rd Baytown, TX 77521 | (281) 421-4186 | — | 5.0 |
| 3010 Garth Rd Baytown, TX 77521 | (281) 427-1484 | — | 4.9 |
| 4611 Garth Rd #300 Baytown, TX 77521 | (832) 556-0836 | — | 4.9 |
| 4539 Garth Rd, Ste. 208 Baytown, TX 77521 | (281) 420-9019 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1248 Garth Rd Baytown, TX 77520 | (832) 556-1011 | — | 4.9 |
| 5623 Garth Rd #160 Baytown, TX 77521 | (936) 367-9933 | — | 4.3 |
| 6612 Garth Rd Baytown, TX 77521 | (281) 691-6107 | — | 4.9 |
| 4810 I-10 B Baytown, TX 77521 | (281) 421-4700 | — | 3.9 |
| 2703 N Alexander Dr Baytown, TX 77520 | (281) 427-0097 | — | 4.9 |
| Western Finance 3402 N Main St Baytown, TX 77521 | (281) 422-8719 | — | 4.7 |
Fast & secure payday loans in Baytown, Texas
Unexpected expenses can happen anytime. If you need urgent cash in Baytown, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Baytown residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Loans within Texas limits Loan terms must comply with the Texas Credit Services Organization Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Baytown residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Texas law (Texas Credit Services Organization Act). Always review the contract terms carefully before signing.
Baytown payday loan FAQ
How much cash can I borrow in Baytown?
Loan amounts in Baytown are typically from $100 up to the Texas limit (No limit (CSO Model)), in line with Texas lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Baytown to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Baytown with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Baytown?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Baytown residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Baytown or the surrounding Texas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).