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 Brownsville, Texas
Texas payday loan rules that apply in Brownsville
- 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
Brownsville at a glance
| Metric | Brownsville | Texas | United States |
|---|---|---|---|
| Population | 210,916 | 29.6M | 332.3M |
| Median household income | $50,701 | $81,963 | $85,275 |
| Median rent | $919/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 31.1% | 31.6% | 31.6% |
| Homeownership | 61.4% | 63.8% | 65.4% |
| Poverty rate | 25.2% | 13.9% | 12.6% |
| Unemployment rate | 6.3% | 5.2% | 5.3% |
| Without health insurance | 28.9% | 17.3% | 8.6% |
| Veterans | 2.6% | 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 Brownsville
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 Brownsville
- 3.8%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Brownsville
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 3.8%
- Hours of work at the local median wage
- 6.2 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.
Brownsville in context
- Population rank in Texas
- 20th
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 97th
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 26.7%
- ▲ 11.7 pts vs TX
- Median home value
- $122,145
- ▼ 57% vs TX
- Home value to income
- 2.4×
- A $400 emergency expense
- 2.9 days
- of median household income
Payday loan stores in Brownsville, TX
Licensed storefront lenders in Brownsville 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 |
|---|---|---|---|
| 3670 Boca Chica Blvd Ste 1 Brownsville, TX 78521 | (956) 544-6400 | — | 5.0 |
| 924 E Levee St Ste A Brownsville, TX 78520 | (956) 541-1543 | — | 5.0 |
| 943 Frontage Rd Suite 15 Brownsville, TX 78520 | (956) 542-1734 | — | 5.0 |
| 2921 Boca Chica Blvd Ste D Brownsville, TX 78521 | (956) 541-7700 | — | 4.9 |
| 905 Paredes Line Rd Brownsville, TX 78521 | (956) 542-6700 | — | 5.0 |
| 101 Morrison Rd C Brownsville, TX 78526 | (956) 350-3391 | — | 4.9 |
| 2821 Boca Chica Blvd #101 Brownsville, TX 78521 | (956) 542-5284 | — | 4.8 |
| 265 Morrison Rd Brownsville, TX 78526 | (956) 546-2266 | — | 3.7 |
| 5850 Ruben M Torres Blvd Ste A7 Brownsville, TX 78526 | (956) 838-1209 | — | 4.8 |
| 3025 Boca Chica Blvd Ste G Brownsville, TX 78521 | (956) 548-0532 | — | 5.0 |
| 857 E Washington St Ste b Brownsville, TX 78520 | (956) 542-1888 | — | 5.0 |
| Western Finance 857 E Washington St # A Brownsville, TX 78520 | (956) 542-1877 | — | 4.9 |
| Shamrock Finance 943 North Expy Ste 21 Brownsville, TX 78520 | (956) 550-9240 | — | 5.0 |
| 1669 Central Blvd. Brownsville, TX 78520 | (956) 554-0408 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2426 Boca Chica Blvd Brownsville, TX 78521 | (956) 544-5900 | — | 5.0 |
| International Plaza, 3505 Boca Chica Blvd Suite 147 Brownsville, TX 78521 | (956) 982-6880 | — | 4.9 |
| 2355 Frontage Rd Ste 4 Brownsville, TX 78520 | (956) 404-0034 | — | 5.0 |
| 500 Morrison Rd Unit D Brownsville, TX 78526 | (956) 338-1852 | — | 4.9 |
| 2715 Boca Chica Blvd Unit 07 Brownsville, TX 78521 | (956) 622-5572 | — | 5.0 |
| 3300 Boca Chica Blvd Brownsville, TX 78521 | (956) 544-0735 | — | 5.0 |
Fast & secure payday loans in Brownsville, Texas
Unexpected expenses can happen anytime. If you need urgent cash in Brownsville, 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 Brownsville 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 Brownsville 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.
Brownsville payday loan FAQ
How much cash can I borrow in Brownsville?
Loan amounts in Brownsville 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 Brownsville 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 Brownsville 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 Brownsville?
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 Brownsville residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Brownsville or the surrounding Texas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).