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Payday Loans in Austin, TX: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Austin through licensed storefront lenders and online providers. The city has 32 physical locations, with TitleMax operating 9 stores, OneMain Financial running 4, and ACE Cash Express maintaining 3. Texas law allows these loans under the Credit Services Organization Act, which sets loan terms between 7 and 180 days and leaves fees to be capped by city ordinances rather than the state. There's no state-imposed limit on how much you can borrow.
What this means for you: borrowing $500 for 14 days typically costs $75 in fees, bringing your total repayment to $575. That works out to an APR of 391%, though typical APRs in the market can climb above 662%. Without a hard state fee cap, your actual cost depends heavily on which lender you choose and whether Austin's local ordinance applies to your specific loan. You'll want to compare disclosures carefully before signing anything.
Travis County · Austin-Round Rock-San Marcos, TX metro area
Austin borrowers and Texas payday laws
- Max loan amount
- No limit (CSO Model)
- Min loan term
- 7 days
- Max loan term
- 180 days
- Finance charge cap
- No state cap (fees set by city ordinances)
- Max absolute fee
- Varies
- Typical APR
- ~662%+
- Rollovers (extensions)
- Permitted (varies)
- Simultaneous loans
- No state limit
- Right to rescind
- N/A
- Governing law
- Texas Credit Services Organization Act
- Regulator
- TX OCCC
Payday loan cost calculator for Austin
Move the sliders to see what a payday loan would cost under Texas rules and how it compares with local incomes.
Example range up to $1,000
Texas sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in Austin
- 1.9%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Austin, TX
Licensed storefront lenders in Austin with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the TX OCCC before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 500 W William Cannon Dr #426 Austin, TX 78745 | (512) 448-3991 | — | 5.0 |
| 4631 Airport Blvd #120 Austin, TX 78751 | (512) 459-1743 | — | 4.9 |
| 5341 Cameron Rd Austin, TX 78723 | (512) 458-5498 | — | 4.8 |
| 2237 E Riverside Dr #102 Austin, TX 78741 | (512) 447-5682 | — | 4.7 |
| 730 W Stassney Ln Ste 150 Austin, TX 78745 | (512) 447-9371 | — | 4.6 |
| 1717 S Pleasant Valley Rd Austin, TX 78741 | (512) 478-1653 | — | 4.0 |
| 13450 Research Blvd Ste 113 Austin, TX 78750 | (737) 253-8070 | — | 4.6 |
| 9300 I-35 Suite A200 Austin, TX 78748 | (737) 808-0015 | — | 2.6 |
| 1921 Lohmans Crossing Rd #202 Austin, TX 78734 | (512) 620-7040 | — | 4.5 |
| 8310 N Capital of Texas Hwy #200 Austin, TX 78731 | (512) 485-3575 | — | 1.8 |
| 2110 W Slaughter Ln #180 Austin, TX 78748 | (512) 827-0750 | — | 4.6 |
| 1212 W Parmer Ln Ste G Austin, TX 78727 | (512) 374-0941 | — | 4.2 |
| 13359 Research Blvd Ste B-408 Austin, TX 78750 | (512) 335-0526 | — | 3.8 |
| 9020 N Capital of Texas Hwy Bldg 2, Suite 275 Austin, TX 78759 | (512) 406-0214 | — | 3.3 |
| 9900 S I-35 Frontage Rd Ste 200 Austin, TX 78748 | (512) 326-1151 | — | 3.0 |
| 4410 E Riverside Dr Ste 100 Austin, TX 78741 | (512) 900-2328 | — | 5.0 |
| 8752 Research Blvd Austin, TX 78758 | (737) 250-2148 | — | 5.0 |
| 3909 N Interstate Hwy 35 Ste D-6 Austin, TX 78722 | (737) 701-5539 | — | 4.9 |
| 5717 S I-35 Frontage Rd Suite 170 Austin, TX 78744 | (512) 442-1965 | — | 4.3 |
| 2514 E Ben White Blvd Austin, TX 78741 | (512) 447-8077 | — | 4.9 |
| 7201 Cameron Rd Austin, TX 78752 | (512) 458-1422 | — | 4.9 |
| 7419 Burnet Rd Austin, TX 78757 | (512) 873-7881 | — | 4.9 |
| 1930 W William Cannon Dr Austin, TX 78745 | (512) 652-5878 | — | 5.0 |
| 2617 E 7th St Austin, TX 78702 | (512) 362-6175 | — | 5.0 |
| 3909 N Interstate Hwy 35 Austin, TX 78722 | (512) 652-0442 | — | 5.0 |
| 7837 Burnet Rd Austin, TX 78757 | (512) 362-5568 | — | 5.0 |
| 7901 Cameron Rd Ste 5A Austin, TX 78754 | (512) 652-3022 | — | 5.0 |
| 10010 Menchaca Rd Ste B Austin, TX 78748 | (512) 362-6234 | — | 4.9 |
| 1900 E Oltorf St Ste 106 Austin, TX 78741 | (512) 362-6938 | — | 4.9 |
| 8505 Springdale Rd Austin, TX 78754 | (512) 605-6037 | — | 4.9 |
| 8929 N Lamar Blvd Austin, TX 78753 | (512) 605-6091 | — | 4.9 |
| Western Finance 6602 S Congress Ave Austin, TX 78745 | (512) 442-9787 | — | 4.9 |
Austin at a glance
| Metric | Austin | Texas | United States |
|---|---|---|---|
| Population | 1.2M | 29.6M | 332.3M |
| Median household income | $104,070 | $81,963 | $85,275 |
| Median rent | $1,754/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 29.9% | 31.6% | 31.6% |
| Homeownership | 49.8% | 63.8% | 65.4% |
| Poverty rate | 11.7% | 13.9% | 12.6% |
| Unemployment rate | 4.2% | 5.2% | 5.3% |
| Without health insurance | 11.8% | 17.3% | 8.6% |
| Veterans | 4.3% | 6.4% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Austin
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 1.9%
- Hours of work at the local median wage
- 2.7 hours
Texas sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loans in Austin: how to apply
A flat tire or a doctor visit can strain your budget. If you need emergency funds in Austin, we help you reach state-licensed lenders.
Apply from your phone or computer, get a speedy response, and, upon approval, have the money wired to your checking account by the next business day.
Why Austin residents use us
- Fast 5-minute request A digital application you complete without stepping into a storefront.
- Bad credit considered Your steady paycheck matters more to lenders than your credit score.
- Loans within Texas limits Loan terms must comply with the Texas Credit Services Organization Act.
- Safe & confidential We transmit your private details using protected encryption.
Notice for Austin residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Texas law (Texas Credit Services Organization Act). Always review the contract terms carefully before signing.
Read more about borrowing in Austin
Who runs payday stores in Austin
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| TitleMax | 9 | 28% | 5.0 |
| OneMain Financial | 4 | 12% | 3.6 |
| ACE Cash Express | 3 | 9% | 4.7 |
| Oportun | 3 | 9% | 5.0 |
| 1st Franklin Financial | 2 | 6% | 5.0 |
| Lendmark Financial Services | 2 | 6% | 3.6 |
| loanDepot | 2 | 6% | 3.1 |
| Speedy Cash | 2 | 6% | 4.9 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Austin in context
- Population rank in Texas
- 4th
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 34th
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 11.7%
- ▼ 3.3 pts vs TX
- Median home value
- $578,743
- ▲ 104% vs TX
- Home value to income
- 5.6×
- A $400 emergency expense
- 1.4 days
- of median household income
Local numbers for Austin borrowers
Austin in Travis County is home to about 1,157,348 residents, the No. 4 city in Texas by population. The median household income in Austin is $104,070, well above the Texas median of $81,963 and above the national median.
Homes in Austin have a median value of $578,743 (104% above the Texas median). Home prices run roughly 5.6× annual household income. The median individual income is $56,887. Austin is part of the Austin-Round Rock-San Marcos, TX metro area.
The typical rent in Austin runs about $1,754 a month versus $1,384 statewide. Renters spend about 29.9% of income on housing, under the 30% benchmark. 11.7% of residents live below the poverty line, below the Texas rate of 13.9%. About one in 9 households earns under $25,000 a year. About 4.2% of the labor force is unemployed, versus 5.2% in Texas. About 49.8% of homes are owner-occupied, so 50.2% of households rent.
For a median Austin household, the $75 fee on a $500 payday loan equals 1.9% of one paycheck, or about 3 hours of work at the local median wage. Nearby Waco has a median rent of $1,049, $705 less than Austin. Katy, close by, reports a median household income of $114,756. Our directories list 32 licensed loan storefronts, 17 credit unions, 254 bank branches and 52 pawn shops in Austin.
Austin and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Austin | 1,157,348 | $104,070 | $1,754 | 11.7% |
| Pflugerville | 118,437 | $109,522 | $1,769 | 5.7% |
| New Braunfels | 136,170 | $97,032 | $1,527 | 6.1% |
| Temple | 93,254 | $66,993 | $1,231 | 16.1% |
| San Antonio | 1,854,180 | $73,448 | $1,338 | 15.3% |
Source: U.S. Census Bureau American Community Survey estimates.
Austin payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
| $400 | $60 | 391% | $460 | $580 |
| $500 | $75 | 391% | $575 | $725 |
| $750 | $112 | 391% | $862 | $1,088 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Austin borrowers
What is the typical household income in Austin?
Census estimates show a median household income of $104,070 and a median rent of $1,754 a month in Austin.
How many lenders are there in Austin?
Our directories list 32 licensed loan storefronts and 17 credit unions in Austin, Texas. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do Austin renters spend on housing?
Renters in Austin spend about 29.9% of their income on housing, against a 30% affordability benchmark, and 11.7% of residents live below the poverty line (statewide: 13.9%).
What is the typical range for loan amounts in Austin?
Borrowers in Austin generally see loan sizes of from $100 up to the Texas limit (No limit (CSO Model)), which follow Texas statutory rules. The specific dollar figure a lender approves will reflect your documented earnings, current debt obligations and underwriting review.
How quickly are approved loans deposited in Austin?
Getting an initial response typically takes only minutes. Provided you review and digitally sign the loan agreement before the lender's daily cutoff, funds are normally released the same day or the next business day, based on your bank's posting rules.