Payday Today is a licensed Texas Credit Access Business arranging cash advances from $100 to $1,800, with same-day funding options, a fully online process, and every fee disclosed before you sign.
What Are Cash Advance Loans in Texas?
A cash advance in Texas is a short-term loan built for urgent expenses that can’t wait for your next paycheck. Amounts range from $100 to $1,800, and approved funds may arrive the same day by debit card transfer or direct deposit to your bank account.*
Texas structures these loans differently than most states. Cash advances here are arranged through a licensed Credit Access Business rather than issued directly by the company you apply with. Payday Today operates as the CAB: we take your application, match it with a third-party lender from our network, and walk the loan through to funding. Every fee is itemized in writing before you sign, and your payment due dates are set to match how often you are paid: five payments if you are paid monthly, ten payments if you are paid weekly, biweekly, or semi-monthly.
*Terms and conditions vary by location and applicable regulations. The Credit Access Business (CAB) fee is considered a finance charge for APR calculation purposes. Not available to borrowers covered under the Military Lending Act (MLA).
The whole process runs online, from the application to the money landing in your account. Nothing to mail, nothing to print, no store visit at any stage. Here is what it looks like for a Texas borrower.
1
Apply Online in Minutes
Fill out our simple online application in about 5 minutes. No complicated paperwork, no long forms just basic information to get started.
2
Get an Approval Decision Fast
Once submitted, your application is reviewed quickly. We work with multiple lenders to help match you with an option that fits your situation even if your credit isn’t perfect.
3
Receive Funds
Today
After approval, funds are sent via direct deposit or debit card transfer, often the same day. You’ll have access to cash when you need it most.
Cash Advance vs Payday Loan
In Texas, a cash advance and a payday loan are the same product under two names. Both are arranged through a licensed Credit Access Business, both run from $100 to $1,800, both fund the same day for approved applicants, and both follow identical fee and repayment terms. The real choice in Texas is between this product and an installment loan, which is where the two structures actually diverge.
| Cash Advance | Payday Loan | |
|---|---|---|
| Best for | One-time urgent expenses | Bridging a gap to your next paycheck |
| Loan amount | $100 to $1,800 | $100 to $1,800 |
| Repayment | Fees due each payment period, principal paydown at your discretion | Fees due each payment period, principal paydown at your discretion |
| Loan term | 5 payments (monthly income) or 10 payments (weekly, biweekly, semi-monthly) | 5 payments (monthly income) or 10 payments (weekly, biweekly, semi-monthly) |
| Cost structure | $25 CAB fee per $100 borrowed each payment period, plus 9.90% annual interest | $25 CAB fee per $100 borrowed each payment period, plus 9.90% annual interest |
| Funding speed | Same day available for approved applicants | Same day available for approved applicants |
| How it’s arranged in Texas | Through a licensed CAB | Through a licensed CAB |
Since the two names describe one product, the decision that actually matters is cash advance versus installment loan. A cash advance requires only the fees each period and leaves the principal paydown to you, which keeps individual payments low but means the balance can still be owing at the end of the term. An installment loan builds a set paydown into every payment so the balance reaches zero on the final one.
Loan Amounts & Terms
We help connect Texas residents with cash advances ranging from:
- $100 to $1,800
Example Loan
- Borrow: $250, paid every two weeks
- Payment amount: $63.45 per period ($62.50 CAB fee plus $0.95 interest)
- Term: 10 payments
- Pay in full on your first due date: $313.25 total
- Carry the balance across all 10 periods: about $634 in fees and interest, with the $250 principal still owing
- Every figure appears in your Truth in Lending Disclosure before you sign
The CAB fee of $25 per $100 borrowed applies to each payment period rather than once per loan, and 9.90% annual simple interest accrues daily on the outstanding balance. Cash advance payments cover the fees, so paying down principal along the way is what reduces both your balance and your future fees. Paying off early carries no penalty at any point.
Repayment Options
- ACH automatic withdrawal
- Debit card repayment
- Scheduled to your income frequency: monthly, semi-monthly, biweekly, or weekly
All terms are clearly outlined before you accept the offer, including a full Truth in Lending disclosure.
Late and Returned Payment Fees
Two charges apply outside the standard fee structure. A late fee of $7.50 or 5% of the payment, whichever is greater, applies once a payment is ten or more days past due. A payment returned for any reason carries a $30 dishonor fee. Contacting us before a due date at 888-212-5565 is always cheaper than missing one.
Eligibility Requirements
To qualify for a Texas cash advance, you typically need:
- Active cell phone number
- Valid government-issued photo ID
- Bank-issued debit card
- Active checking account with direct deposit
✔ No in-store visit required
✔ Fully online process
Prepaid card accounts do not qualify, and federal law prevents lending to active-duty military members and their dependents. Credit history is reviewed but income and ability to repay matter more.
Why Texans Choose Payday Today for Cash Advance Loans
A licensed Texas CAB with a fully online process removes most of the friction people expect from short-term borrowing. Here is what borrowers get with every cash advance we arrange.
Same-Day Funding
Get access to money quickly, often within hours of approval.
No Store Visits
Everything is handled online from start to finish.
Bad Credit Considered
We work with a network of lenders, increasing your chances of approval.
Automatic Repayment
Convenient ACH payments help you stay on track.
No Prepayment Penalty
Pay off your balance early without extra fees.
100% Online Experience
Apply anytime, anywhere, with no paperwork required.
Cash Advance Loan Frequently Asked Questions
These cover the terms borrowers ask about most often: due dates, total cost, fees, and what happens if a payment goes wrong. Every one of these figures is confirmed in writing before you sign anything.
What is a Cash Advance Loan?
A Cash Advance Loan is a short-term loan between $100 and $1,800, designed to help bridge the gap between paydays.
When is the loan due?
Your due dates match your income schedule. Monthly income means five payments due on the day you are paid each month. Weekly, biweekly, and semi-monthly income means ten payments on your pay dates. Weekly-paid borrowers are scheduled as if paid biweekly.
How soon can I get my money?
Once approved, you can receive your funds the same day via debit card or direct deposit to your checking account.
What do I need to qualify?
An active personal cell phone, a valid photo ID, a bank-issued debit card, and an active checking account with direct deposit. The process is simple and completed entirely online.
How do I repay my loan?
Payments are made automatically by ACH or debit card, so you never need to visit a store. We’ll send reminders to keep you on track and offer payment options instead of payment in full if needed.
Can I extend or renew my loan?
If the principal is not paid to zero by your final scheduled payment, the loan refinances with a new fee based on the remaining balance. Paying down principal during the term reduces both the balance and every fee that follows. If you are having trouble with a payment, contact us before the due date at 888-212-5565 and we will go over the options with you.
Can I pay off early?
Yes. And there’s no prepayment penalty, ever.
How much does a Cash Advance cost?
The cost is $25.00 for every $100 borrowed, charged each payment period, plus 9.90% annual simple interest accruing daily. On a $250 advance paid every two weeks, each payment is $63.45. Paying in full on your first due date brings the total to $313.25. Carrying the balance across all ten periods costs about $634 in fees and interest, with the $250 principal still owing unless you have paid it down.
Will this affect my credit?
We don’t report Cash Advance Loans to credit bureaus. However, if your account is sent to collections, the agency may report the debt to major credit bureaus.
Are all fees disclosed upfront?
Yes. Before you sign, you’ll receive a Truth in Lending Disclosure showing all fees, interest, and the total repayment amount.
What happens if I pay late or a payment is returned?
A late fee of $7.50 or 5% of the payment, whichever is greater, applies once a payment is ten or more days past due. A payment returned for any reason carries a $30 dishonor fee.
Do you accept prepaid accounts?
No, we do not accept prepaid accounts such as Netspend, Varo, InsurCard Visa Prepaid Card, PayPal Prepaid Mastercard, the MyVanilla Prepaid Visa. However, you can always call 888-212-5565 to see if your debit card qualifies for a loan.
May I qualify for a loan if I am an active member of the Service or Reserves?
No, due to federal lending laws, we cannot loan to you if you are an active member or a dependent of an active member.
Cities We Serve
Every application is handled online, so coverage is statewide rather than tied to store locations. These are the metros we see the most volume from, though the same terms and funding timeline apply anywhere in Texas.
Houston
The largest share of our Texas applications comes from Harris County. Houston borrowers typically see same-day funding when approved before end of business.
Dallas
Dallas and the wider DFW metroplex are fully covered, with the same online application and funding options statewide.
San Antonio
Military City USA note: active-duty service members and dependents are excluded under federal law, but civilian San Antonio residents apply like anywhere else in Texas.
Austin
Austin is among the Texas cities with local payday ordinances, so loan amounts there may be capped relative to your monthly income. All terms are confirmed before signing.
Fort Worth
Tarrant County borrowers get the identical fully online process, with no store visit anywhere in the metro.
Arlington
Positioned between Dallas and Fort Worth, Arlington residents are covered under the same statewide service with no separate application.
Borrowing Responsibly in Texas
A cash advance is built for short-term needs, not long-term borrowing. A cash advance carries its fee every payment period, so a balance carried across a full term costs several times more than one cleared in a period or two, and any principal still owing at the end refinances into a new loan. If the amount you need would strain a single payday, an installment loan repaid over multiple scheduled payments is usually the better fit, and our Texas payday and installment loans page explains how the two compare.
Disclosures
We are a licensed Credit Access Business (CAB) operating under Texas law. We do not issue loans directly but connect consumers with third-party lenders.
- Fees and terms vary by lender
- Full disclosures provided before acceptance
- Subject to approval and eligibility
Full details for both Texas products are on our loan types, rates, and terms page.
Military Lending Act Notice:
This service may not be available to active-duty military members or their dependents.
Texas borrowers trust Payday Today for fast, transparent cash advances.
Get Started Today
Fast. Simple. Reliable.
