Get a Payday Loan in Plano, TX
Three minutes to request, no fee, and no obligation to accept any offer. Texas does not cap payday costs — compare every offer before you sign.
Loading your secure request form…
Texas loan rules at a glance
| Rule | Texas limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | No statewide dollar cap |
| Maximum term | Typically 7 to 180 days |
| Finance charge cap | NONE — Texas does not cap CAB fees or APR |
| Rollovers | No statewide rollover limit (some Texas cities limit rollovers by local ordinance) |
| Cooling-off period | No statutory cooling-off period confirmed under Texas law |
| Statute | Texas Credit Access Business law (Credit Services Organizations) — Tex. Fin. Code Ch. 393 & Ch. 342; 7 TAC Ch. 83 |
Source: Texas Office of Consumer Credit Commissioner (OCCC) · Rules verified July 15, 2026
Before you apply
No. The matching service is free for borrowers. You only ever pay the lender and the credit access business, under the terms written in the loan agreement you accept.
Yes. Your request is encrypted in transit and shared only with the lenders reviewing your request. We never sell your data to unrelated third parties.
Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.