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Unexpected expenses can happen when you least expect them. Whether it's a car repair, utility bill, or another urgent expense, a payday loan may help cover the gap until your next paycheck.
With Superb Cash Advance, you can apply online in minutes for up to $500, and there is no hard credit check to get started.
Unlike most states, Texas does not cap the interest rate on a payday loan, which is why they cost more here than in most of the country.
It helps to understand how they work, what they really cost, and the protections your city and state give you before you borrow.
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.
Many large Texas cities, including Dallas, Houston, San Antonio, Austin, Fort Worth, and El Paso, have also passed a local ordinance that adds extra 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.
Keep in mind: Renewing or rolling over a payday loan is where the cost piles up fastest, because a new fee is added each time.
In cities with the local ordinance, you are limited to three renewals and each one must reduce the principal by at least 25%.
Borrow only what you can repay by your next payday, and avoid renewing if you can.
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. Last reviewed June 2026.
Here is what can happen when a payment is late or missed:
If money is tight, talk to us about your options first. You can also get free help from a nonprofit credit counselor through the National Foundation for Credit Counseling.
Payday loans are meant for emergencies and short-term cash needs. Because they can be expensive, it is worth comparing your options before you borrow.
Before you sign, make sure you understand the APR, the repayment schedule, and the total cost of the loan. That way you can make a choice that fits your budget, with manageable monthly payments you can keep up with.
Many residents use a payday loan to cover a small, unexpected cost before their next paycheck. Common reasons include:
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. 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 quick decision, 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.
One of the biggest advantages is that the entire process can be completed online.
In Texas, you can apply, verify your information, review your loan offer, and sign your agreement from a phone or computer in about 10 to 15 minutes, with no store visit and no paperwork to fax.
The application is available 24/7, and if your income and banking information can be verified automatically, you may not need to speak with anyone.
Funds are sent by direct deposit and may be available the same business day for applications approved before 11:30 AM ET.*
We’ll work with you to find the perfect loan solution to fit your needs.
Same-day money*
Instant approval decision
Option to deposit money to debit card
Flexibility to apply online
Paperless experience — no paper check required
Bad credit, poor credit or good credit? All credit levels can apply.
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Apply online in minutes from your phone or computer. Prefer to talk to someone? You can also start by phone or at a nearby location.
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Our review is fast and does not require a hard credit check. We look mainly at your income and your ability to repay, not your credit score, and many applicants receive a decision within minutes.
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If approved, funds may be available as soon as the same business day*, or by the next business day. Funds are typically sent electronically through direct deposit or to your debit card.
Are payday loans legal in Texas?
Yes. Payday loans, also called cash advances, are legal in Texas.
Most lenders operate as a Credit Access Business that arranges your loan and charges a fee, and they must be licensed by the Texas Office of Consumer Credit Commissioner.
Texas does not cap the rate, but many cities add local protections.
How much does a payday loan cost in Texas?
Texas sets no rate cap, so payday loans here are among the most expensive in the country.
Fees commonly run from $15 to $30 per $100 borrowed for a two-week loan, which works out to roughly 400% to 660% APR.
For example, a $300 loan at about $20 per $100 costs about $60 in fees, so you repay about $360 after about two weeks.
How much can I borrow with Superb Cash Advance in Texas?
With Superb Cash Advance you can apply for up to $500.
Texas has no statewide loan limit, but in cities with the local ordinance a payday loan cannot be more than 20% of your gross monthly income, so the amount you qualify for depends on your income.
For example, if your gross income is about $2,500 a month, the 20% city limit comes to $500, which is the most you can apply for.
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.
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.
How fast can I get the money?
Most applicants get a decision within minutes. If you are approved, funds can reach your account or debit card quickly, sometimes the same business day or the next business day.*
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.
What do I need to qualify for a payday loan?
To apply, you will need a government-issued photo ID, proof of U.S. citizenship and Texas residency, and to be at least 18 years old.
You will also need a Social Security number, proof of income, an active checking account in your name, and a working phone number and email address.
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.
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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* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
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