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 Dallas, Texas
Texas payday loan rules that apply in Dallas
- 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
Dallas at a glance
| Metric | Dallas | Texas | United States |
|---|---|---|---|
| Population | 1.4M | 29.6M | 332.3M |
| Median household income | $73,456 | $81,963 | $85,275 |
| Median rent | $1,413/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 32.8% | 31.6% | 31.6% |
| Homeownership | 46.2% | 63.8% | 65.4% |
| Poverty rate | 16.7% | 13.9% | 12.6% |
| Unemployment rate | 5.0% | 5.2% | 5.3% |
| Without health insurance | 22.4% | 17.3% | 8.6% |
| Veterans | 3.8% | 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 Dallas
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 Dallas
- 2.7%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Dallas
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.7%
- Hours of work at the local median wage
- 3.6 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.
Dallas in context
- Population rank in Texas
- 3rd
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 62nd
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 17.4%
- ▲ 2.4 pts vs TX
- Median home value
- $392,476
- ▲ 38% vs TX
- Home value to income
- 5.3×
- A $400 emergency expense
- 2.0 days
- of median household income
Payday loan stores in Dallas, TX
Licensed storefront lenders in Dallas 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 |
|---|---|---|---|
| 10544 Walnut St #103 Dallas, TX 75243 | (214) 628-7635 | — | 3.4 |
| 10924 Garland Rd Dallas, TX 75218 | (214) 321-0273 | — | 5.0 |
| 1315 S Buckner Blvd Dallas, TX 75217 | (972) 728-9351 | — | 5.0 |
| 14039 Coit Rd Dallas, TX 75240 | (972) 773-8722 | — | 5.0 |
| 19021 Midway Rd Ste 400 Dallas, TX 75287 | (972) 862-2150 | — | 5.0 |
| 2506 S Buckner Blvd Ste 103 Dallas, TX 75227 | (214) 275-3969 | — | 5.0 |
| 2515 S Westmoreland Rd Dallas, TX 75211 | (972) 773-8219 | — | 5.0 |
| 3020 W Northwest Hwy Dallas, TX 75220 | (214) 351-0063 | — | 5.0 |
| 4109 W Camp Wisdom Rd Dallas, TX 75237 | (972) 709-7885 | — | 5.0 |
| 4129 W Jefferson Blvd Dallas, TX 75211 | (972) 707-5034 | — | 5.0 |
| 4848 Lemmon Ave Suite 104 Dallas, TX 75219 | (214) 414-0494 | — | 5.0 |
| 5026 Ross Ave Dallas, TX 75206 | (972) 581-1536 | — | 5.0 |
| 610 E Jefferson Blvd Ste 130 Dallas, TX 75203 | (972) 728-0494 | — | 4.9 |
| 6521 E NW Hwy Dallas, TX 75231 | (972) 773-8728 | — | 4.9 |
| 9147 Skillman St Ste 400 Dallas, TX 75243 | (214) 341-2551 | — | 5.0 |
| 1095 Wynnewood Plaza Dallas, TX 75224 | (214) 946-2274 | — | 4.7 |
| 1120 W Camp Wisdom Rd Dallas, TX 75232 | (972) 224-8074 | — | 4.9 |
| 3117 Al Lipscomb Way Dallas, TX 75215 | (214) 421-4894 | — | 4.9 |
| 3200 S Lancaster Rd Ste 170B Dallas, TX 75216 | (214) 375-6209 | — | 4.9 |
| 3306 W Camp Wisdom Rd Ste 120 Dallas, TX 75237 | (972) 709-1206 | — | 4.9 |
| 3714 W Ledbetter Dr A Dallas, TX 75233 | (214) 331-2081 | — | 4.7 |
| 5920 Samuell Blvd Dallas, TX 75228 | (214) 275-7663 | — | 4.9 |
| 9545 Lake June Rd Dallas, TX 75217 | (214) 309-0101 | — | 4.7 |
| 9730 Abrams Rd #107 Dallas, TX 75243 | (214) 340-2274 | — | 4.9 |
| 10325 Lake June Rd Ste 110 Dallas, TX 75217 | (469) 804-3746 | — | 4.8 |
| 14211 S Coit Rd Suite I Dallas, TX 75254 | (972) 755-3472 | — | 5.0 |
| 2550 Gus Thomasson Rd Dallas, TX 75228 | (469) 804-3659 | — | 4.9 |
| 2959 S Buckner Blvd Dallas, TX 75227 | (972) 755-3339 | — | 4.9 |
| 3420 W Illinois Ave Ste 200A Dallas, TX 75211 | (214) 273-4450 | — | 5.0 |
| 9751 Webb Chapel Rd #700 Dallas, TX 75220 | (214) 273-4449 | — | 4.8 |
| Inside El Rancho, 2770 Valwood Pkwy Farmers Branch, TX 75234 | (972) 755-3473 | — | 4.8 |
| Inside El Rio Grande, 2515 W Jefferson Blvd Dallas, TX 75211 | (469) 804-0590 | — | 5.0 |
| Inside Fiesta Mart, 3460 Webb Chapel Ext Dallas, TX 75220 | (214) 210-7173 | — | 5.0 |
| 10201 Lake June Rd Dallas, TX 75217 | (972) 329-0006 | — | 4.9 |
| 1441-45 E Kiest Blvd Dallas, TX 75216 | (214) 371-0086 | — | 4.9 |
| 2601 S Hampton Rd Dallas, TX 75224 | (214) 330-4500 | — | 4.9 |
| 3706 W Northwest Hwy Dallas, TX 75220 | (214) 351-7097 | — | 4.8 |
| 14207 S Coit Rd Ste 100 Dallas, TX 75254 | (469) 791-9106 | — | 4.9 |
| 2427 W Kiest Blvd Dallas, TX 75233 | (214) 331-6260 | — | 4.9 |
| 4010 Ross Ave Dallas, TX 75204 | (214) 827-0797 | — | 4.8 |
| 15250 Dallas Pkwy Ste. 400 Dallas, TX 75248 | (469) 289-5228 | — | 4.6 |
| 2525 W Wheatland Rd #280 Dallas, TX 75237 | (214) 329-1706 | — | 4.8 |
| 12225 Greenville Ave #430 Dallas, TX 75243 | (214) 575-4400 | — | 3.6 |
| 655 W Illinois Ave Ste 236A Dallas, TX 75224 | (469) 998-1891 | — | 3.4 |
| 2707 Buckner Blvd Dallas, TX 75227 | (469) 480-5889 | — | 4.9 |
| 3333 W Camp Wisdom Rd ste 126 Dallas, TX 75237 | (214) 943-3343 | — | 4.8 |
Fast & secure payday loans in Dallas, Texas
Unexpected expenses can happen anytime. If you need urgent cash in Dallas, 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 Dallas 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 Dallas 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.
Dallas payday loan FAQ
How much cash can I borrow in Dallas?
Loan amounts in Dallas 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 Dallas 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 Dallas 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 Dallas?
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 Dallas residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Dallas or the surrounding Texas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).