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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.
OppLoans Installment Loans

OppLoans Installment Loans

Get fast funding up to $5,000 at reasonable interest rates.

  • Min. Loan Amount: $500
  • Loan Term: 9 to 36 months
  • Turnaround Time: As soon as 1 business day
  • Must be 18+ years old
  • No security deposit needed
  • Confidential and secure

    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

    Rates last updated December 15th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Term of Loan Turnaround Time Max. Loan Amount
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    90 days to 72 months
    As early as 1 business day
    $10,000
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    4–30 months, varies by state
    1–2 days
    $2,600
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    9 to 36 months
    1 business day
    $5,000
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    Varies by state
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    Varies
    1 business day
    $15,000
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    Varies by state
    1–2 business days
    $1,000
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Varies by state

    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

    Picture: Shutterstock

    Are payday loans available in my state?

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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

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

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

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

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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