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Austin, TX
Payday Loans are legal* in Texas.
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25 Local Stores
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6 Companies
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929 Reviews
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YES Online Loans

Austin, TX Payday Loan Lenders

25 local stores from 6 companies located in Austin, TX

Austin is a major political, industrial and cultural center of Texas, the USA, and the state’s capital. Located in Travis County, a lush subtropical region, it attracts citizens from around the United States, neighboring countries and from overseas. It is placed at a crossroads of several economic and cultural pathways, and is home to quite a number of business and arts venues.

Particularly, payday loan lenders are okay in Austin, as well as in the rest of Texas. There are 25 payday lender storefront offices in the city belonging to Ace Cash Express, Speedy Cash, Check’n Go, Quik Cash, and Advance America. They have their own websites, where borrowers can learn more about them and apply for a loan online. Payday lenders are not as strict on borrowers about credit histories and, for the most part, grant loans to users, who are not always okay with banks. They do require, however, that borrowers have a stable income and ask to submit documents proving that. 

Payday Loan Law in Austin

Payday lending is legal in Austin. It is regulated by the local legislation, which is not quite so tough on lenders. Particularly, it specifies only a minimum loan term (7 days) and does not specify a maximum one. It does not specify maximum charges or fees either (they depend on loan size); APRs tend to be quite high (662%). Rollovers are not allowed.

The law seems to be on lenders’ side rather than borrowers’. The latter are at a disadvantage and must always be sure they can pay off on time to avoid indebtedness. Criminal acts against borrowers are prosecuted. 

Austin History

The city originated in 1839 as Waterloo and was changed to Austin later that same year. It was named after Stephen F. Austin, the Texas Republic’s first secretary of state (known as The Father of Texas). The city continued to grow throughout the 19th century economically, politically and culturally. It witnessed an economic boom in the 1870s, when a railroad connected it to Houston and opened new horizons in trade, farming and production. The Capitol Building was completed in 1888. The city’s business and cultural life continued to evolve throughout the 20th century.

Geography

Austin is located in Central Texas on the Colorado River and straddles the Balcones Fault, which gives it a variable elevation above sea level. The region presents a unique chemistry of a temperate, sub-tropical and desert climate because of its specific terrain type. There are several artificial lakes in the city and a system of dams, which were built on the lower Colorado River to control floods, which often occur during thunderstorms. 

Population

Austin’s population is 950 715 people, median age is 32.7 years old. Median household income is $63 717; median individual income is $34 576. About 18.3% of households have incomes ranging between $50 000 and $75 000; about 30.4% of households have six-figure incomes. Home ownership reaches 45.3%; average home value is $285 643, median rent size is $1524.

The racial makeup is similar to those observed in other cities. About 75% of the population are Whites, Hispanic Whites account for 34.5%, African Americans – for 7.6%, Asians – for 7%; Natives account for 0.5%, Pacific population – for 0.1%.

Austin Today

Today, Austin is a major industrial and educational center. The University of Texas at Austin runs a number of computer science programs and feeds workforce to the city’s (and the nation’s) numerous high-tech companies. Austin’s biggest employers are the U.S. Federal Government, the State of Texas, NXP Semiconductors, the Texas State University, Amazon, Hewlett-Packard, Qualcomm, Whole Foods market, etc. 

Austin boasts a vibrant cultural life: it is known as the Live Music Capital of the World, as it is home to the South by Southwest film/music/interactive festival, the Austin City Limits Music Festival, numerous nightclubs, and top-level singers, bands and orchestras.  

Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
Best Austin, TX Lenders by Rating

All Austin, TX Lenders Offices by Rating

Rating
Office Address
5.00
1 review
Quik Cash
2030 E Oltorf St, Ste 105, 78741
tel: 512-326-5636
4.80
37 reviews
Speedy Cash
2008 W Parmer Ln, 78727 show on map
tel: 512-837-8944
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
4.70
20 reviews
Speedy Cash
1909 E William Cannon Dr #101, 78744 show on map
tel: 512-448-1574
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–6PM
Sunday: Closed
4.50
2 reviews
Ezmoney Loan Services
102 East Oltorf St, 78704
4.45
209 reviews
Check 'n Go
500 East Ben White,Suite 700, 78704 show on map
tel: 512-326-2156
4.30
18 reviews
Speedy Cash
2514 E Ben White Blvd, 78741 show on map
tel: 512-447-8077
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–6PM
Sunday: Closed
4.20
15 reviews
Speedy Cash
11300 Pollyanna Ave Ste C, 78753 show on map
tel: 512-833-0186
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
4.10
38 reviews
Speedy Cash
2030 E Oltorf St #102 B, 78741 show on map
tel: 512-462-2882
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
4.05
17 reviews
Speedy Cash
6702 S Congress Ave, 78745 show on map
tel: 512-447-5757
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–6PM
Sunday: Closed
4.05
14 reviews
Speedy Cash
7112 Ed Bluestein Blvd Ste 177, 78723 show on map
tel: 512-674-4478
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
3.70
16 reviews
Speedy Cash
9616 N Lamar Blvd #199, 78753 show on map
tel: 512-837-1262
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
3.50
54 reviews
Speedy Cash
11643 Research Blvd Ste B, 78759 show on map
tel: 512-346-1543
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–6PM
Sunday: Closed
3.35
60 reviews
Speedy Cash
7201 Cameron Rd, 78752 show on map
tel: 512-458-1422
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
3.35
22 reviews
Speedy Cash
5532 Manchaca Rd, 78745 show on map
tel: 512-707-1229
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
3.30
17 reviews
Speedy Cash
3840 Airport Blvd, 78722 show on map
tel: 512-476-3183
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
3.30
15 reviews
Speedy Cash
2818 S Lamar Blvd, 78704 show on map
tel: 512-448-4278
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–6PM
Sunday: Closed
3.15
46 reviews
Ace Cash Express
730 W Stassney Ln, 78745 show on map
tel: 512-447-9371
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
2.95
124 reviews
Check 'n Go
2501 W Parmer Lane, 78727 show on map
tel: 512-832-5906
2.85
83 reviews
Advance America
8760-B Research Blvd., 78758 show on map
tel: 512-467-9701
2.65
8 reviews
Speedy Cash
2237 E Riverside Dr Ste 101 D, 78741 show on map
tel: 512-448-0592
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
2.55
10 reviews
Ace Cash Express
9411 Dessau Rd, 78754 show on map
tel: 512-834-1064
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
2.40
31 reviews
Ace Cash Express
5341 Cameron Rd, 78723 show on map
tel: 512-458-5498
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
2.35
41 reviews
Ace Cash Express
2237 E Riverside Dr, 78741 show on map
tel: 512-447-5682
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
2.30
31 reviews
Ace Cash Express
8501 Burnet Rd, 78757 show on map
tel: 512-458-3747
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
0.00
0 reviews
Advance America
5775 Airport Blvd., Ste. 600, 78752 show on map
tel: 512-454-8423
Reviewed Lenders by Reviews Count

Latest Reviews

Luci Furr Flores
5 / 5 Sep 4, 2020
about Ace Cash Express's office
5341 Cameron Rd, Austin, TX 78723
Magic N' Movement
5 / 5 Sep 1, 2020
about Ace Cash Express's office
8501 Burnet Rd, Austin, TX 78757
Elijah Chavarria
5 / 5 Sep 1, 2020
about Ace Cash Express's office
730 W Stassney Ln, Austin, TX 78745
Leshea W.
5 / 5 Apr 15, 2019
about Speedy Cash's office
11643 Research Blvd Ste B, Austin, TX 78759
Petra M.
1 / 5 Jan 11, 2019
about Ace Cash Express's office
8501 Burnet Rd, Austin, TX 78757
Forgiven B.
4 / 5 Dec 21, 2018
about Speedy Cash's office
3840 Airport Blvd, Austin, TX 78722

I suppose, this is a good place even though they charge so much. I have never appeared in ...

Kyle
5 / 5 Oct 4, 2012
about Ezmoney Loan Services's office
102 East Oltorf St, Austin, TX 78704

I liked the idea of getting cash without paperwork and bureaucracy. That’s the most vivi ...

Logan
5 / 5 May 14, 2012
about Quik Cash's office
2030 E Oltorf St, Ste 105, Austin, TX 78741

I remembered that once I contacted a payday loan company and borrowed money from them. I w ...

Cody Maya
4 / 5 Mar 22, 2012
about Ezmoney Loan Services's office
102 East Oltorf St, Austin, TX 78704