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Payday Loans in Texas: Compare Alternatives First

Feb. 4, 2019
Loans, Payday Loans
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A payday loan isn’t your only option when you need fast cash. Texas residents can access local and regional resources, including financial assistance and small loans, to help cover emergency expenses from utilities to medical bills.

Here are alternatives to online and storefront payday loans in Texas. NerdWallet recommends contacting the organizations listed below to see if you qualify for assistance.

Name of organizationService providedHow you can use the serviceAmount providedContact information
Assistance Center of Collin CountyAssistanceUtilities, rent, general financial healthVaries972-422-1850
Big Bend Community Action Committee

AssistanceUtilitiesVaries432-729-4908
Central Texas OpportunitiesAssistanceUtilities$1,000 to $1,200325-625-4167
Christian Assistance MinistryAssistanceUtilities, healthcareVaries210-223-4099
Texas Health and Human ServicesAssistanceNo restrictionsVaries2-1-1
Community Loan Center of the Rio Grande ValleyLoanNo restrictions$400 to $1,000956-356-6600
GRACEAssistanceEmergencyVaries817-488-7009
Good Samaritan Ministries Brown CountyAssistanceUtilitiesVaries432-729-4908
Gulf Coast Community Services AssociationAssistanceRent, transport, utilitiesVaries713-393-4700
Hebrew Free Loan Association of San AntonioLoanNo restrictionsUp to $6,000210-736-4352
Hill Country Community Action AssociationAssistanceUtilitiesVaries432-729-4908
Irving Cares, Inc.AssistanceEmergencyVaries972-721-9181
Mansfield Mission CenterAssistanceEmergencyVaries817-473-6650
Mesquite Social Services Inc.AssistanceRent, utilitiesVaries972-285-3000
Metrocrest ServicesAssistanceEmergencyVaries972-446-2100
Panhandle Community ServicesAssistanceTransport, utilities,Varies806-372-2531
Salvation Army DFWAssistanceHomelessnessVaries214-637-8100
Sharing Life Community OutreachAssistanceUtilitiesVaries972-285-5819
West Houston Assistance MinistriesAssistanceUtilities, rentVaries713-977-9942

» MORE: Payday alternatives in all 50 states

Additional options to consider

If local resources aren’t available to you, there are other options when you need money. Take our quiz to explore these alternatives:

What to know about payday loans in Texas

If you’ve weighed alternatives and still want a payday loan, know that the payday loan industry in Texas is far less regulated than in other states. There are local ordinances in some cities that restrict lending practices, but state-level legislation has failed in recent years.

  • Consumers in Texas get payday loans from entities called credit access businesses, which are essentially brokers between borrowers and unlicensed third-party lenders.
  • At the state level, there is no maximum amount you can borrow.
  • The maximum interest paid to the third-party lender is 10%, but rates and fees charged by the payday lender aren’t capped.

More on payday loans and alternatives

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