Sulphur Springs, TX · South · CSO model
Payday loans in Sulphur Springs
Sulphur Springs 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 Sulphur Springs
16,162 residents · Hopkins County Median household income is $38,000 — below the Texas median of $59,624.
7 storefront locations of 7 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 |
|---|---|---|---|
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1217 S Broadway St Ste B, 75482 | (903) 439-0501 | Mon 10:00 AM - 6:00 PM · hours vary |
| City Finance Installment Loans | 1013 Gilmer St Ste E, 75482 | (903) 438-2581 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Continental Credit Installment Loans | 1005 Gilmer St, 75482 | (903) 885-7649 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Freddy's Fast Cash Title Loans, Installment Loans | 629C Gilmer St, 75482 | (833) 373-3391 | Mon 10:00 AM - 7:00 PM · hours vary |
| Security Finance Installment Loans | 1005 Gilmer St, 75482 | (903) 885-7649 | Mon 9:00 AM - 5:00 PM · hours vary |
| Texas Car Title & Payday Loan Services Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1151 S Broadway St, 75482 | (903) 438-0356 | Mon 10:00 AM - 6:00 PM · hours vary |
| Western Finance Tax Services, Installment Loans | 109 Linda Dr Ste B, 75482 | (903) 439-4172 | Mon 8:00 AM - 5:00 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 Sulphur Springs
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 Sulphur Springs 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 Sulphur Springs
How do payday loans work in Sulphur Springs, TX?
Sulphur Springs 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 Sulphur Springs?
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 Sulphur Springs?
7 storefronts are listed in Sulphur Springs in our 2022-02-20 directory snapshot (7 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Sulphur Springs?
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.