Installment Loans in Texas

Texas installment 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 installment loans in Texas. We offer an easy application, a quick decision, and money in your account typically by the next business day.

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

Our Texas Installment Loan

Cash Factory USA arranges installment loans in Texas. Installment loans give you a longer time to pay back what you borrow than a single-payment loan. 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-$2,000 (depending on income and other factors) that is designed to help you pay for immediate expenses and repay the balance over the next several months. The following terms generally apply to TX installment loans:

  • Maximum loan amount of $2,000
  • Loan term between 120-180 days
  • 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

Single Payment (Payday) Loans

Multi-Payment (Installment) Loans

* Loan funding times and loan amounts are subject to eligibility. Not all applications are approved. Cash Factory USA is not a lender in all states, and loan approvals and amounts are subject to qualification criteria and applicable state laws. If approved before 9 am PT on a business day, funds are generally deposited via ACH the same day or, if approved before 5:15 pm PT, the next business day.  Some applications may require additional verification to qualify, which could delay funding. See Rates & Terms for your state or call us at 855-374-5626 for more details.

Cash Factory USA may use application information, loan history, and various credit reports as part of their underwriting. TX residents: Cash Factory USA operates as a Credit Access Business, arranging a loan between you and a third party. See Licenses & Registrations for additional information. Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.

2233 Paradise Road, LLC, d/b/a Cash Factory USA
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