Payday Loans Irving, TX – Compare Licensed Lenders (2026)

$$1800

Max Loan Amount

Active Lenders

15 min

Approval Time

$257K

Population

Irving, Texas, a vibrant city located in the Lone Star State, boasts a population of 256,684. Known for its diverse industries, residents enjoy an average income of $58,000, while benefiting from a cost of living that's 3% below the national average. Amid these economic dynamics, payday loans offer a flexible financial solution for those facing unexpected expenses. As a legal borrowing option in Texas, payday loans can be a lifeline when timing is crucial. Understanding the local economic landscape is essential for making informed financial decisions, especially when exploring short-term borrowing solutions like payday loans.

About Irving

Main Industries

$diverse industries

Avg Income

$$58,000

Cost of Living

$$-3% vs national avg

Texas Payday Loan Regulations

Max Loan Amount:$1,800

Max Term:30 days

Typical APR:No limit (typically 400-600%)

Finance Charge:20% of principal per month

Regulatory Body:Office of Consumer Credit Commissioner (OCCC)

Payday loans in Texas are legal and regulated. Lenders must be licensed by the OCCC. Borrowers are limited to refinancing a loan no more than 3 times.

Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Where to Find Payday Loans in Irving

In Irving, Texas, the payday loan landscape is primarily online, as there are currently no active storefront lenders in the city. This means residents must rely on digital platforms to access cash quickly. Online lenders provide a convenient alternative, allowing you to apply from the comfort of your home. With no local lenders serving the Texas area directly, it’s important to explore reputable online options that comply with state regulations, offering maximum borrowing limits up to $1,800 with APRs ranging from 400-600%.

Compare Lenders in Irving

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Irving

Calculation

Loan Amount: $$500

Term: $14 days

APR: $400%

Fee: $$100

Total Repayment: $$600

Effective APR: $521.4%

⚠️ Important Notes

✓ For Irving residents earning $$58,000, this payment is 0.8%
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Irving

✅ Advantages

✓ Process 100% online
✓ Decision in 15 min
✓ Available for Irving residents
✓ No collateral
✓ Early repayment OK

❌ Disadvantages

✗ Higher APR than banks
✗ Primarily online options
✗ Credit check required

💡 Expert Recommendation for Irving Residents

According to loan expert Rostislav Sikora, Irving's lower cost of living makes short-term payday loans a viable option for managing quick financial needs. However, be cautious of the high APR involved. Before signing, compare APR and ensure payment doesn't exceed 35% of monthly income.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Irving, TX

How do I get a payday loan in Irving, TX?

In Irving, payday loans can be accessed online through various lenders. Ensure they are licensed to operate in Texas.

What's the max I can borrow in Irving?

In Irving, you can borrow up to $1,800, complying with Texas state regulations.

Can I get approved with bad credit in Irving?

Yes, many online payday lenders in Irving offer loans to individuals with poor credit.

Are there storefronts in Irving or is it online only?

Currently, Irving does not have active payday loan storefronts, so online options are the primary source.

How fast can I get money in Irving?

In Irving, funds can typically be deposited into your account within 24 hours after approval from an online lender.

What APR can I expect for payday loans in Irving?

In Irving, payday loans typically have an APR ranging from 400% to 600%.

Is there a limit to the number of payday loans I can have in Irving, TX?

Texas law does not specify a limit on concurrent payday loans, but manage them wisely to avoid financial strain.

Can I settle my payday loan early in Irving?

Yes, most online lenders allow early repayment without any penalties in Irving.

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Irving, TX and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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