Payday and Installment Loans in Texas

Texas payday loans may be able to help when you’re caught short on cash and are still days away from your next payday. These short term loans provide a small amount of money that could be helpful if you’re struggling with unexpected bills or an emergency situation. Cash Factory USA arranges payday loans in Texas. We offer an easy application, a quick decision, and money in your account typically by the next business day.

Our Texas Payday Loan

Online payday loans in Texas are usually between $100-$1,000 and are designed to help you pay for immediate expenses. The loan is typically repaid on your next payday.

Credit Access Business Services

Cash Factory USA is licensed as a Credit Access Business (CAB) in the State of Texas. As a CAB, Cash Factory USA will not be your lender, but will:

  • Arrange for you to receive a loan from an unaffiliated third-party payday lender
  • Assist you in preparing and completing the documents required by the lender
  • Process your loan proceeds and accept your payments on behalf of the lender
  • Guarantee your payment obligations to the lender

Terms for Texas Residents

Texas payday loans have amounts between $100 and $1,000 and payback terms not exceeding 45 days.

If you qualify, we may allow you to refinance or extend your original due date of your loan provided you pay any outstanding interest and CAB fees on or before your due date. Contact customer service if you have questions regarding this service.

Payday Loan Fee Schedule and APR

Please click here to see a schedule of all fees for Texas payday loans to be charged for services performed by the CAB in connection with deferred presentment transactions.

Our Texas Installment Loan

Cash Factory USA also arranges installment loans in Texas. Installment loans give you a longer time to pay back what you borrow. They are multi-payment, which may make it easier to pay over time.

Terms for Installment Loans

An installment loan is a multi-payment loan usually between $100-$1,000 (depending on income and state laws) that is designed to help you pay for immediate expenses and repay the balance over the next several months. Requirements for TX installment loans are:

  • Your maximum loan amount may not exceed $1,000
  • Your loan term will be between 120-180 days
  • Your loan payments will be scheduled to occur on your paydays
  • You must have an open and active checking account

Installment Loan Fee Schedule and APR

Please click here to see a schedule of all fees to be charged for services performed by the CAB in connection with deferred presentment transactions.

Licenses

This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov

Texas Credit Access Business License

Texas Credit Service Organization License

Texas Credit Access Business Disclosures

Deferred Deposit (Payday) Loans

Installment Loans