Overview
Payday Loans in Texas
Payday loans (also called deferred presentment loans) are legal in Texas and regulated by the Texas Office of Consumer Credit Commissioner (OCCC). Cash Day USA is a licensed Texas Credit Access Business (CAB) offering fast loan options with transparent terms.
What You Need
What Do You Need to Apply?
Here is what we ask for to verify your loan eligibility in Texas:
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18 years of age or older
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Valid Texas or US government-issued photo ID
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Social Security Number or ITIN
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Proof of Texas residential address
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Working phone number and email
How It Works
How to Get a Payday Loan in Texas
Applying through Cash Day USA is a quick, simple, and secure process:
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Apply Online or In-Store
Apply in minutes online or visit our Dallas or Houston location. No complicated paperwork required.
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Instant Approval Decision
We assess your income and repayment ability with no hard credit check. Get a decision within minutes of applying.
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Get Same-Day Cash
Approved applicants can get same-day cash at any Texas location or receive a direct bank deposit by the next business morning.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
Rates & Terms
Texas Rates & Terms
Texas does not set a specific APR cap for payday loans, but lenders must be licensed as Credit Access Businesses (CABs) and disclose all fees upfront. Cash Day USA follows all OCCC regulations and provides full disclosure of rates before you sign.
Consumer Protection
How Texas Laws Protect You
Texas law and state regulations are designed to give borrowers important protections:
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Lenders must be licensed as Credit Access Businesses (CABs) by the OCCC.
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All fees must be fully disclosed in writing before loan origination.
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Borrowers have the right to a repayment plan if they cannot repay on time.
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Criminal prosecution for bounced checks is prohibited for payday loan defaults.
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The Texas Finance Code §393 governs all CAB lending activity.
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Borrowers may file complaints with the OCCC at 1-800-538-1579.
Why Choose Us
About Cash Day USA in Texas
Cash Day USA operates licensed stores in Dallas and Houston, serving the broader DFW and Greater Houston areas. We are fully compliant with Texas OCCC regulations and committed to transparent, affordable lending.
⚠️ Customer Notice
Payday loans are designed for short-term financial needs. Texas does not cap APR, so review your full cost of credit before signing. Only borrow what you can comfortably repay.
Get quick cash in Texas today!
Apply online or visit one of our Texas locations — it takes only minutes.
Apply Now
FAQ
Frequently Asked Questions
Are payday loans legal in Texas?
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Yes. Payday loans are legal in Texas. Lenders must be licensed as Credit Access Businesses (CABs) and are regulated by the Texas Office of Consumer Credit Commissioner (OCCC).
How much can I borrow with a Texas payday loan?
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At Cash Day USA Texas locations, you can borrow up to $1,000 with a payday loan, or up to $5,000 with an installment loan, subject to income verification.
Can I get a payday loan in Texas with bad credit?
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Yes. We assess your income and financial situation — not just your credit score. Bad credit applicants are welcome to apply at our Dallas and Houston locations.
How fast can I get funded in Texas?
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Same-day cash is available at our Dallas and Houston stores. Apply before 10:30 AM on a weekday for same-day bank deposits.
What if I cannot repay my Texas payday loan?
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Texas law allows borrowers to request a repayment plan. Contact your branch immediately if you are having trouble. Criminal prosecution for loan default is prohibited.
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