Dallas, TX · South · CSO model
Payday loans in Dallas
Dallas is governed by Texas's statewide lending law — cities don't set their own loan rules. Texas runs a credit services organization (CSO) model: lenders operate through licensed brokers, which changes how fees appear on paper — the loan math below shows what that means in practice.
Compare the total you repay — broker fee plus the note — never the headline note rate.
Lending storefronts in Dallas
1,317,929 residents · Collin County / Dallas County / Denton County / Kaufman County / Rockwall County Median household income is $43,781 — below the Texas median of $59,624.
52 storefront locations of 29 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Ace Cash Express Check Cashing/Pay-day Loans | 1604 Elm St Ste A, 75201 | (214) 742-9428 | Hours not listed |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1120 W Camp Wisdom Rd, 75232 | (972) 224-8074 | Mon 9:00 AM - 7:00 PM · hours vary |
| American Finance Installment Loans | 5430 E Grand Ave Ste B, 75223 | (214) 826-8687 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| American Finance Installment Loans | 421 W Jefferson Blvd, 75208 | (214) 948-7310 | Mon–Fri 8:00 AM - 5:30 PM · Sat–Sun Closed |
| Atlas Credit Co Installment Loans | 2247 S Buckner Blvd Ste 122, 75227 | (214) 381-0790 | Hours not listed |
| Atlas Credit Co Installment Loans | 324 W Jefferson Blvd, 75208 | (214) 941-3752 | Hours not listed |
| Banner Finance of Dallas Installment Loans | 240 Wynnewood Plz, 75224 | (214) 941-9898 | Mon 8:30 AM - 5:30 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4701 Frankford Rd Ste 213, 75287 | (972) 248-4100 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 13249 Montfort Dr, 75240 | (972) 934-1682 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3797 Forest Ln Ste 105A, 75244 | (972) 241-7855 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 9208 E R L Thornton Fwy Ste 207B, 75228 | (214) 321-0587 | Mon 9:00 AM - 7:00 PM · hours vary |
| Check N Title Loans Check Cashing/Pay-day Loans, Title Loans | 1606 Abrams Rd Ste 104, 75214 | (817) 277-7305 | Mon 10:00 AM - 6:00 PM · hours vary |
| Check N Title Loans Check Cashing/Pay-day Loans, Title Loans, Gold Buyers | 7016 Greenville Ave, 75231 | (214) 891-0500 | Mon 10:00 AM - 6:00 PM · hours vary |
| Check N Title Loans Check Cashing/Pay-day Loans, Title Loans, Gold Buyers | 3211 W Northwest Hwy Ste 400, 75220 | (214) 352-6630 | Mon 10:00 AM - 6:00 PM · hours vary |
| Check N Title Loans Check Cashing/Pay-day Loans, Title Loans, Gold Buyers | 3821 S Buckner Blvd, 75227 | (214) 381-5200 | Mon 9:00 AM - 6:00 PM · hours vary |
| Check N Title Loans Check Cashing/Pay-day Loans, Title Loans, Gold Buyers | 3906 W Camp Wisdom Rd Ste 101, 75237 | (972) 701-0080 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cliff's Check Cashing Check Cashing/Pay-day Loans, Installment Loans, Mailbox Centers | 2800 W Northwest Hwy, 75220 | (214) 357-9953 | Open 24 hours daily |
| Cliff's Check Cashing Installment Loans, Check Cashing/Pay-day Loans | 2726 Samuell Blvd Ste B, 75223 | (214) 827-2543 | Mon 9:00 AM - 8:00 PM · hours vary |
| Cliff's Check Cashing Check Cashing/Pay-day Loans, Installment Loans, Mailbox Centers | 1416 S Buckner Blvd Ste C, 75217 | (214) 391-1147 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cliffs Check Cashing Installment Loans | 318 S Hampton Rd, 75208 | (214) 946-4044 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cliffs Check Cashing #16 Installment Loans, Check Cashing/Pay-day Loans | 11111 Walnut Hill Ln, 75238 | (214) 348-5453 | Mon 9:00 AM - 9:00 PM · hours vary |
| East Dallas Installment Loans Installment Loans | 4535 Jamaica St, 75210 | (469) 300-0131 | Open 24 hours daily |
| First National Finance Installment Loans, Auto Loan Providers | 5301 Alpha Rd Ste 80, 75240 | (877) 752-7776 | Hours not listed |
| Green Touch Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 5050 Quorum Dr, 75254 | (800) 424-2789 | Open 24 hours daily |
| Installment Loans Dallas Check Cashing/Pay-day Loans | 325 N St Paul St, 75201 | (214) 377-0414 | Hours not listed |
Showing 25 of 52 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Texas page before visiting. Spot an error? Report it.
The online route in Dallas
Texas online lenders run the same CSO math as storefronts — broker fee on top of the note — when they are licensed in the state. Loans routed through partner banks or tribal charters sit outside the state schedule, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Texas regulator.
The rules behind the numbers
Credit Access Businesses (CABs) charge fees for arranging loans with third-party lenders, resulting in high-cost short-term credit.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 400% - 600% APR. Every compliant lender in Dallas has to fit inside that schedule.
Statute: Tex. Fin. Code Ch. 393
Regulator: Texas Office of Consumer Credit Commissioner · occc.texas.gov
Questions people ask in Dallas
How do payday loans work in Dallas, TX?
Dallas operates under Texas's CSO (credit services organization) model: a licensed broker arranges the loan with a third-party lender and adds a broker fee on top of the note. The note rate looks lower; the broker fee is where the real cost sits.
What does a CSO-arranged loan cost in Dallas?
On a $300 advance you repay about $360 once the broker fee and the note are both settled — roughly 400% - 600% APR on a standard term. The math is set by state law, so it is the same in every Texas city.
Which CSO storefronts are in Dallas?
52 storefronts are listed in Dallas in our 2022-02-20 directory snapshot (29 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Dallas?
Complaints about a lender go to the Texas Office of Consumer Credit Commissioner (occc.texas.gov) — keep the loan agreement and every fee disclosure you were given.