Need a payday loan? Here's how to get one in Houston |
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Compare short-term loans in Houston

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Where to find fast cash in Space City and what you need to know.

Houston is one of a handful of Texas cities that has its own regulations on payday loans — in addition to state law. But with few restrictions on fees, don’t be surprised if it gets expensive.

Our top pick: OppLoans Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

Our top pick: OppLoans Installment Loans

Comes with the option to change your due date so you won’t fall behind on repayments.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements

Can I get a payday loan in Houston?

You can. However, Houston is one of a number of Texas cities that has additional regulations on top of Texas state law. Here’s what you can expect in Houston:

  • Maximum amount: 20% of your monthly income before taxes.
  • Maximum APR: None.
  • Maximum term for loans under $100: Six months per $10 borrowed.
  • Maximum term for loans over $100: Six months per $20 borrowed.

On top of this, you also can’t refinance ore renew a loan more than three times. After that, you can’t take out another loan within seven days of paying off your loan.

Other short-term loans in Houston

In addition to payday loans, you can also get an installment loan or a title loan.

  • Installment loans. Houston residents can pay off a short-term loan in up to four monthly installments with no option to renew.
  • Title loans. Borrow up to 3% of your annual income before taxes or 70% of your vehicle’s current retail value by backing your loan with your car’s title.

A selection of loans for Houston residents

Updated May 20th, 2019
Name Product Filter Values Max. Loan Amount Loan Term Turnaround Time
6 months to 6 years
As soon as the next business day
Get connected with multiple lenders you might qualify with — even if you have bad credit.
9 to 36 months
1 business day
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
1 business day
Get offers from potential lenders in minutes by filling out just one online form.
Varies by state
Varies by state
1 business day
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
90 days to 72 months
As early as 1 business day
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
7-30 days
As soon as the next business day
Get rewarded for making on-time repayments with better rates and terms on future loans.
Varies by state
Varies by state
1 business day
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
Varies by state
1 to 2 business days
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

Compare up to 4 providers

What do I need to apply?

Though it varies by lender, you have to meet these eligibility criteria to get a payday loan in Houston:

  • You’re at least 18 years of age
  • You’re an American citizen or a legal resident of this country
  • You have a steady source of income

To complete the application successfully you’ll also typically have to provide some basic personal information, including:

  • Your name, residential address, email address and phone number
  • Your date of birth, Social Security number and details from a valid form of ID such as your passport or driver’s license
  • Details about your employment and income

Where to get a payday loan in Houston

Payday loan locations near me in Houston, TX

  • Texas Car Title & Payday Loan Services, Inc. 12817 Aldine Westfield Rd, Houston, TX 77039
  • Check ‘n Go. 6348 Telephone Rd, Houston, TX 77087
  • Advance America. 453 Uvalde Rd, Houston, TX 77015
  • Cash Store. 7844 W Tidwell Rd #100, Houston, TX 77040
  • Power Finance Texas. 11811 North Fwy #415, Houston, TX 77060
  • Your Loan Depot. 7418 Airline Dr Suite Y, Houston, TX 77076

Be cautious of high APRs

Since Houston doesn’t have any restrictions on payday loan fees, they can be extremely expensive — think APRs from 200% to 500%. And with the option to renew your loan up to three times, these costs can start to add up fast if you can’t pay it back on time.

What are the costs of a cash advance in Houston?

There are two costs you need to consider when getting a cash advance in Houston: Interest and fees. Texas state law caps interest rates at 10% but doesn’t limit how much a lender can charge in fees. Houston doesn’t have any city laws limiting interest or fees.

Without limits on fees, the limit on interest doesn’t do much to protect borrowers from high APRs, which takes both interest and fees into account. How much you pay depends on your lender but triple-digit APRs are generally the norm.

Frequently asked questions

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Are payday loans available in my state?

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US Payday Loans Offers

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Apply for a short-term loan with an easy online application and dedicated customer service.

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OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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