Texas Payday Loans up to $3,000

At Speedy Cash, we understand that cash emergencies come up when you least expect them. Texas payday loans - also known as cash advance loans - are designed to give you the quick cash you need in emergency situations. Speedy Cash is committed to making your loan experience as easy, fast and friendly as possible.

Payday Loans Near Me

Find a Speedy Cash location near you.

How Do Texas Payday Loans Work?

1. Apply

In just minutes, you can apply for a payday loan online or at a Speedy Cash location.

2. Receive Your Lending Decision

Once your application is submitted, receive a fast lending decision from the lender.

3. Get Cash

If approved, select how much you would like to borrow up to your approved credit limit.

4. Make Periodic CAB Fee Payments

Keep your loan in good standing by making CAB fee payments periodically.

5. Pay Off Loan & Interest

Your loan interest and loan repayment are due at the end of your loan term.

Speedy Cash Reviews

"My experience with Speedy Cash has been a very good one!!"

- Veda W. of Austin, TX

"Speedy Cash is the BEST pay day lender out there. Always fast and friendly customer service, never any long lines. They make getting a loan super easy!!!"

- Erin A. of Mesquite, TX

"The customer service is outstanding!"

- Dawn A. of Dallas, TX

Actual customer testimonials

Why Choose Speedy Cash?

When you need a cash advance loan, we understand that you may not have a lot of time. Here are just a few advantages you can expect to experience when you choose Speedy Cash.

Fast Lending Decision

Receive a fast decision on your Texas loan application, whether you choose to apply online or at one of our payday loan stores.

Clear Terms & Conditions

Borrowers are provided with clear terms and conditions. When you apply for a loan at Speedy Cash, you'll know exactly what you're getting.

Call, Click or Come In

You choose how to apply and manage your loan. Visit one of our payday loan stores, visit us online, or call our U.S.-based Contact Center.


Get a Payday Loan Fast!

Apply in just minutes and receive an fast lending decision.

Payday Loan Repayment

Payday Loan Repayment

Think that a Texas payday loan is the short-term financial product for your cash needs? While quick cash could help you get out of a financial rut, start thinking of how you plan to repay your payday loan. In fact, part of being a responsible borrower is having a repayment strategy prepared before you apply for a Texas payday loan.

Speedy Cash operates as a Credit Access Business (CAB) in the state of Texas. Since we operate as a CAB, a periodic CAB fee is charged, and the loan principal and interest are due at the end of the 6-month term.

Click here to learn more about Texas payday loan fees.

Texas Payday Loan Questions

Valid ID

Open and active checking account information

Proof of income

Working telephone number

A: With a payday loan, you could receive up to $3,000 in stores or up to $1,500 online.

A: A traditional payday loan is typically paid back in full on your next pay day. However, Texas payday loans differ from a traditional payday loan in that you can take several months to pay back your loan. In the State of Texas, payday lenders do not directly fund your loan and the actual lender is an unaffiliated third party. Speedy Cash still services your loan from application to repayment, and can answer any questions you may have about your loan, but we do not fund the loan. Speedy Cash assists consumers in applying for a cash advance from an unaffiliated Third Party Lender.

A: In Texas, Speedy Cash is a Credit Access Business - or CAB. Because of this arrangement CAB fees are charged to the borrower. Payment of the periodic CAB fees keep your loan in good standing.

A: CAB fees vary based on where you choose to apply for your loan and how much money you borrow. For additional details, our Texas payday loan rates and terms. In addition to the CAB fees, you will also be charged lender interest of 10%. This interest will be due on your loan due date along with your loan principal and final CAB fee; while periodic CAB fees will need to be paid throughout the duration of your loan to keep your account in good standing.

Speedy Cash in Texas

Whether you live in Arlington, Austin, Houston, McAllen, or close to a beautiful Corpus Christi beach, you can count on more than 70 Texas Speedy Cash locations for your various financial needs. Speedy Cash stores are located all throughout the state of Texas so that our knowledgeable staff is only a quick visit away. What if a Speedy Cash store is not located in your city? Apply for a payday loan online and you could have cash as soon as the next business day! If you’d like to apply for a payday loan online and pick up your cash at the nearest Speedy Cash location, that works too!

Have more questions?

Visit our FAQ page.

Customer Notice:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

New Mexico: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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