Spring, TX · South · CSO model
Payday loans in Spring
Spring 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 Spring
54,992 residents · Harris County Median household income is $66,484 — above the Texas median of $59,624.
7 storefront locations of 4 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 | 1401 Spring Cypress Rd Ste 103, 77373 | (281) 288-3680 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 261 Sawdust Rd, 77380 | (281) 419-3226 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2150 FM 2920 Rd Ste 600, 77388 | (281) 288-2772 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5675 Treaschwig Rd, 77373 | (281) 821-0861 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 16702 Stuebner Airline Rd Ste C, 77379 | (281) 320-1958 | Mon 9:00 AM - 7:00 PM · hours vary |
| MP Merchant Solution Installment Loans | 119 South Timber Top Dr, 77380 | (281) 367-1346 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Texas Car Title & Payday Loan Services Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 25811 Interstate 45, 77380 | (281) 292-0425 | Mon 10:00 AM - 7:00 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 Spring
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 Spring 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 Spring
How do payday loans work in Spring, TX?
Spring 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 Spring?
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 Spring?
7 storefronts are listed in Spring in our 2022-02-20 directory snapshot (4 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Spring?
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.