Payday Loans in Texas

Steps

1. Submit one request through LendUp or contact a licensed credit access business directly.
2. Gather what you'll need: government-issued ID, proof of income, and your bank account details for repayment.
3. Confirm the provider holds a current Texas CAB license before sharing sensitive information (see Verify a Lender below).
4. Review the offer carefully - check the total fee (listed as "finance charge" on paperwork), the exact due date, and how the lender will collect repayment before you sign.

What to expect

• Bad credit: Many Texas CABs do not use traditional credit checks - income and bank account verification are more common gates.
• Credit check: Some lenders may pull a soft or alternative-data check; ask before applying if this matters to you.
• Two documents: Because of Texas's CAB structure, you will sign both a promissory note with the third-party lender and a credit services agreement with the CAB - review both before signing.
• Timing: Funding depends on the lender and your bank; do not count on same-day deposit unless your offer explicitly states it.
• Repayment: The lender will typically collect via automatic withdrawal on the due date - plan ahead to avoid overdraft fees if your balance may be short.

Before you apply, confirm the company holds a current Texas credit access business (CAB) license issued by the Office of Consumer Credit Commissioner (OCCC).

Texas CAB license lookup - OCCC ALECS (official)

1. Go to the ALECS Advanced Search page linked above - no login is required to search.
2. Enter the business name exactly as shown on the website, storefront sign, or contract into the "Business Name" field, then select Credit Access Business from the license type dropdown.
3. Click Search and locate the matching record. Confirm the license status reads Active.
4. Match the address and phone number on the ALECS listing to the contact information on your offer or storefront.
5. If you cannot find the company or the status is not Active, do not proceed - contact the OCCC before sharing any personal information.

To report a problem or file a complaint, contact the OCCC complaint page directly. LendUp only connects you with providers; verify any lender independently before submitting a full application.

Your rights in Texas

• You must receive a written cost disclosure - including the total fee and repayment schedule - before you sign any agreement.
• The CAB is required to post its license and a fee schedule at every location (and on its website for online lenders).
• You may cancel the loan (rescission) by returning the full loan amount to the CAB by the close of business on the next day the CAB is open after you signed - confirm the exact deadline in your paperwork.
• If you cannot repay on time, you may request a repayment plan (sometimes called a "workout agreement") - ask the CAB before the due date; confirm whether your lender is required to offer one under any applicable local ordinance.
• If a lender is not properly licensed as a Texas CAB, confirm your rights with the OCCC before making any payments.

Walk away if

• An upfront fee is required before you can receive your funds.
• The contract does not clearly show the total fee (finance charge) and the exact due date.
• The company cannot show a current Texas CAB license or does not appear as Active in the OCCC ALECS lookup.
• You are pressured to sign before you have read both the promissory note and the credit services agreement in full.
• The repayment method or amount differs from what was disclosed in the written agreement.

Before accepting any offer, review Texas rates & fees, explore alternatives, and check our scams and safety guide for additional red flags.