Online Payday Loans in Texas

Are you looking for an online financial solution with an instant deposit? Magnolia Payday Loans offers in-store and online payday loans in Texas with no credit check, meaning they are fast and can fit even those with bad credit. Apply today and get an instant approval decision from one of our legitimate direct lenders!

How Do Texas Payday Loans Work?

Payday loans are small, short-term loans Texas residents can get to cover unexpected expenses. These loans come as a lump sum deposit that reaches a borrower’s bank account within 24 business hours or less. Then, it has to be repaid in full within several weeks, typically after receiving the next salary. Payday loans are bad-credit-friendly options with no hard credit check and can be obtained even with a questionable credit background.

At Magnolia Payday Loans, we offer a broad range of Texas payday loans from direct lenders to make the process fast, safe, and straightforward. Apply online now and choose the most favorable loan offer to bridge the gap between paychecks.

Are Payday Loans in Texas Legal?

According to Tex. Fin. Code Ann., payday loans are legal in the state. However, there are some rules aimed at protecting borrowers from predatory lending practices. Each licensed Texas lender must follow them to offer its products in the state.

Terms & Fees

Texas law doesn’t specify the maximum payday loan amount available to customers but says that the entire debt with all the fees and charges can’t exceed 20% of a customer’s gross monthly income. A borrower can repay the amount after the next payday or within 180 days. Plus, it can be made in up to 4 installments, and up to three rollovers can be requested if you find it difficult to repay a Texas payday loan on time.

The maximum finance charges depend on the amount you borrow:

  • On loans of less than $30: $1 for each $5 borrowed;
  • On loans between $30 and $100: one-tenth of the amount advanced;
  • On loans of over $100: $10 for each $100 borrowed.

Additionally, some extra fees may be applied if you choose to repay your loan in installments:

  • A $3 monthly fee for loans under $35;
  • A $3.50 monthly fee for advanced amounts between $35 and $7;
  • A $4 monthly fee for a cash advance of $70 to $100;
  • A $4 monthly fee for each $100 is obtained for loans that exceed $100.

What Online Loans Does Magnolia Payday Loans Offer in Texas?

At Magnolia Payday Loans, we strive to meet the various needs of Texas residents.

Payday Loans

A payday loan is a small borrowing (usually up to $1,000) with a short loan term. The due date is typically tied to your next pay date. In most cases, the repayment is made in one large amount. Payday loans involve no hard credit checks and can be obtained within 24 hours with any credit score.

Installment Loans

An installment loan is a longer-term commitment with a repayment period of up to 24 months. Instead of repaying the whole amount in one lump sum, you can make affordable monthly installments and adjust your payments to your budget. It is a bad-credit-friendly option of up to $5,000 that you can use for various life projects that require more financing.

How to Apply for Texas Payday Loans Online?

The application procedure via Magnolia Payday Loans is not rocket science. You can quickly request Texas payday loans online on our website in just four straightforward steps:

  1. Complete a simple application form. You only need basic information, such as your full name, residential address, email, cell phone number, etc. The entire online process is usually a 5-minute matter.
  2. Get an approval decision. You will receive it via email shortly after submitting a form, usually within 10 to 15 minutes.
  3. Sign a loan agreement. If approved, it will be attached to your approval email. Read the terms carefully to ensure they fit your situation before accepting an offer.
  4. Get the funds. The disbursement is made via a direct deposit to your specified bank account within one working day.

Requirements for Getting a Cash Advance Loan in Texas

Online payday loans in Texas don’t involve extensive paperwork or a set of strict requirements you must meet. There are just a few essential criteria, such as:

  • Reach the age of 18;
  • Have an active checking account in your name;
  • Be a US permanent resident;
  • Provide proof of income that is in line with the requested amount.

Why Choose Magnolia Payday Loans for Payday and Installment Loans in Texas

At Magnolia Payday Loans, we are focused on helping Texas residents take confident steps toward their financial goals. We offer competitive and affordable Texas loans with a fast underwriting process and funding within one business day. Whether you have good or bad credit differs from what our lenders focus on. Therefore, they perform no hard credit checks, making the loan process fast and stress-free.

We take your safety seriously and use modern security services to protect your personal and financial data from third parties. The information you provide is used for decision-making and not disclosed to intermediaries. If you need a fast and affordable financial solution without compromising safety, we’re always here to help!

Texas Payday Loans Near Me

Are you looking for a physical payday loan store in Texas? Magnolia Payday Loans offers personalized financial solutions online on the same day. You’ll get exceptional customer service in its TX branches. Choose the nearest location to you and visit us within operating hours to get qualified assistance.

 Magnolia Payday Loans

712 Wilcrest Drive, #1003,
Houston, TX 77042

Houston Easy Loans

(346) 214-6685

 Magnolia Payday Loans
San Antonio

9819 Frontage Rd,
San Antonio, TX 78230

San Antonio Easy Loans

(210) 851-9962

 Magnolia Payday Loans

2955 Cityplace W Blvd,
Dallas, TX 75204

Dallas Easy Loans

(469) 804-7040

 Magnolia Payday Loans

2220 W Ben White Blvd,
Austin, TX 78704

Austin Easy Loans

(512) 436-0125

 Magnolia Payday Loans
El Paso

6104 Alameda Ave,
El Paso, TX 79905

El Paso Easy Loans

(915) 615-3040

 Magnolia Payday Loans

201 Clark Blvd,
Laredo, TX 78040

Laredo Easy Loans

(956) 394-0367

 Magnolia Payday Loans

4150 S Cooper St,
Arlington, TX 76015

Arlington Easy Loans

(682) 297-7590

 Magnolia Payday Loans
Corpus Christi

4156 Ayers St,
Corpus Christi, TX 78415

Corpus Christi Easy Loans

(361) 336-2385

 Magnolia Payday Loans
Fort Worth

5433 S Hulen St,
Fort Worth, TX 76132

Fort Worth Easy Loans

(682) 255-1445

 Magnolia Payday Loans

4701 Old Shepard Place unit 120,
Plano, TX 75093

Plano Easy Loans

(972) 526-7001

Apply for Online Payday Loans in Texas – Same Day Funding


  1. Are Payday Loans in Texas Legal?
    Payday loans in Texas are legal, but some regulations are applied. These rules concern amounts and interest rates. Check your loan terms against Texas law to ensure you get a legitimate offer from a lender.
  2. When Will I Receive My Texas Payday Loan?
    The exact term depends not only on your lender but also on your bank. The loan funds usually reach a borrower’s checking account before the next business day. However, it may happen faster if you provide accurate information and choose the right time to submit your application form.
  3. How Can I Get Payday Loans Online on the Same Day in Texas?
    Although there are general funding times within one working day, there’s a probability of receiving the money faster. Texas residents should get approved before noon on a business day to improve their chances of getting payday loans online on the same day.
  4. How Much Can I Borrow with a Payday Loan in Texas?
    There needs to be a specific maximum amount you can get with a payday loan in Texas. According to state law, borrowers can obtain up to 20% of their gross monthly income.
  5. What Is the Cost of Online Texas Payday Loans?
    The cost of online Texas payday loans depends on how much money you borrow. If you request a loan of less than $30, a lender will charge you up to $1 for each $5. For loans between $30 and $100, a finance charge can be up to 1/10 of the advanced amount. Loans over $100 come with a $10 fee for each $100 obtained. Plus, extra charges may be applied if you’re going to repay your loan in installments.
  6. Can I Get a Payday Loan in Texas with Bad Credit?
    Sure, having bad credit is fine! Payday lenders make no credit checks through major credit bureaus and don’t consider your FICO rating an essential metric for loan approval. You’re welcome to apply as long as you can repay the funds when due.