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Find a Payday Loan in Texas – Apply Online Today!

Harpsey can help find you the best payday loans in Texas for your needs. You might be looking to borrow $300 or up to $35,000 – apply online today and, if approved, you could have money in your account within the hour. We can give you an instant response, whether you have bad credit or are looking for a payday with no credit check. Click “Apply Now”!

What are the Key Features of a Payday Loan in Texas?


Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

How Much Does a $500 Loan Cost in Texas?


This is a representative example. Terms will vary from lender to lender.

If you borrowed $500 in Texas, with an average APR of 410%, over the course of 6 months, you would repay $737.08

3 Simple Steps To Apply For a Payday Loan in Texas:

Step 1:
Apply Online

Fill in our simple online form – it will only take 5 minutes!

Step 2:
Wait For Approval

Get an instant offer from one of our reputable lenders

Step 3:
Receive Your Loan

Once approved, you could have money in your account within the hour!

Am I Eligible For a Payday Loan In Texas?

There are a few simple criteria required for you to be eligible for a payday loan in Texas. If you fit the requirements below, click ‘Get Started’ to fill out our quick online form:

  • You must be a US resident
  • You must be over the age of 18
  • You must be in stable employment 
  • You must earn a minimum of $800 a month
  • You must have a live checking account
Payday loans online in Texas

Why Should I Use Harpsey To Get a Payday Loan in Texas?  

Payday loans can be a fast way to get cash to cover urgent and unexpected expenses that might leave you short until your next pay-check. Being able to secure money quickly with a loan could be the solution needed and Harpsey can help connect you to a trusted lender in Texas. 

Our fully online process gives you an instant decision on your application and, if approved, you could have funds in your live checking account in minutes, hours or by the next business day. The application form is quick and simple and there are no fees for applying. You can even find options if you have bad credit or are seeking no credit check loans.

Do You Offer Payday Loans in Texas With Bad Credit?

Yes! We have a wide base of lenders in Texas who can provide offers for customers with bad credit and poor credit history. Even if you have had a previous application denied by a bank or lender it is worth applying, we will work our hardest to match you with the lender most likely to approve you. 

As long as you meet eligibility criteria for a payday loan including having stable employment and income, beginning your application now could be the first step at getting your credit score back on track.

Do You Offer Payday Loans With No Credit Checks?

We have options for borrowers looking for payday loans with no credit checks. Note that all of our customers are subject to a credit check to make sure you are eligible, and to prevent you any extra financial stress in receiving a loan offer that is unaffordable. We use a soft search approach that will not leave any visible footprint on your credit report and will not impact on your credit score in any way.

How Do Repayments Work For a Payday Loan in Texas?

You can borrow a payday loan of $100 up to $35,000 from one of our lenders who will agree your repayment terms and how long is best to borrow for. For short-term loans you will repay the loan in one payment within a couple of weeks. For larger loans, you will repay the amount in equal monthly installments over up to 60 months. You can always choose to repay your loan early which can save you money on interest.

Payday Loans In Texas

How Fast Can I Get a Payday Loan in Texas?

We understand that unexpected expenses such as medical bills or house repairs can lead to urgency of securing a payday loan. Harpsey is here to save you time visiting local lenders and instead quickly searches multiple loan options for you. With Harpsey you can complete our online form in just 5 minutes without leaving the house and have an instant offer on your screen. 

If approved and subject to a few further checks, you can receive funds in your bank account within a few hours or by the next business day! To make the process as quick as possible, make sure to have your accurate details ready including your employment and bank information and try to be available by phone or email to answer additional questions from your lender.

What Happens If I Cannot Repay My Loan in Texas?

If you become aware you cannot meet a repayment for your payday loan, it is crucial to contact your lender. Falling to repay your loan on time can lead to additional interest on your loan. It is crucial to discuss a payment plan solution to clear your balance and avoid any damage to your credit score.

Before agreeing to a payday loan, it is important to make sure you can comfortably repay your loan on time. Take time to consider how you will be repaying your loan, either from your income or from your savings.

Where Can I Get a Payday Loan In Texas?


With our fully online process we can search for a payday loan for you all across Texas, no matter where you are living. From Austin to Dallas, Houston to San Antonio, we can match you with a lender with the best rate. Borrowing $300 or $600 couldn’t be easier from any of the following locations and beyond:

  • Amarillo

  • Arlington
  • Austin
  • Brownsville
  • Corpus Christi
  • Cypress
  • Dallas
  • Deer Park
  • Del Rio
  • Del Valle
  • Denison
  • Denton
  • Desoto
  • Detroit
  • Diboll
  • Dickinson
  • Dumas
  • Eagle Pass
  • El Paso
  • Elgin
  • Elsa
  • Ennis
  • Euless
  • Ferris
  • Fort Worth
  • Frisco
  • Garland
  • Gainesville
  • Galveston
  • Gatesville
  • Georgetown
  • Gonzales
  • Granbury
  • Grand Prairie
  • Grapevine
  • Greenville
  • Groves
  • Gun Barrel City

  • Houston

  • Irving
  • Jacksonville
  • Jasper
  • Katy
  • Keller
  • Kerrville
  • Kilgore
  • Killeen
  • Kingsville
  • La Marque
  • Lake Dallas
  • Lake Jackson
  • Lamesa
  • Laredo
  • Lubbock
  • McKinney
  • Mercedes
  • Mesquite
  • Midland
  • Midlothian
  • Plano
  • Robstown
  • Rockport
  • Rockwall
  • San Antonio
  • San Benito
  • San Elizario
  • San Juan
  • San Marcos
  • Seabrook
  • Seagoville
  • Seguin
  • Selma
  • Sherman
  • Sinton
  • Snyder
  • South Houston

  • Splendora

  • Spring
  • Stafford
  • Sherman
  • Sinton
  • Snyder
  • South Houston
  • Splendora
  • Spring
  • Stafford
  • Stephenville
  • Sugar Land
  • Sulphur Springs
  • Sweetwater
  • Talco
  • Taylor
  • Temple
  • Terrell
  • Texarkana
  • Texas City
  • The Colony
  • The Woodlands
  • Tomball
  • Tyler
  • Universal City
  • Uvalde
  • Vernon
  • Victoria
  • Vidor
  • Waco
  • Waxahachie
  • Weatherford
  • Webster
  • Weslaco
  • West Columbia
  • Wharton
  • Wichita Falls
  • Woodville


Payday Loans in Texas

In Texas there is no limit on the amount that you can borrow. Harpsey helps to secure loans from $100 to $35,000. 

Your repayment terms will be agreed with your lender based on the amount you are borrowing. In Texas the maximum loan length is 180 days.

There is a price cap of 664% on payday loans in Texas. This cap is a limit on how much interest lenders are allowed to charge borrowers for taking out a payday loan

In Texas there is no limit on the number of loans you can have open at one time. It is not recommended to have a number of active loans to risk falling into financial difficulty. 

No, Harpsey is a broker. We will connect you to a direct lender in Texas who will approve your loan terms.