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Payday Loans in Houston, TX: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Yes, payday loans are legal in Houston. Licensed lenders operate across the city under the Texas Credit Services Organization Act, though there is no state limit on how much you can borrow. With a median household income of $69,860 and median rent at $1,340, many Houston families have room in the budget. Still, 18.6% of residents live below the poverty line, and emergencies hit when cash is thin.
If you borrow $300 for 14 days, a typical fee is $45. You'd repay $345 total, which works out to an example APR of 391%. That's one scenario. Another common pattern in Texas shows APRs around 662% or higher, because the state does not cap fees. Houston has local ordinances that may limit costs, but rules vary by city block. With 150 storefronts in town, including major chains like ACE Cash Express and TitleMax, options are everywhere. The key is knowing exactly what you'll owe before you sign.
Harris County · Houston-Pasadena-The Woodlands, TX metro area
Houston 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 Houston
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 Houston
- 2.8%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Houston, TX
Licensed storefront lenders in Houston 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 |
|---|---|---|---|
| 9150 S Main St Ste H-2 Houston, TX 77025 | (346) 200-8066 | — | 4.9 |
| 15948 S Post Oak Rd Ste J Houston, TX 77053 | (281) 416-8462 | — | 5.0 |
| 7542 W Bellfort Ave Houston, TX 77071 | (713) 270-4810 | — | 5.0 |
| 10804 S Post Oak Rd Ste 350 Houston, TX 77035 | (713) 283-5441 | — | 4.9 |
| 10994 Fuqua St Ste B Houston, TX 77089 | (281) 484-7711 | — | 4.9 |
| 12331 Fondren Rd Houston, TX 77035 | (713) 723-2919 | — | 4.9 |
| 13315 East Fwy Houston, TX 77015 | (713) 450-9793 | — | 4.9 |
| 13509 Northwest Fwy Houston, TX 77040 | (713) 690-2274 | — | 4.9 |
| 13640 Tomball Pkwy Houston, TX 77086 | (281) 591-6671 | — | 4.9 |
| 1414 Gessner Rd Houston, TX 77080 | (713) 461-2194 | — | 4.9 |
| 14708 Hiram Clarke Rd C Houston, TX 77053 | (713) 434-9992 | — | 4.9 |
| 16257 FM 529 Houston, TX 77095 | (281) 463-4691 | — | 4.9 |
| 203 W Greens Rd Houston, TX 77067 | (281) 875-3223 | — | 4.9 |
| 2838 Hwy 6 C Houston, TX 77082 | (281) 752-9160 | — | 4.9 |
| 4507 FM 1960 W Houston, TX 77069 | (281) 444-2714 | — | 4.9 |
| 5510 Bellaire Blvd B Houston, TX 77081 | (713) 666-7384 | — | 4.9 |
| 622 W Little York Rd Houston, TX 77091 | (713) 691-2182 | — | 4.9 |
| 6408 Martin Luther King Blvd Houston, TX 77033 | (713) 264-6516 | — | 4.9 |
| 6464 W Little York Rd A Houston, TX 77091 | (713) 466-0198 | — | 4.9 |
| 6883 S Gessner Rd Houston, TX 77036 | (713) 271-5938 | — | 4.9 |
| 810 Cypress Creek Pkwy Houston, TX 77090 | (281) 893-6228 | — | 4.9 |
| 8304 Broadway St Houston, TX 77061 | (713) 641-2274 | — | 4.9 |
| 8625 Mesa Dr Houston, TX 77028 | (713) 635-4712 | — | 4.9 |
| 9201 Cullen Blvd Houston, TX 77051 | (713) 733-2274 | — | 4.9 |
| 928 E Tidwell Rd Houston, TX 77022 | (713) 691-9066 | — | 4.9 |
| 9415 Jensen Dr Houston, TX 77093 | (713) 695-4760 | — | 4.9 |
| 9539 S Main St Houston, TX 77025 | (713) 665-2262 | — | 4.9 |
| 9819 Bissonnet St V Houston, TX 77036 | (713) 773-9033 | — | 4.9 |
| 10959 Cypress Creek Pkwy E Houston, TX 77070 | (832) 912-1794 | — | 4.8 |
| 11401 North Fwy Houston, TX 77060 | (281) 999-2060 | — | 4.8 |
| 11840 Westheimer Rd Houston, TX 77077 | (281) 584-9823 | — | 4.8 |
| 1303 W 11th St Houston, TX 77008 | (713) 880-1280 | — | 4.8 |
| 13548 Beechnut St Ste 200 Houston, TX 77083 | (281) 575-7969 | — | 4.8 |
| 1734 W Mt Houston Rd Houston, TX 77038 | (281) 448-7668 | — | 4.8 |
| 2533 Southmore Blvd a Houston, TX 77004 | (713) 520-0655 | — | 4.8 |
| 2815 Collingsworth St Houston, TX 77026 | (713) 223-0693 | — | 4.8 |
| 4502 Griggs Rd A Houston, TX 77021 | (713) 741-6162 | — | 4.8 |
| 9 Uvalde Rd #3 Houston, TX 77015 | (713) 451-6400 | — | 4.8 |
| 9535 Westheimer Rd Houston, TX 77063 | (713) 783-1190 | — | 4.8 |
| 2001 Fannin St Houston, TX 77002 | (713) 654-8087 | — | 4.7 |
| 4607 Hwy 6 N Houston, TX 77084 | (281) 861-7336 | — | 4.7 |
| 10511 Eastex Freeway, #200 Houston, TX 77093 | (713) 691-3462 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 10870 FM 1960 Rd. W Houston, TX 77070 | (281) 477-8741 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 12430 Tomball Pkwy, Ste. C Houston, TX 77086 | (281) 272-6734 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 13139 Veterans Memorial Dr. Houston, TX 77014 | (281) 893-5360 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 14658 Woodforest Blvd. Houston, TX 77015 | (713) 451-7002 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 2348 Fry Rd. Houston, TX 77084 | (281) 398-6775 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2902 N. Shepherd Dr., Unit G Houston, TX 77008 | (713) 861-0748 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 453 Uvalde Rd. Houston, TX 77015 | (713) 330-8207 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
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| 6824 Highway 6 S., Ste. E3 Houston, TX 77083 | (281) 983-5365 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 7580-A West Bellfort Rd. Houston, TX 77071 | (713) 270-0479 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 8574 Westheimer Rd. Houston, TX 77063 | (713) 532-4175 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 9281 S. Main St. Houston, TX 77025 | (832) 778-1346 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 991 East Nasa Pkwy Houston, TX 77058 | (281) 990-6630 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 7012 Woodridge Dr Houston, TX 77087 | (713) 649-6800 | — | 4.3 |
| 19734 Tomball Pkwy Houston, TX 77070 | (281) 477-7282 | — | 5.0 |
| 12626 Woodforest Blvd Ste A Houston, TX 77015 | (713) 637-8105 | — | 4.9 |
| 13706 East Fwy Ste 300 Houston, TX 77015 | (713) 455-3180 | — | 4.9 |
| 9319 S Texas 6 # B Houston, TX 77083 | (281) 568-1770 | — | 4.9 |
| 12100D Veterans Memorial Dr Houston, TX 77067 | (281) 440-0701 | — | 5.0 |
| 16151 Cairnway Dr Ste 104 Houston, TX 77084 | (281) 550-9923 | — | 5.0 |
| 6606 Lawndale St Suite 300 Houston, TX 77023 | (713) 924-3000 | — | 5.0 |
| 12777 Jones Rd #175 Houston, TX 77070 | (281) 970-6642 | — | 4.9 |
| 6348 Telephone Rd Houston, TX 77087 | (713) 641-4530 | — | 4.9 |
| 8409-A Hillcroft Ave Houston, TX 77096 | (713) 995-8318 | — | 4.9 |
| 5050 Westheimer Rd #140 Houston, TX 77056 | (713) 395-6900 | — | 3.8 |
| 12804 Gulf Fwy Ste. 800 Houston, TX 77034 | (346) 229-2377 | — | 4.8 |
| 22501 Tomball Pkwy Ste. 100 Houston, TX 77070 | (281) 378-3127 | — | 4.8 |
| 2660 Eldridge Pkwy Ste. A Houston, TX 77082 | (281) 914-4343 | — | 4.7 |
| 13740 East Fwy E Houston, TX 77015 | (346) 237-9025 | — | 4.9 |
| 13837 Breck St E Houston, TX 77066 | (281) 893-4654 | — | 4.2 |
| 5815 Gulf Fwy Ste B350 Houston, TX 77023 | (713) 928-6825 | — | 4.2 |
| 13720 Northwest Fwy Houston, TX 77040 | (713) 460-4954 | — | 4.0 |
| 15757 FM 529 B Houston, TX 77095 | (281) 856-8485 | — | 3.9 |
| 11807 Westheimer Rd Ste 570 Houston, TX 77077 | (281) 556-1955 | — | 3.8 |
| 11550 Fuqua St Ste 355 Houston, TX 77034 | (281) 991-8989 | — | 3.7 |
| 17375 Tomball Pkwy #2J Houston, TX 77064 | (281) 477-9034 | — | 3.4 |
| 5757 Westheimer Rd #104 Houston, TX 77057 | (713) 369-3108 | — | 3.1 |
| 14405 Bellaire Blvd Houston, TX 77083 | (346) 444-9941 | — | 5.0 |
| 4978 Hwy 6 N Houston, TX 77084 | (713) 401-2657 | — | 5.0 |
| 5316 Airline Dr Ste A Houston, TX 77022 | (346) 216-4362 | — | 5.0 |
| 6040 S Gessner Rd Houston, TX 77036 | (346) 216-4373 | — | 5.0 |
| 10915 East Fwy Ste A Houston, TX 77029 | (713) 401-2519 | — | 4.9 |
| 11206 Airline Dr Houston, TX 77037 | (281) 542-3543 | — | 4.9 |
| 11210 North Fwy Houston, TX 77037 | (281) 203-0419 | — | 4.9 |
| 13765 TX-249 Houston, TX 77086 | (346) 444-9942 | — | 4.9 |
| 1517 Gessner Rd Houston, TX 77043 | (281) 542-3724 | — | 4.9 |
| 1811 Wirt Road, Suite A, Long Point Rd Center Houston, TX 77055 | (832) 610-3090 | — | 4.9 |
| 2859 S Richey St Houston, TX 77017 | (346) 216-4371 | — | 4.9 |
| 3341 Telephone Rd Houston, TX 77023 | (832) 610-3272 | — | 4.9 |
| 800 S Wayside Dr Houston, TX 77023 | (832) 610-3067 | — | 4.9 |
| 9979 Beechnut St Houston, TX 77036 | (281) 547-7889 | — | 4.9 |
| Inside DolEx, 12267 Veterans Memorial Dr Houston, TX 77067 | (866) 488-6090 | — | 4.9 |
| Inside Fiesta Mart, 10401 Jensen Dr Houston, TX 77093 | (832) 610-3068 | — | 4.9 |
| Inside Vallarta, 5716 Bellaire Blvd Houston, TX 77081 | (832) 610-3089 | — | 4.9 |
| Plaza Americas, 7584 Bellaire Blvd Houston, TX 77036 | (713) 369-2730 | — | 4.9 |
| 8503 Gulf Fwy Ste D Houston, TX 77017 | (713) 921-6058 | — | 4.9 |
| 10884 W Bellfort Ave Houston, TX 77099 | (281) 575-0137 | — | 5.0 |
| 11830 Bellaire Blvd Ste A Houston, TX 77072 | (281) 575-6607 | — | 5.0 |
| 3802 S Gessner Rd Ste 100 Houston, TX 77063 | (713) 789-0213 | — | 5.0 |
| 8569 Long Point Rd Houston, TX 77055 | (713) 461-8910 | — | 5.0 |
| 8602 S Braeswood Blvd Houston, TX 77031 | (713) 772-2774 | — | 5.0 |
| 1160 Edgebrook Dr Houston, TX 77034 | (713) 910-4338 | — | 4.9 |
| 13482 Northwest Fwy #100 Houston, TX 77040 | (713) 460-4995 | — | 4.9 |
| 5506 Bellaire Blvd A Houston, TX 77081 | (713) 666-2627 | — | 4.9 |
| 6902 Harrisburg Blvd Houston, TX 77011 | (713) 928-2274 | — | 4.9 |
| 7434 Airline Dr Houston, TX 77076 | (713) 884-8347 | — | 4.9 |
| 883 Federal Rd Ste A Houston, TX 77015 | (713) 451-1669 | — | 4.9 |
| 8531 Gulf Fwy Houston, TX 77017 | (713) 643-9005 | — | 5.0 |
| 10705 Market St Ste f Houston, TX 77029 | (713) 672-5100 | — | 4.9 |
| 1955 Gessner Rd Houston, TX 77080 | (713) 468-9206 | — | 4.9 |
| 6846 Antoine Dr Houston, TX 77091 | (832) 260-0210 | — | 4.9 |
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Texas Car Title and Payday Loan Services
5 stores in Houston
texascartitleandpaydayloanservicesinc.com
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| 12817 Aldine Westfield Rd Houston, TX 77039 | (281) 227-7600 | — | 4.9 |
| 428 Uvalde Rd Houston, TX 77015 | (713) 453-2597 | — | 4.9 |
| 821 FM 1960 W Houston, TX 77090 | (281) 444-9997 | — | 4.9 |
| 2206 N Fry Rd Houston, TX 77084 | (281) 646-1491 | — | 4.8 |
| 9478 S Texas 6 Houston, TX 77083 | (281) 776-9900 | — | 4.5 |
| 10232 S Post Oak Rd Houston, TX 77096 | (713) 721-2665 | — | 5.0 |
| 10610 FM 1960 W Houston, TX 77070 | (281) 469-1461 | — | 5.0 |
| 10701 Market St Jacinto City, TX 77029 | (713) 360-4994 | — | 5.0 |
| 10881 Bissonnet St Houston, TX 77099 | (832) 775-0083 | — | 5.0 |
| 11310 North Fwy Houston, TX 77037 | (281) 591-7855 | — | 5.0 |
| 11550 Gulf Fwy Ste G Houston, TX 77034 | (713) 401-3030 | — | 5.0 |
| 12015 Murphy Rd Houston, TX 77031 | (281) 933-8687 | — | 5.0 |
| 12298 Veterans Memorial Dr Houston, TX 77067 | (281) 377-2330 | — | 5.0 |
| 12899 Westheimer Rd Ste B Houston, TX 77077 | (832) 775-0146 | — | 5.0 |
| 1401 Gessner Rd Ste B Houston, TX 77080 | (713) 338-8465 | — | 5.0 |
| 1421 W 11th St Houston, TX 77008 | (281) 661-4644 | — | 5.0 |
| 2120 S Wayside Dr Houston, TX 77023 | (713) 239-1965 | — | 5.0 |
| 3517 Little York Rd Unit 6 Houston, TX 77093 | (281) 810-4395 | — | 5.0 |
| 3610 Hillcroft St Houston, TX 77063 | (713) 425-0403 | — | 5.0 |
| 4502 Griggs Rd Houston, TX 77021 | (713) 338-8200 | — | 5.0 |
| 474 Uvalde Rd Houston, TX 77015 | (713) 453-1544 | — | 5.0 |
| 4950 FM 1960 W Ste E1A Houston, TX 77069 | (281) 586-6009 | — | 5.0 |
| 5248 Aldine Mail Rte Rd Houston, TX 77039 | (281) 227-0037 | — | 5.0 |
| 5521 Hwy 6 N Houston, TX 77084 | (281) 946-1009 | — | 5.0 |
| 5603 Telephone Rd Houston, TX 77087 | (713) 360-3391 | — | 5.0 |
| 6221 Bellaire Blvd Houston, TX 77081 | (713) 239-1851 | — | 5.0 |
| 6320 Lyons Ave Houston, TX 77020 | (281) 466-4912 | — | 5.0 |
| 71 Uvalde Rd Houston, TX 77015 | (713) 330-4113 | — | 5.0 |
| 7270 Antoine Dr Ste 200 Houston, TX 77088 | (281) 591-7079 | — | 5.0 |
| 7640 S Texas 6 Houston, TX 77083 | (281) 668-2927 | — | 5.0 |
| 7730 W Bellfort Ave Houston, TX 77071 | (713) 343-4404 | — | 5.0 |
| 7902 Long Point Rd Ste B Houston, TX 77055 | (832) 390-3523 | — | 5.0 |
| 801 S 75th St Houston, TX 77023 | (713) 343-3540 | — | 5.0 |
| 8197 Antoine Dr Houston, TX 77088 | (281) 931-4910 | — | 5.0 |
| 8400 S Gessner Rd Houston, TX 77074 | (713) 343-1726 | — | 5.0 |
| 9919 North Fwy Ste 110 Houston, TX 77037 | (281) 820-7938 | — | 5.0 |
| 992 FM 1960 W Houston, TX 77090 | (281) 444-4526 | — | 5.0 |
| 5326 Airline Dr Houston, TX 77022 | (713) 425-0407 | — | 4.9 |
Houston at a glance
| Metric | Houston | Texas | United States |
|---|---|---|---|
| Population | 3.2M | 29.6M | 332.3M |
| Median household income | $69,860 | $81,963 | $85,275 |
| Median rent | $1,340/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 33.6% | 31.6% | 31.6% |
| Homeownership | 49.8% | 63.8% | 65.4% |
| Poverty rate | 18.6% | 13.9% | 12.6% |
| Unemployment rate | 6.8% | 5.2% | 5.3% |
| Without health insurance | 23.7% | 17.3% | 8.6% |
| Veterans | 3.6% | 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 Houston
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.8%
- Hours of work at the local median wage
- 4.0 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 Houston: how to apply
Unplanned costs can catch any household off guard. Whenever you require fast funding in Houston, our network helps match you with dependable, state-licensed lenders.
Fill out the web form from your computer or phone, learn the outcome quickly and, once approved, have the loan sent to your bank as soon as tomorrow's business day.
Why Houston residents use us
- Fast 5-minute request An online submission process free of in-person store visits.
- Bad credit considered Participating lenders weigh your regular earnings rather than relying solely on credit scores.
- Loans within Texas limits Every contract offered must adhere to rules set by the Texas Credit Services Organization Act.
- Safe & confidential Your data moves through a secure, encrypted channel.
Notice for Houston residents: Use payday loans only for brief emergencies rather than repeated financial relief. In Texas, allowable fees, interest rates and principal amounts are regulated by the Texas Credit Services Organization Act. Review the entire disclosure and contract thoroughly before adding your signature.
Read more about borrowing in Houston
Who runs payday stores in Houston
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| ACE Cash Express | 40 | 27% | 4.9 |
| TitleMax | 33 | 22% | 5.0 |
| Oportun | 18 | 12% | 4.9 |
| Advance America | 13 | 9% | — |
| Speedy Cash | 11 | 7% | 4.9 |
| OneMain Financial | 9 | 6% | 3.9 |
| Check 'n Go | 6 | 4% | 5.0 |
| Texas Car Title and Payday Loan Services | 5 | 3% | 4.8 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Houston in context
- Population rank in Texas
- 1st
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 68th
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 18.1%
- ▲ 3.1 pts vs TX
- Median home value
- $292,345
- ▲ 3% vs TX
- Home value to income
- 4.2×
- A $400 emergency expense
- 2.1 days
- of median household income
Local numbers for Houston borrowers
Houston in Harris County is home to about 3,206,570 residents, Texas's most populous city on this site. The median household income in Houston is $69,860, well under the Texas figure of $81,963; nationally the median is $85,275.
The median home value is $292,345 (3% above the Texas median). Home prices run roughly 4.2× annual household income. Individual earners take home a median of $38,704 a year. Houston is part of the Houston-Pasadena-The Woodlands, TX metro area.
Median rent in Houston is $1,340 a month versus $1,384 statewide. Renters put roughly 33.6% of income toward housing. 18.6% of residents live below the poverty line, above the Texas rate of 13.9%. Roughly 18.1% of households earn under $25,000 a year. The jobless rate is about 6.8%, compared with 5.2% across Texas. 23.7% of residents have no health insurance, so an unexpected medical bill is a real risk. About 49.8% of homes are owner-occupied, so 50.2% of households rent.
A $500 payday loan with a $75 fee would take 2.8% of a typical two-week paycheck in Houston, or about 4 hours of work at the local median wage. Among nearby cities, Spring has the lowest median rent at $1,737. Households in Cypress earn a median of $128,399, 84% more. In Houston we count 150 licensed loan storefronts, 44 credit unions, 612 bank branches and 192 pawn shops.
Houston and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Houston | 3,206,570 | $69,860 | $1,340 | 18.6% |
| Cypress | 208,149 | $128,399 | $1,803 | 5.5% |
| Richmond | 212,334 | $114,402 | $1,893 | 6.3% |
| Katy | 395,745 | $114,756 | $1,859 | 8.7% |
| Spring | 424,945 | $118,765 | $1,737 | 7.2% |
Source: U.S. Census Bureau American Community Survey estimates.
Houston 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 Houston borrowers
What is the typical household income in Houston?
Census estimates show a median household income of $69,860 and a median rent of $1,340 a month in Houston.
Where can I borrow locally in Houston?
Our directories list 150 licensed loan storefronts and 44 credit unions in Houston, Texas. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do Houston renters spend on housing?
Renters in Houston spend about 33.6% of their income on housing, against a 30% affordability benchmark, and 18.6% of residents live below the poverty line (statewide: 13.9%).
What is the typical borrowing range for a loan in Houston?
Borrowers in Houston 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 are the basic rules to qualify for a loan in Houston?
To qualify, you must:
- At minimum, you must be 18 years old.
- Your address should be in Houston or the surrounding Texas region.
- Keep an active checking account under your own name.
- Provide documents that prove you get monthly income from a job, benefits or ongoing deposits.