Austin, TX · South · CSO model
Payday loans in Austin
Austin 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 Austin
947,890 residents · Hays County / Travis County / Williamson County Median household income is $57,689 — below the Texas median of $59,624.
26 storefront locations of 19 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 |
|---|---|---|---|
| 1st Franklin Financial Installment Loans | 500 W William Cannon Dr Ste 426, 78745 | (512) 448-3991 | Mon 8:30 AM - 5:30 PM · hours vary |
| 1st Franklin Financial Installment Loans | 8711 Burnet Rd Ste A-15, 78757 | (512) 459-1743 | Mon 8:30 AM - 5:30 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Tax Services, Installment Loans | 2237 E Riverside Dr, 78741 | (512) 447-5682 | Mon 9:00 AM - 7:00 PM · hours vary |
| B & F Finance Installment Loans, Title Loans | 5200 E William Cannon Dr Ste 102E, 78744 | (512) 478-1855 | Mon 8:30 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 600 E Ben White Blvd Ste 400, 78704 | (512) 416-9900 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3601 W William Cannon Dr Ste 100 Bldg 4, 78749 | (512) 891-0045 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5510 S Interstate 35 Ste 190, 78745 | (512) 326-2167 | Mon 9:00 AM - 7:00 PM · hours vary |
| Covington Credit Installment Loans | 4327 S 1st St Ste 106, 78745 | (512) 445-3279 | Mon 8:00 AM - 5:30 PM · hours vary |
| EZ Money Loan Services Financial Services | 13096 Research Blvd, 78717 | (512) 258-3470 | Hours not listed |
| Kwik Cash Loans Installment Loans | 3851 Airport Blvd, 78722 | (512) 477-2244 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Longhorn Finance Installment Loans | 2110B S Congress Ave, 78704 | (512) 442-1965 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Master Finance Company Installment Loans | 2121 E Oltorf St Ste 8, 78741 | (512) 476-6906 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Omega Capital Partners Installment Loans | 9300 S IH35 Ste A 500, 78748 | (512) 433-6742 | Hours not listed |
| Oportun Installment Loans | 3909 N Interstate Hwy 35, 78722 | (737) 701-5539 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 8752 Research Blvd, 78758 | (737) 250-2148 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 4410 E Riverside Dr, 78741 | (512) 900-2328 | Mon 11:00 AM - 6:30 PM · hours vary |
| RBFCU - Ben White Banks & Credit Unions, Mortgage Lenders, Financial Advising | 205 W Ben White Blvd, 78704 | (210) 945-3300 | Mon 9:00 AM - 5:00 PM · hours vary |
| Southern Finance Consumer lending | 3851 Airport Blvd Ste 109, 78722 | (512) 473-0505 | Hours not listed |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2514 E Ben White Blvd, 78741 | (512) 447-8077 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 7201 Cameron Rd, 78752 | (512) 458-1422 | Mon 8:00 AM - 8:00 PM · hours vary |
| Sun Loan Company Tax Services, Installment Loans | 7419 Burnet Rd, 78757 | (512) 873-7881 | Mon 8:30 AM - 5:30 PM · hours vary |
| Texan Credit Installment Loans | 6606‐17 S Congress Ave, 78745 | (512) 428-9120 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Texan Credit Installment Loans | 8222 N Lamar Blvd Ste D35, 78753 | (512) 832-5200 | Mon 8:30 AM - 5:30 PM · hours vary |
| Texas Warrant Installment Loans, Title Loans | 1717 S Pleasant Valley, 78741 | (512) 478-1653 | Mon 8:30 AM - 6:00 PM · hours vary |
| TitleMax Title Loans Title Loans | 8505 Springdale Rd, 78754 | (512) 605-6037 | Mon 9:00 AM - 7:00 PM · hours vary |
Showing 25 of 26 locations — the rest are smaller branches of the same companies.
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 Austin
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 Austin 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 Austin
How do payday loans work in Austin, TX?
Austin 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 Austin?
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 Austin?
26 storefronts are listed in Austin in our 2022-02-20 directory snapshot (19 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Austin?
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.