Payday Loans in Texas

At a Glance
  • Nickname: The Lone Star State
  • Population: 28.7 Million
  • Capital: Austin
  • Website:

If you remember the song that goes “the stars and stripes are big and bright, deep in the heart of Texas!” you already know that Texas is one proud state. While many states continue to struggle with high rates of poverty, the Lone Star State has seen marked improvements since 2008. In fact, the Texas poverty rate fell from 17.2% in 2014 to 14.7% in 2018. On top of a falling poverty rate, Texas has—as of September 2019—successfully lowered their unemployment rate to 3.4%, which is just below the national unemployment rate of 3.5%.

Unfortunately, though, many Texans are still struggling with debt and are having a hard time making ends meet. The 2018 Texas median household income was $60,629, and the average credit card debt was $6,611.

Average Credit Card Debt and Median Household Income in Texas vs. the U.S.
Average Credit Card Debt (Q1 2019)
Median Household Income (2018)

Payday Loans in Texas

Reporting by the Texas Observer states that at least 1,700 payday lenders have “filed criminal complaints against customers in San Antonio, Houston and Amarillo”, and some borrowers have even ended up in jail for non-payment (even though criminal prosecution for debt non-payment is not supposed to happen in Texas). According to Texas Appleseed, a non-profit in Texas that fights to “promote social and economic justice for all Texans”, 13 different payday loan companies were working to criminally charge its non-paying borrowers in 8 different counties (as of December 2014). So, it’s really important to think twice before borrowing a payday loan in Texas.


According to 2012 data from the Consumer Financial Protection Bureau, Texans tend to borrow higher amounts of money and pay significantly more in fees for payday loans than folks living in other U.S. states ($468 vs. $392, respectively, for an average loan; $22.85 vs. $14.40, respectively, in fees).

Consumer Protection in Texas

How to Report a Predatory Lender in Texas

For assistance in Texas with payday loan or title loan problems, consumers can contact the Texas Office of Consumer Credit Commissioner by calling their hotline at (512) 936-7630 or by emailing It is important not to let scammers or predatory lenders take advantage of you—reach out and get help.

The Texas Office of Consumer Credit Commissioner

Guides to Payday Loans in Texas Cities

Check out these payday loan guides for the following cities in Texas…

Arlington | Austin | Dallas | El Paso | Fort Worth | Houston | Irving | Killeen | McAllen | Plano | Round Rock | San Antonio | Tyler | Waco