Houston, TX · South · CSO model
Payday loans in Houston
Houston 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 Houston
2,303,482 residents · Fort Bend County / Harris County / Montgomery County Median household income is $46,187 — below the Texas median of $59,624.
128 storefront locations of 53 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 |
|---|---|---|---|
| 100 Day Loans Check Cashing/Pay-day Loans, Installment Loans | 700 Milam Ste 1303, 77002 | (855) 982-3145 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2533 Southmore Blvd, 77004 | (713) 520-0655 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6464 W Little York Rd Inwood Village, 77091 | (713) 466-0198 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Tax Services, Installment Loans | 11840 Westheimer Rd, 77077 | (281) 584-9823 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4507 Cypress Creek Pkwy, 77069 | (281) 444-2714 | Mon 9:00 AM - 8:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2802 N Shephard Dr Ste 200, 77008 | (713) 861-0748 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 14658 Woodforest Blvd, 77015 | (713) 451-7002 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 9281 S Main St, 77025 | (832) 778-1346 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 7580-A West Bellfort Rd, 77071 | (713) 270-0479 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 6824 Highway 6 S Ste E3, 77083 | (281) 983-5365 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 8574 Westheimer Rd., 77063 | (713) 532-4175 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 13139 Veterans Memorial Dr, 77014 | (281) 893-5360 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 10511 Eastex Fwy, 77093 | (713) 691-3462 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 12430 Tomball Pkwy Ste C, 77086 | (281) 272-6734 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 10870 Fm 1960 Rd W, 77070 | (281) 477-8741 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 453 Uvalde Rd, 77015 | (713) 330-8207 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 2348 Fry Rd, 77084 | (281) 398-6775 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 991 East Nasa Rd, 77058 | (281) 990-6630 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4500-A Hwy 6 N, 77084 | (281) 858-7980 | Mon 10:00 AM - 6:00 PM · hours vary |
| American Finance Installment Loans | 7230 Fairway Dr Ste C, 77087 | (713) 921-5626 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| American Financial Marketing Group Investing, Installment Loans, Life Insurance | 700 Louisiana St Ste 3950, 77002 | (866) 679-9241 | Hours not listed |
| B & F Finance Installment Loans, Title Loans | 7012 Woodridge Dr, 77087 | (713) 649-6800 | Mon 8:30 AM - 6:00 PM · hours vary |
| Barri Financial Group Check Cashing/Pay-day Loans, Installment Loans, Auto Insurance | 7251 Bissonnet St, 77074 | (713) 239-1959 | 9:00 AM - 8:00 PM daily |
| Barri Financial Group Currency Exchange, Check Cashing/Pay-day Loans, Installment Loans | 9030 N Freeway, 77037 | (281) 416-4030 | Hours not listed |
| Birchwood Loans Installment Loans | Houston, 77007 | (832) 358-3290 | 5:00 AM - 5:00 PM daily |
Showing 25 of 128 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 Houston
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 Houston 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 Houston
How do payday loans work in Houston, TX?
Houston 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 Houston?
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 Houston?
128 storefronts are listed in Houston in our 2022-02-20 directory snapshot (53 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Houston?
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.