Best Payday Loans in Dallas, TX

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Payday loans are short-term, quick loans that give you an advance on your next paycheck. All you need to qualify is an ID, bank account, phone number and steady source of income, and you can get cash in minutes. We put together a guide to the best payday loans in Dallas so you know where to apply.

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Top 12 Dallas Payday Loan Companies

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Close to 194,000 borrowers took out payday loans in Dallas in 2018, according to the Texas Office of Consumer Credit Commissioner. That number includes both single-payment payday loans and installment payday loans that are paid back over time. Consumers in Dallas receive payday loans from credit access businesses that work with third-party lenders.

Dallas payday loan regulations

Credit access businesses helping consumers with payday loans must be licensed and follow Texas and Dallas laws. Here are some key things to know about payday loans in Dallas:

  • The amount you borrow can’t exceed 20% of your gross monthly income.
  • You can’t take out an installment payday loan repayable in more than four installments.
  • You can’t refinance a single-payment payday loan more than three times.

Understand that when you get a payday loan in Dallas, you are responsible for paying back the principal, interest and credit access business fees. Though lenders are limited in the interest they can charge, there are no restrictions on the amount they charge for credit access business fees. As a result, the average annual percentage rate (APR), which includes interest and fees, on Texas payday loans is one of the highest in the U.S.

Loan amountLender interestCAB feeAPR

What do I need for a payday loan in Dallas?

Requirements to get a payday loan in Dallas differ slightly from lender to lender. In general, you need:

  • Government-issued ID
  • Social Security number or Taxpayer Identification Number
  • Open checking account
  • Proof of steady income
  • Working phone number

You can qualify for a payday advance in Dallas with bad credit or no credit. In fact, some lenders offer payday loans with no credit check required.

Depending on the lender, you can apply for a payday loan online, over the phone or in person. You find out within minutes whether you are approved. Some lenders allow you to complete the entire process from your computer or phone, then receive funds electronically in your bank account. Others ask you to come to a store to finalize the loan.

Pay attention to how soon a lender can put cash in your hands. Some lenders, including Speedy Cash and CashNetUSA, offer same-day funding, while others — especially online payday lenders — may take one to two business days to make a deposit into your bank account.

Dallas payday loan FAQ

What kind of loan can I get in Dallas with bad credit?
You can still get a loan in Dallas with bad credit caused by late bill payments, unpaid debt or bankruptcy. Options include payday loans, auto title loans and installment loans.
What are some alternatives to payday loans in Dallas?
Before getting a payday loan in Dallas, you might want to look into payday loan alternatives. Options include:
  • Asking a family member or friend for a loan
  • Applying for a loan from a bank or credit union
  • Contacting creditors and asking for extensions or new payment plans
  • Requesting a paycheck advance from your employer
Should I get a payday loan or a signature loan in Dallas?
Payday loans and signature loans give you cash quickly without requiring you to put up personal property as collateral. Unlike a payday loan, however, a signature loan usually requires a credit check. If you have poor credit, a payday loan is probably the better option. If you have good enough credit to qualify for a signature loan, you may be eligible for more money, lower interest rates and a longer term for repayment.

Not sure how to choose?

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    Dallas payday loan company information

    Power Finance Texas Dallas

    Power Finance Texas offers six-month installment loan and approves applicants for up to $1,250 in as little as 60 seconds. No credit history is necessary, and you don’t need to have a direct deposit arrangement with your employer. Apply online or at a Power Finance Texas store in Dallas or Arlington.

    • Address: 8500 N. Stemmons Freeway, Ste. 4040, Dallas, TX 75247; Multiple locations
    • Phone: (214) 637-2274
    • Hours: M - F: 9am - 6pm; Sat: 9am - 12pm
    • Website:
    B3 Cash Solutions

    B3 Cash Solutions provides in-store and online payday loans and makes funds available in 24 hours or less. To apply, you must be 18, have had the same employer for three months or longer, make at least $750 monthly, have an active checking account and be reachable by phone. After taking out your first loan, refer a qualified applicant to B3 Cash Solutions and get an incentive when that person is approved.

    • Address: 3108 Old Denton Road, Ste. 107, Carrollton, TX 75007; Multiple locations
    • Phone: (972) 422-9832
    • Hours: M - F: 9am - 6pm; Sat: 10am - 1pm
    • Website:
    Check N Title Loans

    Check N Title Loans offers in-store and online installment loans from $100 to $1,500. The company promises to meet or beat fees from competitors. To apply, you need to be a U.S. citizen who is at least 18 and have Texas-issued ID, a Social Security number and an open checking account. Customers have three days to cancel a loan from Check N Title Loans.

    • Address: 7016 Greenville Ave., Dallas, TX 75231; Multiple locations
    • Phone: (214) 381-3333
    • Hours: M - F: 9am - 6pm; Sat: 9am - 3pm
    • Website:
    CashMax Dallas

    CashMax is a Texas payday lender with locations across Dallas. To qualify, you must be at least 18, have a checking account and bring in regular income. Start your application online for same-day cash and get approved in as little as 15 minutes. CashMax prides itself on friendly, no-pressure service and respect for privacy.

    • Address: 5200 Lemmon Ave., Ste. 106, Dallas, TX 75209; Multiple locations
    • Phone: (214) 390-2282
    • Hours: M - F: 10am - 6pm
    • Website:
    Texas Car Title and Payday Loan Services Inc. Dallas

    Texas Car Title and Payday Loan Services Inc. approves payday loans up to $1,200 in 30 minutes or less, even for borrowers with bad credit. Apply over the phone or at one of its stores in Irving, Balch Springs, Richardson or Sunnyvale. All you need is a state-issued ID, a blank check from an active checking account in your name and your most recent pay stub.

    • Address: 3405 N. Beltline Road, Irving, TX 75062; Multiple locations
    • Phone: (972) 570-4238
    • Hours: M, F: 10am - 7pm; T - Th: 10am - 6pm; Sat: 9am - 4pm
    • Website: