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A car repair, a utility bill, or a doctor visit can land days before your paycheck does. About 4 in 10 Texas households earn too little to cover housing, food, and transportation. A short gap between bills and payday is common here.
Texas does not cap the rate on a payday loan, and it sets no statewide limit on the amount. Many Texas cities do cap a payday loan at 20% of your gross monthly income. With Superb Cash Advance you can apply for up to $500. That $500 is our own limit, not a legal one.
If you are approved, you can review the amount, the fee, and the due date, and weigh them against your other options before you decide. Nothing obligates you to take the loan.
You can pre-qualify online in a few minutes and see a free estimate, with no hard credit check to get started. Applying in person works too. Our Texas locations are listed below.
In Texas, payday lenders must be licensed under the state Credit Access Business law and are overseen by the Texas Office of Consumer Credit Commissioner.
This is the state agency that regulates these lenders and handles consumer complaints.
More than 45 Texas cities, including most of the largest, have also adopted a unified local ordinance that adds borrower protections on top of state law.
These costs assume a representative fee of about $20 per $100 borrowed on a single-payment payday loan.
Your exact fee may be higher or lower, and we show it in full before you sign.
| Loan amount | Term | Total to repay | APR |
|---|---|---|---|
| $100 | About 2 weeks | $120 | About 521% |
| $200 | About 2 weeks | $240 | About 521% |
| $300 | About 2 weeks | $360 | About 521% |
| $400 | About 2 weeks | $480 | About 521% |
| $500 | About 2 weeks | $600 | About 521% |
Representative example: borrow $300 for about two weeks at a fee of about $20 per $100 borrowed.
You repay about $360, which includes about $60 in fees, for an APR of about 521%.
Texas sets no rate cap and fees commonly run from $15 to $30 per $100, so your exact fee and APR depend on the lender and are shown in full before you sign.
Source: Texas Credit Access Business law, Tex. Fin. Code § 393.601 to 393.628, which sets no statewide rate cap.
Payday lenders are licensed and overseen by the Texas Office of Consumer Credit Commissioner.
Local rules come from the unified municipal payday lending ordinance adopted by more than 45 Texas cities.
Wages are protected from garnishment for consumer debts by the Texas Constitution, Article XVI, Section 28. Last reviewed August 10, 2026.
With Superb Cash Advance, $500 is the most you can apply for in Texas.
Texas has no statewide loan limit, so the amount you qualify for depends mainly on your income and ability to repay. In the Texas cities that follow the local ordinance, a payday loan is capped at 20% of your gross monthly income. If you earn $2,000 a month, that is $400. We keep our limit at $500 to keep borrowing manageable.
The fastest way to get $500 is to apply online with your ID, income, and bank details ready. Most applicants get a decision in minutes, and approved funds can arrive the same business day.*
See the requirements and how it works on our $500 cash advance with no credit check page.
Are payday loans legal in Texas?
Yes. Payday loans, also called cash advances, are legal in Texas.
Do I need good credit to get a payday loan in Texas?
No, you do not need good credit to qualify. We primarily look at your income and your ability to repay rather than your credit score.
Can I cancel a payday loan in Texas?
Yes. You can cancel the loan at no cost any time before midnight of the third business day after you sign.
Returning the money you received cancels the fee.
What happens if I cannot repay on time?
Texas does not require a grace period, but you can pay the loan off early at any time with no penalty. If you cannot pay, contact us first, and in the many Texas cities with the local ordinance a loan can be renewed no more than three times, with each renewal cutting the balance by at least 25%.
You cannot be jailed for an unpaid loan, and Texas does not allow your wages to be garnished for this debt, though a lender can sue you and seek a bank account after a court judgment.
Is there a credit check to get a payday loan?
Getting a quote uses only a soft credit inquiry, so it does not affect your credit score.
If your loan is approved, a hard credit inquiry may be completed, and national databases such as TransUnion, Equifax, LexisNexis, or FactorTrust may be checked before funding.
So there is no hard credit check just to request a loan, but one may be required before your loan is funded.
* Funding times are estimates and can vary depending on your bank and when your application is approved. Same-day funding is not guaranteed.
What are you waiting for?
Get a free quote in minutes, with no obligation. You only decide after you see the full cost.
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2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days. Where state law requires loan proceeds to be paid in cash and in person, an application may be started online and the approved funds are collected at the store.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Where state law permits electronic disbursement, funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET, and applications approved later in the day are generally funded on the next business day. In states whose law requires loan proceeds to be paid in cash and in person, approved funds are collected at the store instead of being deposited, and timing depends on approval time and store hours.
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