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Compare short-term loans in Houston, Texas

Learn more about your payday loan options and see how much it'll cost you.

Editor's choice: Tidal Lending

  • Easy online application
  • Quick approval
  • Long repayment terms
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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.

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.

Compare payday loans available in Houston

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Tidal Lending
Tidal Lending
$100 to $30,000
As Soon As Next Business Day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Chime SpotMe overdraft
Up to $200
$200 in qualifying direct deposits into a Chime checking account in the last 34 days
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
$500 to $10,000
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Up to $250
1 to 3 days or same-day in some circumstances
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.

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

Must read: 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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