Denton, TX · South · CSO model
Payday loans in Denton
Denton 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 Denton
133,808 residents · Denton County Median household income is $49,100 — below the Texas median of $59,624.
11 storefront locations of 10 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 |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1400 S Loop 288 Ste 114, 76205 | (940) 383-9695 | Mon Closed · hours vary |
| B&F Finance Installment Loans | 318 E Oak St Ste 140, 76201 | (940) 566-0300 | Mon 8:30 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1601 Brinker Rd Unit 103, 76208 | (940) 591-6899 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cliff's Check Cashing Check Cashing/Pay-day Loans, Installment Loans, Mailbox Centers | 214 W University Dr, 76201 | (940) 565-6663 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cliff's Check Cashing Check Cashing/Pay-day Loans, Installment Loans, Mailbox Centers | 718 Fort Worth Dr, 76201 | (940) 383-2735 | Mon 9:00 AM - 7:00 PM · hours vary |
| Continental Credit Installment Loans | 605 Sunset St, 76201 | (940) 387-3828 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Econo-Loans Insurance, Installment Loans | 326 E McKinney St Ste H, 76201 | (940) 566-6639 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| Lendmark Financial Services Auto Loan Providers, Financial Advising, Installment Loans | 2215 S Loop 288 Ste 327, 76205 | (940) 566-5888 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Lone Star Ag Credit Installment Loans | 3905 Morse St, 76208 | (940) 566-1626 | Mon 8:00 AM - 4:30 PM · hours vary |
| Security Finance Installment Loans | 605 Sunset St, 76201 | (940) 387-3828 | Mon 9:00 AM - 5:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 400 W University Dr, 76201 | (940) 380-8739 | Mon 8:00 AM - 8:00 PM · hours vary |
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 Denton
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 Denton 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 Denton
How do payday loans work in Denton, TX?
Denton 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 Denton?
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 Denton?
11 storefronts are listed in Denton in our 2022-02-20 directory snapshot (10 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Denton?
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.