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Payday Loans in Dallas, TX: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Dallas through licensed storefront lenders. The city has 46 payday and installment storefronts, with major chains including TitleMax, ACE Cash Express, and Oportun. These lenders operate under Texas's Credit Services Organization Act, which means there is no state cap on loan amounts or fees. Instead, Dallas borrowers face costs shaped by local city ordinances that can limit fees, though typical annual percentage rates still run about 662% or higher.
A 14-day loan of $300 illustrates what this means in practice. You'd pay roughly $45 in fees and owe $345 total, which works out to an APR of 391%. Terms can stretch from 7 days to 180 days, and rollovers are permitted depending on the lender. With no state limit on simultaneous loans, some borrowers take out multiple loans at once. Before visiting a storefront, gather your ID, proof of income, and bank details, then compare the fee disclosure each lender must provide under the Truth in Lending Act.
Dallas County · Dallas-Fort Worth-Arlington, TX metro area
Dallas 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 Dallas
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 Dallas
- 2.7%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Dallas, TX
Licensed storefront lenders in Dallas 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 |
|---|---|---|---|
| 1120 W Camp Wisdom Rd Dallas, TX 75232 | (972) 224-8074 | — | 4.9 |
| 3117 Al Lipscomb Way Dallas, TX 75215 | (214) 421-4894 | — | 4.9 |
| 3200 S Lancaster Rd Ste 170B Dallas, TX 75216 | (214) 375-6209 | — | 4.9 |
| 3306 W Camp Wisdom Rd Ste 120 Dallas, TX 75237 | (972) 709-1206 | — | 4.9 |
| 5920 Samuell Blvd Dallas, TX 75228 | (214) 275-7663 | — | 4.9 |
| 9730 Abrams Rd #107 Dallas, TX 75243 | (214) 340-2274 | — | 4.9 |
| 1095 Wynnewood Plaza Dallas, TX 75224 | (214) 946-2274 | — | 4.7 |
| 3714 W Ledbetter Dr A Dallas, TX 75233 | (214) 331-2081 | — | 4.7 |
| 9545 Lake June Rd Dallas, TX 75217 | (214) 309-0101 | — | 4.7 |
| 14207 S Coit Rd Ste 100 Dallas, TX 75254 | (469) 791-9106 | — | 4.9 |
| 2427 W Kiest Blvd Dallas, TX 75233 | (214) 331-6260 | — | 4.9 |
| 4010 Ross Ave Dallas, TX 75204 | (214) 827-0797 | — | 4.8 |
| 2525 W Wheatland Rd #280 Dallas, TX 75237 | (214) 329-1706 | — | 4.8 |
| 15250 Dallas Pkwy Ste. 400 Dallas, TX 75248 | (469) 289-5228 | — | 4.6 |
| 12225 Greenville Ave #430 Dallas, TX 75243 | (214) 575-4400 | — | 3.6 |
| 655 W Illinois Ave Ste 236A Dallas, TX 75224 | (469) 998-1891 | — | 3.4 |
| 14211 S Coit Rd Suite I Dallas, TX 75254 | (972) 755-3472 | — | 5.0 |
| 3420 W Illinois Ave Ste 200A Dallas, TX 75211 | (214) 273-4450 | — | 5.0 |
| Inside El Rio Grande, 2515 W Jefferson Blvd Dallas, TX 75211 | (469) 804-0590 | — | 5.0 |
| Inside Fiesta Mart, 3460 Webb Chapel Ext Dallas, TX 75220 | (214) 210-7173 | — | 5.0 |
| 2550 Gus Thomasson Rd Dallas, TX 75228 | (469) 804-3659 | — | 4.9 |
| 2959 S Buckner Blvd Dallas, TX 75227 | (972) 755-3339 | — | 4.9 |
| 10325 Lake June Rd Ste 110 Dallas, TX 75217 | (469) 804-3746 | — | 4.8 |
| 9751 Webb Chapel Rd #700 Dallas, TX 75220 | (214) 273-4449 | — | 4.8 |
| Inside El Rancho, 2770 Valwood Pkwy Farmers Branch, TX 75234 | (972) 755-3473 | — | 4.8 |
| 2707 Buckner Blvd Dallas, TX 75227 | (469) 480-5889 | — | 4.9 |
| 3333 W Camp Wisdom Rd ste 126 Dallas, TX 75237 | (214) 943-3343 | — | 4.8 |
| 10201 Lake June Rd Dallas, TX 75217 | (972) 329-0006 | — | 4.9 |
| 1441-45 E Kiest Blvd Dallas, TX 75216 | (214) 371-0086 | — | 4.9 |
| 2601 S Hampton Rd Dallas, TX 75224 | (214) 330-4500 | — | 4.9 |
| 3706 W Northwest Hwy Dallas, TX 75220 | (214) 351-7097 | — | 4.8 |
| 10924 Garland Rd Dallas, TX 75218 | (214) 321-0273 | — | 5.0 |
| 1315 S Buckner Blvd Dallas, TX 75217 | (972) 728-9351 | — | 5.0 |
| 14039 Coit Rd Dallas, TX 75240 | (972) 773-8722 | — | 5.0 |
| 19021 Midway Rd Ste 400 Dallas, TX 75287 | (972) 862-2150 | — | 5.0 |
| 2506 S Buckner Blvd Ste 103 Dallas, TX 75227 | (214) 275-3969 | — | 5.0 |
| 2515 S Westmoreland Rd Dallas, TX 75211 | (972) 773-8219 | — | 5.0 |
| 3020 W Northwest Hwy Dallas, TX 75220 | (214) 351-0063 | — | 5.0 |
| 4109 W Camp Wisdom Rd Dallas, TX 75237 | (972) 709-7885 | — | 5.0 |
| 4129 W Jefferson Blvd Dallas, TX 75211 | (972) 707-5034 | — | 5.0 |
| 4848 Lemmon Ave Suite 104 Dallas, TX 75219 | (214) 414-0494 | — | 5.0 |
| 5026 Ross Ave Dallas, TX 75206 | (972) 581-1536 | — | 5.0 |
| 9147 Skillman St Ste 400 Dallas, TX 75243 | (214) 341-2551 | — | 5.0 |
| 610 E Jefferson Blvd Ste 130 Dallas, TX 75203 | (972) 728-0494 | — | 4.9 |
| 6521 E NW Hwy Dallas, TX 75231 | (972) 773-8728 | — | 4.9 |
| 10544 Walnut St #103 Dallas, TX 75243 | (214) 628-7635 | — | 3.4 |
Dallas at a glance
| Metric | Dallas | Texas | United States |
|---|---|---|---|
| Population | 1.4M | 29.6M | 332.3M |
| Median household income | $73,456 | $81,963 | $85,275 |
| Median rent | $1,413/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 32.8% | 31.6% | 31.6% |
| Homeownership | 46.2% | 63.8% | 65.4% |
| Poverty rate | 16.7% | 13.9% | 12.6% |
| Unemployment rate | 5.0% | 5.2% | 5.3% |
| Without health insurance | 22.4% | 17.3% | 8.6% |
| Veterans | 3.8% | 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 Dallas
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.7%
- Hours of work at the local median wage
- 3.6 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 Dallas: how to apply
Financial emergencies rarely wait for payday. For residents seeking quick funds in Dallas, we provide a connection to reputable, state-licensed lending partners.
Submit a request online without leaving your house, get a rapid lending decision and, if approved, see the cash in your account by the following business day.
Why Dallas residents use us
- Fast 5-minute request A browser-based request you finish without visiting a loan shop.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Loans within Texas limits Loan terms must comply with the Texas Credit Services Organization Act.
- Safe & confidential Information you submit is protected by encryption technology.
Notice for Dallas residents: Payday lending addresses immediate, one-time expenses instead of chronic debt issues. State regulations in Texas, specifically the Texas Credit Services Organization Act, dictate permissible loan caps, finance charges and rates. Inspect all repayment terms in your contract before agreeing to borrow.
Read more about borrowing in Dallas
Who runs payday stores in Dallas
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| TitleMax | 15 | 33% | 4.9 |
| ACE Cash Express | 9 | 20% | 4.8 |
| Oportun | 9 | 20% | 4.9 |
| Speedy Cash | 4 | 9% | 4.9 |
| Check 'n Go | 3 | 7% | 4.9 |
| Mariner Finance | 2 | 4% | 4.7 |
| OneMain Financial | 2 | 4% | 3.5 |
| Security Finance | 2 | 4% | 4.8 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Dallas in context
- Population rank in Texas
- 3rd
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 62nd
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 17.4%
- ▲ 2.4 pts vs TX
- Median home value
- $392,476
- ▲ 38% vs TX
- Home value to income
- 5.3×
- A $400 emergency expense
- 2.0 days
- of median household income
Local numbers for Dallas borrowers
With roughly 1,372,181 people in Dallas County, Dallas is among the biggest cities in Texas (No. 3 of 103). The median household income in Dallas is $73,456, 10% below the Texas median of $81,963; nationally the median is $85,275.
The typical rent in Dallas runs about $1,413 a month versus $1,384 statewide. At 32.8% of income, rent is a real but manageable share of the budget for many. 16.7% of residents live below the poverty line, above the Texas rate of 13.9%. 17.4% of households bring in less than $25,000. The jobless rate is about 5.0%, compared with 5.2% across Texas. With 22.4% of residents uninsured, medical bills are a common reason people look for short-term credit. About 46.2% of homes are owner-occupied, so 53.8% of households rent.
Repaying a $500 payday loan plus its $75 fee would use about 2.7% of a typical Dallas household's biweekly pay, or about 4 hours of work at the local median wage. Among nearby cities, Irving has the lowest median rent at $1,470. Frisco, close by, reports a median household income of $148,281. In Dallas we count 46 licensed loan storefronts, 15 credit unions, 380 bank branches and 70 pawn shops.
A typical home here is valued at about $392,476 (38% above the Texas median). That is about 5.3 times the median household income. The median individual income is $42,936. Many residents commute within the Dallas-Fort Worth-Arlington, TX metro area.
Dallas and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Dallas | 1,372,181 | $73,456 | $1,413 | 16.7% |
| Irving | 256,798 | $79,339 | $1,470 | 11.1% |
| Garland | 244,806 | $74,928 | $1,534 | 12.3% |
| Plano | 308,628 | $113,836 | $1,867 | 6.8% |
| Arlington | 399,411 | $78,705 | $1,584 | 13.1% |
Source: U.S. Census Bureau American Community Survey estimates.
Dallas 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 Dallas borrowers
What is the typical household income in Dallas?
Census estimates show a median household income of $73,456 and a median rent of $1,413 a month in Dallas.
Where can I borrow locally in Dallas?
Our directories list 46 licensed loan storefronts and 15 credit unions in Dallas, Texas. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do Dallas renters spend on housing?
Renters in Dallas spend about 32.8% of their income on housing, against a 30% affordability benchmark, and 16.7% of residents live below the poverty line (statewide: 13.9%).
What is the usual loan size for borrowers in Dallas?
Borrowers in Dallas often see offers between from $100 up to the Texas limit (No limit (CSO Model)), following Texas regulations. Your final approved sum is based on documented earnings, existing obligations and the lender's underwriting.
What is the timeline for receiving cash in Dallas once approved?
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.