Longview, TX · South · CSO model
Payday loans in Longview
Longview 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 Longview
82,055 residents · Gregg County / Harrison County Median household income is $44,544 — below the Texas median of $59,624.
15 storefront locations of 11 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, Investing | 414 W Loop 281 Unit 6, 75605 | (903) 759-9945 | Mon 8:30 AM - 5:30 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 215 S High St, 75601 | (903) 236-3691 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2309 Gilmer Rd, 75604 | (903) 297-8736 | Mon 8:00 AM - 7:00 PM · hours vary |
| Atlas Credit Company Installment Loans | 118 E Cotton St, 75601 | (903) 758-1741 | Hours not listed |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2414 Gilmer Rd Ste 6, 75604 | (903) 759-0522 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 409 W Loop 281 Ste 101, 75605 | (903) 663-6700 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 710 Estes Dr Ste 104, 75602 | (903) 236-8724 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 100 E Marshall Ave, 75601 | (903) 234-0998 | Mon 10:00 AM - 6:00 PM · hours vary |
| City Finance Installment Loans | 709 E Methvin St, 75601 | (903) 753-4744 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Freddy's Fast Cash Title Loans, Installment Loans | 1101 E 5th St, 75604 | (833) 373-3391 | Mon 10:00 AM - 7:00 PM · hours vary |
| Security Finance Installment Loans | 105 E Loop 281 Ste 5, 75605 | (903) 758-6413 | Mon 9:00 AM - 5:00 PM · hours vary |
| T A & T Finance Installment Loans | 101 E Cotton St, 75601 | (903) 753-8606 | Mon–Fri 8:00 AM - 5:30 PM · Sat–Sun Closed |
| Texas TitlePro Title Loans, Installment Loans | 1105 E Marshall Ave, 75601 | (903) 238-2150 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Toledo Finance Check Cashing/Pay-day Loans | 212A S Fredonia St, 75601 | (903) 753-7024 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Western-Shamrock Finance Tax Services, Installment Loans | 306 N Spur 63, 75601 | (903) 234-8569 | Mon 9:00 AM - 6:00 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 Longview
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 Longview 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 Longview
How do payday loans work in Longview, TX?
Longview 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 Longview?
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 Longview?
15 storefronts are listed in Longview in our 2022-02-20 directory snapshot (11 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Longview?
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.