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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 Houston, Texas
Texas payday loan rules that apply in Houston
- 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
Houston at a glance
| Metric | Houston | Texas | United States |
|---|---|---|---|
| Population | 3.2M | 29.6M | 332.3M |
| Median household income | $69,860 | $81,963 | $85,275 |
| Median rent | $1,340/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 33.6% | 31.6% | 31.6% |
| Homeownership | 49.8% | 63.8% | 65.4% |
| Poverty rate | 18.6% | 13.9% | 12.6% |
| Unemployment rate | 6.8% | 5.2% | 5.3% |
| Without health insurance | 23.7% | 17.3% | 8.6% |
| Veterans | 3.6% | 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 Houston
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 Houston
- 2.8%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Houston
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.8%
- Hours of work at the local median wage
- 4.0 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.
Houston in context
- Population rank in Texas
- 1st
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 68th
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 18.1%
- ▲ 3.1 pts vs TX
- Median home value
- $292,345
- ▲ 3% vs TX
- Home value to income
- 4.2×
- A $400 emergency expense
- 2.1 days
- of median household income
Payday loan stores in Houston, TX
Licensed storefront lenders in Houston 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 |
|---|---|---|---|
| 10804 S Post Oak Rd Ste 350 Houston, TX 77035 | (713) 283-5441 | — | 4.9 |
| 10959 Cypress Creek Pkwy E Houston, TX 77070 | (832) 912-1794 | — | 4.8 |
| 10994 Fuqua St Ste B Houston, TX 77089 | (281) 484-7711 | — | 4.9 |
| 11401 North Fwy Houston, TX 77060 | (281) 999-2060 | — | 4.8 |
| 11840 Westheimer Rd Houston, TX 77077 | (281) 584-9823 | — | 4.8 |
| 12331 Fondren Rd Houston, TX 77035 | (713) 723-2919 | — | 4.9 |
| 1303 W 11th St Houston, TX 77008 | (713) 880-1280 | — | 4.8 |
| 13315 East Fwy Houston, TX 77015 | (713) 450-9793 | — | 4.9 |
| 13509 Northwest Fwy Houston, TX 77040 | (713) 690-2274 | — | 4.9 |
| 13548 Beechnut St Ste 200 Houston, TX 77083 | (281) 575-7969 | — | 4.8 |
| 13640 Tomball Pkwy Houston, TX 77086 | (281) 591-6671 | — | 4.9 |
| 1414 Gessner Rd Houston, TX 77080 | (713) 461-2194 | — | 4.9 |
| 14708 Hiram Clarke Rd C Houston, TX 77053 | (713) 434-9992 | — | 4.9 |
| 15948 S Post Oak Rd Ste J Houston, TX 77053 | (281) 416-8462 | — | 5.0 |
| 16257 FM 529 Houston, TX 77095 | (281) 463-4691 | — | 4.9 |
| 1734 W Mt Houston Rd Houston, TX 77038 | (281) 448-7668 | — | 4.8 |
| 2001 Fannin St Houston, TX 77002 | (713) 654-8087 | — | 4.7 |
| 203 W Greens Rd Houston, TX 77067 | (281) 875-3223 | — | 4.9 |
| 2533 Southmore Blvd a Houston, TX 77004 | (713) 520-0655 | — | 4.8 |
| 2815 Collingsworth St Houston, TX 77026 | (713) 223-0693 | — | 4.8 |
| 2838 Hwy 6 C Houston, TX 77082 | (281) 752-9160 | — | 4.9 |
| 4502 Griggs Rd A Houston, TX 77021 | (713) 741-6162 | — | 4.8 |
| 4507 FM 1960 W Houston, TX 77069 | (281) 444-2714 | — | 4.9 |
| 4607 Hwy 6 N Houston, TX 77084 | (281) 861-7336 | — | 4.7 |
| 5510 Bellaire Blvd B Houston, TX 77081 | (713) 666-7384 | — | 4.9 |
| 622 W Little York Rd Houston, TX 77091 | (713) 691-2182 | — | 4.9 |
| 6408 Martin Luther King Blvd Houston, TX 77033 | (713) 264-6516 | — | 4.9 |
| 6464 W Little York Rd A Houston, TX 77091 | (713) 466-0198 | — | 4.9 |
| 6883 S Gessner Rd Houston, TX 77036 | (713) 271-5938 | — | 4.9 |
| 7542 W Bellfort Ave Houston, TX 77071 | (713) 270-4810 | — | 5.0 |
| 810 Cypress Creek Pkwy Houston, TX 77090 | (281) 893-6228 | — | 4.9 |
| 8304 Broadway St Houston, TX 77061 | (713) 641-2274 | — | 4.9 |
| 8625 Mesa Dr Houston, TX 77028 | (713) 635-4712 | — | 4.9 |
| 9 Uvalde Rd #3 Houston, TX 77015 | (713) 451-6400 | — | 4.8 |
| 9201 Cullen Blvd Houston, TX 77051 | (713) 733-2274 | — | 4.9 |
| 928 E Tidwell Rd Houston, TX 77022 | (713) 691-9066 | — | 4.9 |
| 9415 Jensen Dr Houston, TX 77093 | (713) 695-4760 | — | 4.9 |
| 9535 Westheimer Rd Houston, TX 77063 | (713) 783-1190 | — | 4.8 |
| 9539 S Main St Houston, TX 77025 | (713) 665-2262 | — | 4.9 |
| 9819 Bissonnet St V Houston, TX 77036 | (713) 773-9033 | — | 4.9 |
| 10232 S Post Oak Rd Houston, TX 77096 | (713) 721-2665 | — | 5.0 |
| 10610 FM 1960 W Houston, TX 77070 | (281) 469-1461 | — | 5.0 |
| 10701 Market St Jacinto City, TX 77029 | (713) 360-4994 | — | 5.0 |
| 10881 Bissonnet St Houston, TX 77099 | (832) 775-0083 | — | 5.0 |
| 11310 North Fwy Houston, TX 77037 | (281) 591-7855 | — | 5.0 |
| 11550 Gulf Fwy Ste G Houston, TX 77034 | (713) 401-3030 | — | 5.0 |
| 12015 Murphy Rd Houston, TX 77031 | (281) 933-8687 | — | 5.0 |
| 12298 Veterans Memorial Dr Houston, TX 77067 | (281) 377-2330 | — | 5.0 |
| 12899 Westheimer Rd Ste B Houston, TX 77077 | (832) 775-0146 | — | 5.0 |
| 1401 Gessner Rd Ste B Houston, TX 77080 | (713) 338-8465 | — | 5.0 |
| 1421 W 11th St Houston, TX 77008 | (281) 661-4644 | — | 5.0 |
| 2120 S Wayside Dr Houston, TX 77023 | (713) 239-1965 | — | 5.0 |
| 3517 Little York Rd Unit 6 Houston, TX 77093 | (281) 810-4395 | — | 5.0 |
| 3610 Hillcroft St Houston, TX 77063 | (713) 425-0403 | — | 5.0 |
| 4502 Griggs Rd Houston, TX 77021 | (713) 338-8200 | — | 5.0 |
| 474 Uvalde Rd Houston, TX 77015 | (713) 453-1544 | — | 5.0 |
| 4950 FM 1960 W Ste E1A Houston, TX 77069 | (281) 586-6009 | — | 5.0 |
| 5248 Aldine Mail Rte Rd Houston, TX 77039 | (281) 227-0037 | — | 5.0 |
| 5326 Airline Dr Houston, TX 77022 | (713) 425-0407 | — | 4.9 |
| 5521 Hwy 6 N Houston, TX 77084 | (281) 946-1009 | — | 5.0 |
| 5603 Telephone Rd Houston, TX 77087 | (713) 360-3391 | — | 5.0 |
| 6221 Bellaire Blvd Houston, TX 77081 | (713) 239-1851 | — | 5.0 |
| 6320 Lyons Ave Houston, TX 77020 | (281) 466-4912 | — | 5.0 |
| 71 Uvalde Rd Houston, TX 77015 | (713) 330-4113 | — | 5.0 |
| 7270 Antoine Dr Ste 200 Houston, TX 77088 | (281) 591-7079 | — | 5.0 |
| 7640 S Texas 6 Houston, TX 77083 | (281) 668-2927 | — | 5.0 |
| 7730 W Bellfort Ave Houston, TX 77071 | (713) 343-4404 | — | 5.0 |
| 7902 Long Point Rd Ste B Houston, TX 77055 | (832) 390-3523 | — | 5.0 |
| 801 S 75th St Houston, TX 77023 | (713) 343-3540 | — | 5.0 |
| 8197 Antoine Dr Houston, TX 77088 | (281) 931-4910 | — | 5.0 |
| 8400 S Gessner Rd Houston, TX 77074 | (713) 343-1726 | — | 5.0 |
| 9919 North Fwy Ste 110 Houston, TX 77037 | (281) 820-7938 | — | 5.0 |
| 992 FM 1960 W Houston, TX 77090 | (281) 444-4526 | — | 5.0 |
| 10915 East Fwy Ste A Houston, TX 77029 | (713) 401-2519 | — | 4.9 |
| 11206 Airline Dr Houston, TX 77037 | (281) 542-3543 | — | 4.9 |
| 11210 North Fwy Houston, TX 77037 | (281) 203-0419 | — | 4.9 |
| 13765 TX-249 Houston, TX 77086 | (346) 444-9942 | — | 4.9 |
| 14405 Bellaire Blvd Houston, TX 77083 | (346) 444-9941 | — | 5.0 |
| 1517 Gessner Rd Houston, TX 77043 | (281) 542-3724 | — | 4.9 |
| 1811 Wirt Road, Suite A, Long Point Rd Center Houston, TX 77055 | (832) 610-3090 | — | 4.9 |
| 2859 S Richey St Houston, TX 77017 | (346) 216-4371 | — | 4.9 |
| 3341 Telephone Rd Houston, TX 77023 | (832) 610-3272 | — | 4.9 |
| 4978 Hwy 6 N Houston, TX 77084 | (713) 401-2657 | — | 5.0 |
| 5316 Airline Dr Ste A Houston, TX 77022 | (346) 216-4362 | — | 5.0 |
| 6040 S Gessner Rd Houston, TX 77036 | (346) 216-4373 | — | 5.0 |
| 800 S Wayside Dr Houston, TX 77023 | (832) 610-3067 | — | 4.9 |
| 9979 Beechnut St Houston, TX 77036 | (281) 547-7889 | — | 4.9 |
| Inside DolEx, 12267 Veterans Memorial Dr Houston, TX 77067 | (866) 488-6090 | — | 4.9 |
| Inside Fiesta Mart, 10401 Jensen Dr Houston, TX 77093 | (832) 610-3068 | — | 4.9 |
| Inside Vallarta, 5716 Bellaire Blvd Houston, TX 77081 | (832) 610-3089 | — | 4.9 |
| Plaza Americas, 7584 Bellaire Blvd Houston, TX 77036 | (713) 369-2730 | — | 4.9 |
| 10511 Eastex Freeway, #200 Houston, TX 77093 | (713) 691-3462 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 10870 FM 1960 Rd. W Houston, TX 77070 | (281) 477-8741 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 12430 Tomball Pkwy, Ste. C Houston, TX 77086 | (281) 272-6734 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 13139 Veterans Memorial Dr. Houston, TX 77014 | (281) 893-5360 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 14658 Woodforest Blvd. Houston, TX 77015 | (713) 451-7002 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2348 Fry Rd. Houston, TX 77084 | (281) 398-6775 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 2902 N. Shepherd Dr., Unit G Houston, TX 77008 | (713) 861-0748 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 453 Uvalde Rd. Houston, TX 77015 | (713) 330-8207 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 6824 Highway 6 S., Ste. E3 Houston, TX 77083 | (281) 983-5365 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 7580-A West Bellfort Rd. Houston, TX 77071 | (713) 270-0479 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 8574 Westheimer Rd. Houston, TX 77063 | (713) 532-4175 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 9281 S. Main St. Houston, TX 77025 | (832) 778-1346 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 991 East Nasa Pkwy Houston, TX 77058 | (281) 990-6630 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 10884 W Bellfort Ave Houston, TX 77099 | (281) 575-0137 | — | 5.0 |
| 1160 Edgebrook Dr Houston, TX 77034 | (713) 910-4338 | — | 4.9 |
| 11830 Bellaire Blvd Ste A Houston, TX 77072 | (281) 575-6607 | — | 5.0 |
| 13482 Northwest Fwy #100 Houston, TX 77040 | (713) 460-4995 | — | 4.9 |
| 3802 S Gessner Rd Ste 100 Houston, TX 77063 | (713) 789-0213 | — | 5.0 |
| 5506 Bellaire Blvd A Houston, TX 77081 | (713) 666-2627 | — | 4.9 |
| 6902 Harrisburg Blvd Houston, TX 77011 | (713) 928-2274 | — | 4.9 |
| 7434 Airline Dr Houston, TX 77076 | (713) 884-8347 | — | 4.9 |
| 8569 Long Point Rd Houston, TX 77055 | (713) 461-8910 | — | 5.0 |
| 8602 S Braeswood Blvd Houston, TX 77031 | (713) 772-2774 | — | 5.0 |
| 883 Federal Rd Ste A Houston, TX 77015 | (713) 451-1669 | — | 4.9 |
| 11550 Fuqua St Ste 355 Houston, TX 77034 | (281) 991-8989 | — | 3.7 |
| 11807 Westheimer Rd Ste 570 Houston, TX 77077 | (281) 556-1955 | — | 3.8 |
| 13720 Northwest Fwy Houston, TX 77040 | (713) 460-4954 | — | 4.0 |
| 13740 East Fwy E Houston, TX 77015 | (346) 237-9025 | — | 4.9 |
| 13837 Breck St E Houston, TX 77066 | (281) 893-4654 | — | 4.2 |
| 15757 FM 529 B Houston, TX 77095 | (281) 856-8485 | — | 3.9 |
| 17375 Tomball Pkwy #2J Houston, TX 77064 | (281) 477-9034 | — | 3.4 |
| 5757 Westheimer Rd #104 Houston, TX 77057 | (713) 369-3108 | — | 3.1 |
| 5815 Gulf Fwy Ste B350 Houston, TX 77023 | (713) 928-6825 | — | 4.2 |
| 12100D Veterans Memorial Dr Houston, TX 77067 | (281) 440-0701 | — | 5.0 |
| 12777 Jones Rd #175 Houston, TX 77070 | (281) 970-6642 | — | 4.9 |
| 16151 Cairnway Dr Ste 104 Houston, TX 77084 | (281) 550-9923 | — | 5.0 |
| 6348 Telephone Rd Houston, TX 77087 | (713) 641-4530 | — | 4.9 |
| 6606 Lawndale St Suite 300 Houston, TX 77023 | (713) 924-3000 | — | 5.0 |
| 8409-A Hillcroft Ave Houston, TX 77096 | (713) 995-8318 | — | 4.9 |
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Texas Car Title and Payday Loan Services
5 stores in Houston
texascartitleandpaydayloanservicesinc.com
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| 12817 Aldine Westfield Rd Houston, TX 77039 | (281) 227-7600 | — | 4.9 |
| 2206 N Fry Rd Houston, TX 77084 | (281) 646-1491 | — | 4.8 |
| 428 Uvalde Rd Houston, TX 77015 | (713) 453-2597 | — | 4.9 |
| 821 FM 1960 W Houston, TX 77090 | (281) 444-9997 | — | 4.9 |
| 9478 S Texas 6 Houston, TX 77083 | (281) 776-9900 | — | 4.5 |
| 12626 Woodforest Blvd Ste A Houston, TX 77015 | (713) 637-8105 | — | 4.9 |
| 13706 East Fwy Ste 300 Houston, TX 77015 | (713) 455-3180 | — | 4.9 |
| 19734 Tomball Pkwy Houston, TX 77070 | (281) 477-7282 | — | 5.0 |
| 9319 S Texas 6 # B Houston, TX 77083 | (281) 568-1770 | — | 4.9 |
| 10705 Market St Ste f Houston, TX 77029 | (713) 672-5100 | — | 4.9 |
| 1955 Gessner Rd Houston, TX 77080 | (713) 468-9206 | — | 4.9 |
| 6846 Antoine Dr Houston, TX 77091 | (832) 260-0210 | — | 4.9 |
| 8531 Gulf Fwy Houston, TX 77017 | (713) 643-9005 | — | 5.0 |
| 12804 Gulf Fwy Ste. 800 Houston, TX 77034 | (346) 229-2377 | — | 4.8 |
| 22501 Tomball Pkwy Ste. 100 Houston, TX 77070 | (281) 378-3127 | — | 4.8 |
| 2660 Eldridge Pkwy Ste. A Houston, TX 77082 | (281) 914-4343 | — | 4.7 |
| 9150 S Main St Ste H-2 Houston, TX 77025 | (346) 200-8066 | — | 4.9 |
| 7012 Woodridge Dr Houston, TX 77087 | (713) 649-6800 | — | 4.3 |
| 8503 Gulf Fwy Ste D Houston, TX 77017 | (713) 921-6058 | — | 4.9 |
| 5050 Westheimer Rd #140 Houston, TX 77056 | (713) 395-6900 | — | 3.8 |
Fast & secure payday loans in Houston, Texas
Unexpected expenses can happen anytime. If you need urgent cash in Houston, 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 Houston 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 Houston 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.
Houston payday loan FAQ
How much cash can I borrow in Houston?
Loan amounts in Houston 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 Houston 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 Houston 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 Houston?
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 Houston residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Houston or the surrounding Texas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).