Cash Advance and Payday Loans in Austin, TX.

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Payday loans have unique and relatively strict regulations in Austin, TX. As a result, consumers hoping to get fast funding may not know how to apply and which lenders are trustworthy. That said, let’s have a look at how cash advances and payday loans work in Austin and some of the options you can consider.

Advantages of Taking out Payday Loan in Austin

Financial emergencies can occur anytime, and some people in Austin may not always have sufficient funds at hand to deal with them. Payday loans and cash advances are practical ways to obtain easy and quick funding for Texans. These are the biggest advantages of payday loans and cash advances:

  • Fast.
  • The application process for payday loans and cash advances is generally fast. Once you apply, the lender will go over your documents, and if approved, you may see your money in our bank account in as little as one business day.
  • Convenient.
  • When in need of fast cash, not all applicants may have the time to go to a physical store for a loan. That’s why many lending companies in Austin offer online services, where you can apply and receive a decision from the comfort of your home.
  • Flexible.
  • Even though the lender must check your credit score, some financers may still be willing to work with applicants who have damaged credit scores. These lenders may consider income and credit when determining eligibility.

How to Get a Cash Advance and Payday Loan in Austin?

To obtain a payday loan for financial emergencies in Austin, you need to turn to a registered lender. You can begin your loan request by submitting an online application through the lender’s official website. If you’re approved, you may receive the funds in as little as one business day.

Cash Advance and Payday Loans Requirements

Payday loan and cash advance lenders in Austin require applicants to:

  • Be 18 or older
  • Be a U.S. citizen or a permanent resident of Texas
  • Have proof of steady income from a job or other verifiable sources
  • Have a valid bank account

Additionally, the applicants will be asked to provide the following information:

Costs and Regulations of Cash Advance and Payday Loans in Austin, TX

Payday loans and cash advances are legal in Texas, but authorities in Austin regulate them at both state and city levels. For example, in Austin, payday loans cannot exceed 20% of the borrower’s monthly income.

The City of Austin does not limit the amount of fees and interest charged by lenders. However, standard APR is usually around 400%. Texas law sets the loan term between seven days and 180 days. Additionally, lenders cannot roll over or refinance the loan more than three times.

Installment Loans in Austin

If you want to borrow more money, you may opt for installment loans instead. Installment loans typically offer borrowers larger sums and longer repayment terms. Consider the following regulations for installment loans in Austin, TX:

  • Applicants can request between $1,000 and $5,000
  • The minimum APR is 6.63%
  • The loan term ranges between 90 days and 36 months

Requesting Title Loans in Austin

Austin residents have the opportunity to offer their cars as collateral for a title loan. However, the city council has certain rules and regulations on car title loans that it heavily oversees.

  • A title loan cannot exceed 3% of the applicant’s gross annual income or 70% of the retail value of the car
  • A single term for title loans can reach up to 180 days
  • The average APR is around 120%

It is important to note that the lender will retain your vehicle’s title until the loan is fully repaid. As a result, if you default on the loan, the lender may sell the vehicle to recoup the loan cost. Therefore, it is important to thoroughly review your finances to determine whether you can afford a title loan in Austin.

Our Favorite Austin, TX, Cash Advance, and Payday Loan Companies

There are many payday loan and cash advance lenders in Austin, all with different terms and conditions. Here are a few companies to consider:

Speedy Cash

Speedy Cash has 14 locations around Austin and offers payday loans and installment loans of up to $3,000 and title loans of up to $25,000. Standard APR ranges from 100% to 500% but may vary depending on your credit score, income, and city ordinances. It is also possible to apply for Speedy Cash loans through their website.

Advance America

Advance America offers payday loans of $100 to $1,800, installment loans of $200 to $2,500, and title loans. The company has four locations in Austin, but you can apply for their loan products online, too. Additionally, Advance America also offers Western Union services and prepaid VISA cards.

Check ‘n Go

Check ‘n Go has serviced over 50 million loans since 1994. Additionally, the lender has high ratings from Trustpilot and the Better Business Bureau. The company has five locations throughout Austin. Check ‘n Go offers payday loans, installment loans, check cashing services, and prepaid MasterCards.

Company name
Address
Phone
ACE CASH AMERICA
500 W William Cannon Dr Austin TX, 78745
512-448-1747
Advance America
9306 North Lamar Boulevard Suite C Austin TX, 78753
512-491-5044
Advance America
8760 Research Boulevard Austin TX, 78758
512-467-9701
Advance America
5775 Airport Boulevard Austin TX, 78752
512-454-8423
Advance America
512 West Stassney Lane Suite 102 Austin TX, 78745
512-326-3854
Advance America
7112 Ed Bluestein Boulevard Austin TX, 78723
512-927-0238
ALL CHECKS CASHED
343 S Congress Ave Ste A Austin TX, 78704
512-441-1998
Ar-Ash Incorporated
8523 Research Blvd Austin TX, 78758
512-835-6575
Automated Financial Systems
Austin Austin TX, 78704
512-445-4878
B & W Finance Co
1144 Airport Boulevard Austin TX, 78702
512-477-6369
B & W FINANCE CO
2410 E Riverside Dr Ste C6 Austin TX, 78741
512-477-6369
B & W FINANCE COMPANY
1144 Airport Blvd Austin TX, 78702
512-477-6369
BEEHIVE SPECIALTY CO
2601 Mchale Ct Ste 100 Austin TX, 78758
512-912-7940
Cash Advance
2949 West Anderson Lane Austin TX, 78757
512-454-4114
CASH IN ADVANCE
2949 W Anderson Ln Austin TX, 78757
512-454-4114
Cash Master
9405 North I H 35 Austin TX, 78753
512-837-0144
Cash Master
8523 Research Boulevard Austin TX, 78758
512-835-6575
Cash Master
3807 North I H 35 Austin TX, 78722
512-420-0113
CASH MASTER
10711 Burnet Rd Austin TX, 78758
512-458-4415
CASH MASTER
9405 N I H 35 Austin TX, 78753
512-837-0144
CASH STORE
1020 N Bell Austin TX, 78701
888-950-2274
Check Cashing
7545 North Lamar Boulevard Austin TX, 78752
512-371-0788
CHECK CASHING
3100 Stoneway Dr Austin TX, 78757
512-371-0788
CHECK CASHING
7545 N Lamar Blvd Austin TX, 78752
512-371-0788
Check Cashing Co
719 W Wlliam Cnon Ste 112 Austin TX, 78745
512-306-0341
Check Cashing Co
4201 South Congress Avenue Austin TX, 78745
512-443-2274
Checkrite Of Austin
4301 Russell Drive Austin TX, 78704
512-440-0911
Cummins-Allison Corporation
Austin Austin TX, 78701
512-836-0795
E Payment Systems
Austin Austin TX, 78701
512-329-2041
E Payment Systems
1250 South Capital Of Texas Highway Austin TX, 78746
512-329-2041
EAST 1ST GROCERY
1811 E Cesar Chavez St Austin TX, 78702
512-477-0988
EZ MONEY LOAN SERVICES
6330 W Highway 290 Austin TX, 78735
512-891-0882
Fast Com Net
6901 N Lamar Blvd Ste 107 Austin TX, 78752
512-447-2274
FIRST CASH ADVANCE
300 Mays Crossing Dr Austin TX, 78701
512-244-9380
FIRST CASH ADVANCE
6929 Airport Blvd Austin TX, 78752
512-323-5360
FIRST CASH ADVANCE
13000 N I H 35 Austin TX, 78753
512-491-7728
FIRSTCASH ADVANCE
13000 N I-35 Sbfr Bldg Ste 212 Austin TX, 78701
512-491-7728
FIRSTCASHADVANCE
13201 Ranch Road 620 N Ste R Austin TX, 78717
512-258-2341
HILLSIDE LIQUOR
160 Slaughter Ln W Austin TX, 78748
512-282-4755
Hillside Liquor - Store No 1
160 Slaughter Lane West Austin TX, 78748
512-282-4755
Hillside Liquor - Store No 2
6705 West Highway 290 Austin TX, 78735
512-892-0884
Kms Enterprises
6007 Belfast Dr Austin TX, 78723
512-452-1577
LA MERCED
8120 Research Blvd Austin TX, 78758
512-459-4040
Lamar Checking Cashing
10805 N Lamar Blvd Austin TX, 78753
512-832-0002
LAMAR CHECKING CASHING
10810 N Lamar Blvd Austin TX, 78753
512-832-0002
Money Box
7115 Woodrow Avenue Austin TX, 78757
512-454-9033
Money Box
2521 Rutland Drive Suite 150 Austin TX, 78758
512-997-9740
Money Box
3724 North Lamar Boulevard Austin TX, 78705
512-452-6570
Money Box
1921 Cedar Bend Drive Austin TX, 78758
512-837-8944
Money Box
2805 South Lamar Boulevard Austin TX, 78704
512-448-4278
Money Box
9616 North Lamar Boulevard Suite 199 Austin TX, 78753
512-837-1262
Money Box
4606 Burleson Road Suite C Austin TX, 78744
512-447-8077
Money Box
11300 Pollyanna Avenue Austin TX, 78753
512-833-0186
Money Box
6608 South Congress Avenue Austin TX, 78745
512-447-5757
Money Box
3840 Airport Boulevard Austin TX, 78722
512-476-3183
Money Box
719 West William Cannon Drive Suite 112 Austin TX, 78745
512-444-8032
Money Box
1103 North I H 35 Austin TX, 78702
512-476-0488
Money Box
1900 East Riverside Drive Austin TX, 78741
512-444-6794
Money Box
6401 Airport Boulevard Suite B Austin TX, 78752
512-467-9868
Money Box
6800 West Gate Boulevard Suite 140 Austin TX, 78745
512-416-8374
Money Box
2030 East Oltorf Street Austin TX, 78741
512-462-2882
Money Box
7201 Cameron Road Austin TX, 78752
512-458-1422
Money Box
1717 South Pleasant Valley Road Suite 290 Austin TX, 78741
512-389-2163
Money Box
11643 Research Boulevard Suite B Austin TX, 78759
512-346-1543
Money Box
2712 South Congress Avenue Austin TX, 78704
512-326-2885
Money Box
9912 Manchaca Road Austin TX, 78748
512-291-5667
Money Box 58
3601 West William Cannon Drive Suite 400 Austin TX, 78749
512-891-6072
Money Majik Services
8545 North Lamar Boulevard Austin TX, 78753
512-837-5776
MONEY MONEY CHECK CASHING
1925 Rutland Dr Austin TX, 78758
512-833-9623
Money Place
14611 Fm Road 1325 Austin TX, 78728
512-244-5988
MONEY PLACE
14611 Fm Rd 1325 Austin TX, 78701
512-244-5988
MONEY PLACE
14611 N Mo Pac Expy Austin TX, 78728
512-244-5988
Money Store L P
3724 N Lamar Blvd B Austin TX, 78705
512-452-6570
Money Store L P
3840 Airport Blvd Austin TX, 78722
512-476-3183
Money Store L P
1717 S Plsant Vly Rd 29 Austin TX, 78741
512-389-2163
Money Store L P
1900 E Riverside Dr Austin TX, 78741
512-444-6794
Money Store L P
2805 S Lamar Blvd Austin TX, 78704
512-448-4278
Money Store L P
6800 W Gate Blvd Ste 140 Austin TX, 78745
512-416-8374
Money Store L P
2712 S Congress Ave Austin TX, 78704
512-326-2885
Money Store L P
1114 Lost Creek Blvd 31 Austin TX, 78746
512-306-0341
Money Store L P
3601 W William Canon 40 Austin TX, 78749
512-891-6072
Money Store L P
1921 Cedar Bnd Ste C103 Austin TX, 78758
512-837-8944
Money Store L P
11643B Research Blvd Austin TX, 78759
512-346-1543
Money Store L P
6401 Airport Blvd Ste B Austin TX, 78752
512-467-9868
Money Store L P
7115 Woodrow Ave Austin TX, 78757
512-454-9033
MONEYLAND CHECK CASHING SERVIC
1909 E Riverside Dr Austin TX, 78741
512-442-0203
Moneyland Check Cashing Service
1901 East 7Th Street Austin TX, 78702
512-457-9692
Monterrey Check Cashing
1600 Ohlen Road Austin TX, 78758
512-719-3400
Point Of Sale Supplies
6500 Burnet Road Austin TX, 78757
512-837-2020
Premier Finance Corporation
9616 North Lamar Boulevard Suite 192 Austin TX, 78753
512-836-5626
Red Check Investments
13740 North Highway 183 Austin TX, 78750
512-302-5007
STAR CHECK CASH
13133 Bayfield Dr Austin TX, 78727
512-719-3778
Star Check Cashing
834 East Rundberg Lane Austin TX, 78753
512-719-3778
STAR CHECK CASHING
834 E Rundberg Ln Austin TX, 78753
512-719-3778
STAR CHECK CASHING INCORPORATE
7208 Cameron Rd Austin TX, 78752
512-419-0020
SULLIES CHECK CASHING
809 E 6th St Austin TX, 78702
512-478-1454
SUNNY BOOKKEEPING & TAX SERVIC
4700 Loyola Ln Ste 120 Austin TX, 78723
512-928-9860
THE AUSTIN CHECK CASHING INC
8545 N Lamar Blvd Austin TX, 78753
512-973-0715
THE CHECK CASHING CO
4201 S Congress Ave Ste 104 Austin TX, 78745
512-443-2274
THE CHECK CONNECTION INCORPORA
4402 N Lamar Blvd Austin TX, 78756
512-483-7374
THE MONEY BOX
9912 Manchaca Rd Austin TX, 78748
512-291-5667
THE MONEY BOX
2514 E Ben White Blvd Austin TX, 78741
512-447-8077
THE MONEY BOX
2205 E 7th St # 101 Austin TX, 78702
512-381-8251
THE MONEY BOX
1103 N I H 35 Austin TX, 78702
512-476-0488
THE MONEY BOX
1909 E William Cannon Dr Austin TX, 78744
512-448-1574
THE MONEY BOX
3601 W William Cannon Dr Austin TX, 78749
512-891-6072
THE MONEY BOX
6608 S Congress Ave Austin TX, 78745
512-447-5757
THE MONEY BOX
719 W William Cannon Dr Austin TX, 78745
512-444-8032
THE MONEY BOX
1717 S Pleasant Valley Rd Austin TX, 78741
512-389-2163
THE MONEY BOX
2030 E Oltorf St Austin TX, 78741
512-462-2882
THE MONEY BOX
1103 N I H 35 # A Austin TX, 78701
512-476-0488
THE MONEY BOX
112 E 7th St Austin TX, 78701
512-457-1530
THE MONEY BOX
1505 C Wells Branch Pkwy Austin TX, 78701
512-251-6799
THE MONEY BOX
2008 W Parmer Ln Austin TX, 78727
512-837-8944
THE MONEY BOX
2521 Rutland Dr Ste 150 Austin TX, 78758
512-997-9740
THE MONEY BOX
3001 W Anderson Ln Austin TX, 78757
512-459-5974
THE MONEY BOX
7201 Cameron Rd Austin TX, 78752
512-458-1422
THE MONEY BOX
7112 Ed Bluestein Blvd Austin TX, 78723
512-674-4478
THE MONEY BOX
1114 Lost Creek Blvd Austin TX, 78746
512-306-0341
THE MONEY BOX
3724 N Lamar Blvd # B Austin TX, 78705
512-452-6570
THE MONEY BOX
11300 Pollyanna Ave # B Austin TX, 78753
512-833-0186
THE MONEY BOX
9616 N Lamar Blvd Austin TX, 78753
512-837-1262
The Money Box - 52
3001 West Anderson Lane Austin TX, 78757
512-459-5973
The Money Box - Administrative Office
1114 Lost Creek Boulevard Suite 310 Austin TX, 78746
512-306-0341
The Money Box - Money Box 60
112 East 7Th Street Austin TX, 78701
512-457-1530
Thomas & Associates Llc
Austin Austin TX, 78733
512-263-3003
UNITED CHECK CASHING
4360 S Congress Ave Austin TX, 78745
512-445-6240

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