5 Best Payday Loan Lenders in Dallas, Texas

5 Best Payday Loan Lenders in Dallas, Texas
Author : Chris Morgan
Updated on : July 18th, 2022

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Known as the “Big D”, Dallas, Texas is a bigger-than-life city known for its iconic football team, the Dallas Cowboys, oil wells, and barbecue. 

However, When it comes to debt, the old saying that  “Everything Is Bigger in Texas” is appropriate. A national financial capability study conducted by the Financial Industry Regulatory Authority (FINRA revealed significant financial disparities for Texan residents with 48% lacking savings and 39% paying only the minimum on their credit cards.

It can be difficult to pay down debt while meeting the costs of daily living, but holding on to debt only leads to increased financial obligations due to interest and fees. It is for this reason that payday loans are a quick short-term financial solution. 

The following are the 5 best payday loan lenders in Dallas, Texas. We’ve also answered some commonly asked questions about payday loans for your knowledge.


Are Payday Loans Legal in Dallas, Texas?

Payday loans are legal in Dallas with stipulations. While Texas has payday loan regulations, according to Texas Municipal League, there are several cities in Texas, including Dallas, that have adopted their own payday loan ordinances to enforce stricter payday loan statutes and to help borrowers with the successful repayment of payday loans.

Some of the legalities of payday loans in Dallas include:

  • Payday loan amounts can’t be more than 20% of the borrower’s gross monthly income.
  • Payday loans can’t have more than four installments.
  • A maximum of three payday loan renewals/rollovers are allowed.
  • Payday loan terms are determined by the amount borrowed in multiples of $10 or $20.

Payday loans are a feasible short-term financial solution when you borrow only what you can repay comfortably.


The 5 Best Payday Loan Lenders in Dallas

The following are the 5 best payday loan lenders in Dallas. Please note that guaranteed payday loans are not available from these companies. Payday loan approvals are subject to meeting specific income, identification, and residency requirements. However, obtaining a payday loan is usually easier than other loan options.

LendYou Logo

Since 2005, LendYou has helped people get the loan funding they desire in Dallas and throughout Texas. As a broker, LendYou provides access to numerous lenders via its platform helping connect you to the lender that provides the optimal payday loan under the terms and conditions that are most suitable for you. So, if you are in the market for a payday loan, LendYou makes payday loan shopping easy.

LendYou comes highly recommended for payday loans because

  • Excellent customer service.
  • Quick loan approvals.
  • Bad credit is not an issue.
  • Transparency regarding rates and services.
  • Flexible loan amounts and rates.

Learn more about LendYou’s payday services with our LendYou Complete Review.

Max Cash Title Loans Logo

Coming in second place for payday loan services is Max Cash. Similar to LendYou, they are an online payday loan broker connecting people with payday loan lenders on their convenient and easy-to-use platform. For more than 10 years, Max Cash has helped millions of people obtain the loan products and financial services they desire. 

The MaxCash platform offers access to an array of lenders providing payday loan services. This platform is like a one-stop-shop for payday loan services making it easier to compare payday companies so that you can choose the best payday loan provider for your specific needs. 

Max Cash is a go-to option for payday loans because:

  • Easy, convenient access to payday lenders.
  • Superior customer service.
  • Financial education through informative articles.

Discover more about this payday broker with our Max Cash Payday Loans Full Review & Guide.

Check n Go Logo

With 25 years of financial services experience, Check `n Go has helped numerous people get the payday loans they desire. With over 46 million loans serviced and 600 locations in the United States, this company has a solid reputation as a legitimate payday loan provider. 

Here are some reasons why you should consider Check ‘n Go for your next payday loan:

  • Convenient, easy online application that can be completed in minutes.
  • Get your payday funds deposited to your bank account as soon as the next business day.
  • Use Check ‘n Go’s online P360 account to manage all aspects of your payday loan from signing loan documents, viewing loan agreements, and tracking your payday loan balance. 

Contact Information:

  • Address: 4010 Ross Avenue, Dallas, TX 75204
  • Phone: (214) 827-0797
CashMax Title & Loan Logo

Since 2003, CashMax Title & Loan has provided a variety of financial services in the form of payday, installment, and title loans. With locations in 29 states, CashMax makes it easy to get a payday loan by allowing customers to begin the payday loan process online and completing the application in person. Depending on your income, you could be approved for a payday loan from $15-$1,500.   

We like CashMax for payday loans because:

  • Customers can get a head start on the application process by filling out the online form. Upon completion, a member of the CashMax team will reach out to complete the payday loan process.
  • Convenient locations in the greater Dallas metro area to serve you.
  • A trustworthy, experienced team of loan professionals on hand to guide you through the payday loan process and answer all your questions.

Contact Information:

  • Address: 5200 Lemmon Ave #106, Dallas, TX 75209
  • Phone: (214) 528-9300
ACE Cash Express Logo

Since 1968, Ace Cash Express has offered several financial services such as cash advances and loans to check cashing and tax services. This company makes it easy to get the payday loans you want with both online and in-person payday loan applications. With over 50 years of experience and a solid A+ rating from the Better Business Bureau, you know that Ace Cash Express is a reputable provider of payday loan services. 

When you seek a payday loan from Ace Cash Express you’ll get:

  • Cash is available instantly in-store or overnight with online applications.
  • Get your funds fast-overnight direct deposit with online applications and cash-in-hand with in-person applications.
  • A 72-hour return window letting your return loan funds without incurring fees and charges.
  • Ace Cash Express has a 72-hour window that allows consumers to return loan funds without incurring charges and fees.
  • Convenient full repayment of payday loan on your scheduled payday.

Contact Information:

  • Address: 3418 Oak Lawn Ave, Dallas, TX 75219
  • Phone: (214) 520-2274

Do Payday Loans in Dallas Have Instant Approval?

Instant payday loans online with guaranteed approval are not available. Lenders require that potential payday borrowers meet specific requirements to receive a payday loan. Since credit checks are not required for a payday loan, lenders use other qualifying information such as personal identification, pay stubs, and a valid checking account. This qualification process ensures the lender that the payday borrower is able to repay the funds. 

Due to these requirements, not everyone will qualify for a payday loan which is why payday loan companies do not offer instant approvals. 

For more information on why instant approval payday loans aren’t available, check out payday loans online with instant approval.


What Is The Easiest Payday Loan To Get Online?

All payday loans require an application process, and some offer several options for getting a payday online. There are some that offer a completely online payday loan process. Others allow you to start the payday loan process online and then require that you visit a location to complete the payday loan process. 

You can simplify the payday loan process by gathering all the required documentation in advance such as proof of income, checking account information, and proof of identity to accelerate the payday loan process. For more information contact LendYou.


Do You Need A Credit Check For a Payday Loan in Dallas, Texas?

Payday loans are a popular short-term financing option because they do not require a credit check. As long as you are able to provide the required income, identity, and banking information, you are well on your way to receiving a payday loan. It is important to note that payday loan companies do require a valid bank account in order to consider applicants for a payday loan. This is because the payday loan company will present a post-dated check for repayment of the payday loan to the applicant’s bank account. 


If you are seeking a payday loan but think that you do not meet the bank account qualification, check out our post on Best Checking Accounts For Bad Credit for more information about obtaining bank accounts when your credit is less than stellar. 


What Are the Requirements for Payday Loan in Dallas, Texas

Payday loan requirements in Dallas are determined by both state regulations and local city ordinances. The general Texas regulations that apply to payday loans in Dallas include:

  • Proof of income (pay stubs, award letters, etc.).
  • A current, active bank account that has at least 30 days of transactions.
  • A driver’s license or state-issued ID.

In an effort to protect payday borrowers, Dallas and 44 other cities in Texas passed a unified payday loan ordinance in 2011 that enforces stricter payday loan requirements than the existing state-wide Texas payday regulations. UStatesLoans details the main qualifications of the local ordinance in Dallas for payday loans which include:

  • Payday loan lenders must have a license to operate in Dallas.
  • Lenders must keep current records of all loan transactions.
  • The total amount of a payday loan (including fees) cannot exceed 20% of the borrower’s income.
  • Payday loan providers that violate these regulations must pay a $500 fee.

Title Loans as Alternate Fast Cash Option

A title loan allows you to use your car as collateral for a cash loan. You hand over your car title to the title loan company in exchange for cash. You’ll be able to continue driving your car while you pay off the title loan. Your car title will be returned to you when you pay off the title loan. However, if you default on the loan payments, the title loan company will keep your car title and seize your car for repayment of the loan.

To find out more about how title loans work and whether it is a feasible short-term financing option for you check out our post on the best title loan companies in the United States.


Conclusion and Next Steps

If you are in need of fast cash without much hassle, consider a payday loan. While there are a number of companies offering payday loan services throughout Dallas, it is important for you to select a reputable payday company that you can feel good about. The companies suggested above have proven track records in providing quality payday loan services in Dallas.

To help you begin your payday loan application, we suggest visiting LendYou to find a quality payday loan company. LendYou is a reputable online broker known for connecting payday loan seekers with quality payday loan lenders so that you can acquire the funds you need with ease.


When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.


About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.


Learn more about Chris Morgan


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