Tyler, TX · South · CSO model
Payday loans in Tyler
Tyler 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 Tyler
104,798 residents · Smith County Median household income is $42,840 — below the Texas median of $59,624.
22 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 |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3833 State Hwy 64 W, 75704 | (903) 526-0813 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 319 E Front St, 75702 | (903) 526-2115 | Mon 8:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4215 S Broadway Ave, 75701 | (903) 509-8029 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2101 W Gentry Pkwy, 75702 | (903) 592-4457 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3826 Troup Hwy, 75703 | (903) 581-7487 | Mon 8:00 AM - 7:00 PM · hours vary |
| Atlas Credit Installment Loans | 914 W Front St, 75702 | (903) 593-8416 | Hours not listed |
| atlas credit company Installment Loans | Tyler, 75703 | (903) 593-6195 | Hours not listed |
| B & F Finance Installment Loans | 210 W Erwin St, 75702 | (903) 595-5528 | Mon 8:30 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1922 E Southeast Loop 323 Ste 1912, 75701 | (903) 592-9430 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1710 S Beckham Ave, 75701 | (903) 593-4202 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3101 Shiloh Rd Ste 113, 75707 | (903) 534-7066 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2701 WSW Loop 323 Ste 100, 75701 | (903) 561-8846 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6721 S Broadway Ave Ste 100, 75703 | (903) 561-2101 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 208 Rice Rd, 75703 | (903) 581-0745 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Title Loans, Installment Loans | 3850 State Hwy 64 W, 75704 | (903) 535-8259 | Mon 10:00 AM - 6:00 PM · hours vary |
| CITY FINANCE Installment Loans | 322 W Front St, 75702 | (903) 595-1028 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Freddy's Fast Cash Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 4129 S Broadway Ave, 75701 | (833) 373-3391 | Mon 10:00 AM - 7:00 PM · hours vary |
| Security Finance Installment Loans | 1723 S Beckham Ave, 75701 | (903) 592-8214 | Mon 9:00 AM - 5:00 PM · hours vary |
| Security Finance Installment Loans | 1813 S Broadway Ave, 75701 | (903) 597-8138 | Mon 9:00 AM - 5:00 PM · hours vary |
| Shamrock Finance Mortgage Lenders | 5825 Old Bullard Rd Ste 100, 75703 | (903) 581-4175 | Mon 9:00 AM - 6:00 PM · hours vary |
| T A & T Finance Installment Loans | 214 W Erwin St, 75702 | (903) 592-4353 | Mon–Fri 8:00 AM - 5:30 PM · Sat–Sun Closed |
| Texas Car Title & Payday Loan Services Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2121 E Se Loop 323, 75701 | (903) 581-5537 | Mon 10:00 AM - 7:00 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 Tyler
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 Tyler 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 Tyler
How do payday loans work in Tyler, TX?
Tyler 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 Tyler?
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 Tyler?
22 storefronts are listed in Tyler 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 Tyler?
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.