* No affiliation with any of the companies listed on the page.

Austin, TX Payday Loans Lenders

29 local stores from 3 companies located in Austin, TX
Rating
Reviews
Lender
2.77
255
reviews
Ace Cash Express
Ace Cash Express
has 4 offices
3.73
381
review
Speedy Cash
Speedy Cash
has 14 offices
4.95
6k+
reviews
TitleMax
TitleMax
has 11 office

All Austin, TX Lenders Offices by Rating

* No affiliation with any of the companies listed on the page.
Rating
Office Address
5.00
650 reviews
TitleMax
7837 Burnet Road, Austin, TX 78757 show on map
tel: 512-362-5568
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
5.00
439 reviews
TitleMax
2617 E. 7th St., Austin, TX 78702 show on map
tel: 512-362-6175
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
5.00
428 reviews
TitleMax
1930 William Cannon Dr., Austin, TX 78745 show on map
tel: 512-652-5878
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
5.00
280 reviews
TitleMax
3600 South Congress Ave Suite 100, Austin, TX 78704 show on map
tel: 512-652-5872
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
5.00
215 reviews
TitleMax
6214 N. Lamar Blvd., Austin, TX 78752 show on map
tel: 512-651-1250
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
4.90
1065 reviews
TitleMax
8505 Springdale Rd., Austin, TX 78754 show on map
tel: 512-605-6037
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
848 reviews
TitleMax
10010 Manchaca Road, Austin, TX 78748 show on map
tel: 512-362-6234
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
763 reviews
TitleMax
8929 N. Lamar Blvd., Austin, TX 78753 show on map
tel: 512-605-6091
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
4.90
557 reviews
TitleMax
7901 Cameron Rd. Suite 5A, Austin, TX 78754 show on map
tel: 512-652-3022
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
4.90
413 reviews
TitleMax
1900 E. Oltorf St. Suite 106, Austin, TX 78741 show on map
tel: 512-362-6938
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: Closed
Sunday: Closed
4.90
356 reviews
TitleMax
3909 N IH35, Austin, TX 78722 show on map
tel: 512-652-0442
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: Closed
Sunday: Closed
4.80
33 reviews
Speedy Cash
2008 W Parmer Ln, Austin, TX 78727 show on map
permanently closed
4.30
22 reviews
Speedy Cash
1909 E William Cannon Dr #101, Austin, TX 78744 show on map
permanently closed
4.20
21 review
Speedy Cash
2514 E Ben White Blvd, Austin, TX 78741 show on map
tel: 512-447-8077
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
4.15
16 reviews
Speedy Cash
7112 Ed Bluestein Blvd Ste 177, Austin, TX 78723 show on map
permanently closed
4.00
40 reviews
Speedy Cash
2030 E Oltorf St #102 B, Austin, TX 78741 show on map
permanently closed
3.95
19 reviews
Speedy Cash
6702 S Congress Ave, Austin, TX 78745 show on map
permanently closed
3.90
62 reviews
Speedy Cash
7201 Cameron Rd, Austin, TX 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
3.80
18 reviews
Speedy Cash
9616 N Lamar Blvd #199, Austin, TX 78753 show on map
permanently closed
3.50
61 review
Speedy Cash
11643 Research Blvd Ste B, Austin, TX 78759 show on map
permanently closed
3.30
15 reviews
Speedy Cash
2818 S Lamar Blvd, Austin, TX 78704 show on map
permanently closed
3.25
64 reviews
Ace Cash Express
730 W Stassney Ln, Austin, TX 78745 show on map
tel: 512-447-9371
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–8PM
Saturday: 9AM–6PM
Sunday: Closed
3.25
27 reviews
Speedy Cash
5532 Manchaca Rd, Austin, TX 78745 show on map
permanently closed
3.20
22 reviews
Speedy Cash
11300 Pollyanna Ave Ste C, Austin, TX 78753 show on map
permanently closed
3.20
18 reviews
Speedy Cash
3840 Airport Blvd, Austin, TX 78722 show on map
permanently closed
2.65
63 reviews
Ace Cash Express
5341 Cameron Rd, Austin, TX 78723 show on map
tel: 512-458-5498
Hours:
Monday: 9AM–8PM
Tuesday: 9AM–8PM
Wednesday: 9AM–8PM
Thursday: 9AM–8PM
Friday: 9AM–8PM
Saturday: 9AM–6PM
Sunday: Closed
2.65
7 reviews
Speedy Cash
2237 E Riverside Dr Ste 101 D, Austin, TX 78741 show on map
permanently closed
2.60
68 reviews
Ace Cash Express
2237 E Riverside Dr, Austin, TX 78741 show on map
tel: 512-447-5682
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–8PM
Saturday: 9AM–6PM
Sunday: Closed
2.60
60 reviews
Ace Cash Express
8501 Burnet Rd, Austin, TX 78757 show on map
tel: 512-458-3747
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–8PM
Saturday: 9AM–6PM
Sunday: Closed

Latest Reviews

Ben Lassiter
5 / 5 Nov 26, 2021
about TitleMax's office
10010 Manchaca Road, Austin, TX 78748
Nia X
5 / 5 Nov 23, 2021
about TitleMax's office
8929 N. Lamar Blvd., Austin, TX 78753
Felicity Dukes
5 / 5 Nov 21, 2021
about TitleMax's office
7901 Cameron Rd. Suite 5A, Austin, TX 78754
Ray G.
1 / 5 Apr 20, 2021
about Speedy Cash's office
11300 Pollyanna Ave Ste C, Austin, TX 78753
Red R.
1 / 5 Apr 18, 2020
about Ace Cash Express's office
8501 Burnet Rd, Austin, TX 78757
God's C.
2 / 5 Dec 19, 2019
about Speedy Cash's office
11300 Pollyanna Ave Ste C, Austin, TX 78753

I suppose, this is a good place even though they charge so much. I have never appeared in the situation when I'm completely out of cash. But you never know. I am just glad that there are such places where you can go and solve everything in no time. ...

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 vivid advantage of this service. Also it is easy to apply for, transparent without any difficult points and questions. And it is accessible any time, so you may apply at any time of the day and can expect money to come in several hour or maximum the next day depending on the application time. I’m satisfied! Thanks! ...

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 was told that I had to pay back only the amount plus interest in total while repaying the amount to the company, but I was betrayed. They forced me to pay off so huge sum so that ever since then I never tried or trusted a cash advance company online or offline. Three weeks ago, my wife fell sick and doctor told me that her treatment would cost total of $8000 every month. I had some money in the bank, I thought to withdraw all side-by-side request them to provide me a loan of $5500. I was off to submitting the application, just then they told me that the interest rate would be 13.50% percent per installment. It was too huge to afford, I changed my mind and thought to turn to a payday loan company. This is when this company helped me. I borrowed from them twice and stayed pleases. I am being supported wonderfully and given loan on the right time. The interest of installment being very lower as compared to bank, I can manage to pay them back easily every month. I am strongly recommending them as they are the best company in the world. ...

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

Payday Loans in Austin

Particularly, payday loan lenders are okay in Austin, as well as in the rest of Texas. There are about 100 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. 

Regulation

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

Payday Loan Local Limitation

City Code Title 25 (Land Development Code)

  • Resolution No. 20110818-079
  • Adopted on August 18, 2011
  • Signed by Shirley A. Gentry (City Clerk)
  1. A distance between store locations – at least 1,000 feet;
  2. A distance between residential lot and store location – at least 200 feet;
  3. A distance between the rights-of-way of Interstate Highway 35, U.S. Highway 183, U.S. Highway 290, Texas StateHighway Loop 360, Texas State Highway Loop 1, and Texas StateHighway 45 and payday loan store location – at least 500 feet;
  4. Stores are prohibited in the East Austin, Waterfront, or University Neighborhood overlay districts.
  5. Store must be only in a freestanding building.

Austin Payday Loan City Ordinance

  • Ordinance No. 20110818-075
  • Passed on August 18, 2011
  • Signed by Shirley A. Gentry (City Clerk), Lee Leffingel (Mayor), Karen m. Kennard (City Attorney)

The payday loan city ordinance was enacted in 2012 (amended in 2015). When issuing a payday loan, lenders (Credit Access Businesses) must comply with the following obligations:

  • Lenders must be licensed by the City of Austin, and the license must be publicly visible.
  • Copies of documents to be signed by the client should be provided upon request.
  • The lender cannot issue a loan to a client if it exceeds 20% of his gross monthly income.
  • The lender is obliged to check the client’s income: paychecks, a letter from the employer, tax return can be used for this.
  • For installment payday loans – 4 equal installments max, no refinance and renew options for installment loans.
  • For single-payment payday loans – 3 renews or refinances max, the minimum payment for renewal must reduce the principal amount of the loan by 25%.
  • The total amount of the loan includes all charges (principal, fees, rates).

For Complaints in Austin:

City of Austin Telecommunications & Regulatory Affairs

1. Call Number: 3-1-1 or 512.974.2000
2. Send a payday loan complaint online here.

State of Texas Office of Consumer Credit Commissioner
www.occc.texas.gov/consumers, call 800.538.1579

Payday Loans Alternatives in Austin

Austin Payday Loan Stats

  • The 2012 year, consumers in the Austin area spent $33 mill spent in payday and auto-title loans;
  • The 2019 year, in the Austin-Round Rock-San Marcos area, were 97 store locations that made the next numbers:
    • the amount of new payday loans was $42 mln
    • fee charges were $55 mln
    • refinances were $45 mln
    • the average loan term for a single payday loan was 17 days
    • the average loan term for an installment payday loan was 169 days
    • the average fee for every $100 single payday loan was $22
    • the average fee for every $100 installment payday loan was $167

Office Locations vs Household Income

Census.gov Data of Households Income as of 2019 and Offices Distribution as of 2021.
Legend:
Less than $25,000
$25,001 - $50,000
$50,001 - $75,000
$75,001 - +$100,000

Austin is the state capital of Texas, an inland city bordering the Hill Country region. It has 40 payday loan stores. The average household income is large but still, there are a greater number of payday loan stores. Let’s understand the relationship between the average household income and the number of payday loan stores.

According to the map, the Northern side of Austin has a greater number of loan stores as compared to the south side of the city. The area covering sunset valley (southern Austin) which has an average household income of $50,000 has a greater number of loan stores. Additionally, the area around the east riverside has an average income of $40,000 with a higher density of loan stores. The area that covers Zilker park, Barton Hills, Tarrytown, and nearby have an average income of $100,000 and there are no payday loan stores available. The area towards North Austin has an average income of $55,000 and has payday loan stores. Mueller, Windsor Park, and Cherrywood areas have higher average income i.e., around $60,000. Hence, it is clear from the map that the areas with the smaller average income have a greater number of payday loan stores as compared to the areas which have larger average incomes.

Questions/Answers


Austin General Information

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.

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 the 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, the 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. Homeownership 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 the 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.  

Austin Residents Debt-to-Income Ratios
Austin residents have 712 median credit score and the average number of late payments is about 3.66. Below represented DTI (Debt-to-Income) ratios shows how Austin residents debts stacks up against their income. As of 2020.
Credit Card DTI
6.11%
Mortgage DTI
415.26%
Car Loan DTI
28.84%
Student Loan DTI
40.50%
Austin Residents Financial Statistics
Below represented statistics is for Austin, Travis County, Texas. As of 2019.
Median age of Austin's residents, years
33
Labour force participation rate, %
73.8%
Unemployment rate, %
3.7%
% of residents with no health insurance
13.6%
Median individual income, USD
$39,418
Median household income, USD
$71,576
% of households with income under $35,000
23.0%
% of households with income $35,000 - $75,000
29.1%
% of households with income $75,000 - $100,000
12.3%
% of households with income over $100,000
35.6%
% of households that own their residence
45.1%
Median home value owned by residents, USD
$337,187
Median rent cost, USD
$1,280
Rent Burden, %
29.0%
Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
Texas Flag
Austin, TX
Payday Loans are legal* in Texas.
Store
29 Local Stores
Company
3 Companies
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6650 Reviews
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