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Online Payday Loans in Texas

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Over 500,000 Payday Loan Requests Processed Successfully

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Texas Payday Loans

A reputable company you should contact for your cash needs, CashOne provides a referral service for those seeking payday loans up to $500 or more in cities of Texas, including Austin, Tyler, Dallas, Houston, San Antonio and more with fast approval and flexible payment options. So, if you have a short-term crunch, and need cash with bad credit, all you need to do is simply fill out the online payday loan request form with a few basic details about yourself, your job and salary, and if approved, you really can have cash in your bank account within 1 business day (in most cases).

How Do Online Payday Loans Work in Texas

We simplified the process for Texas payday loans. Request for payday loans online in minutes, without driving around, tons of paperwork, and long waits.


Easy Request

Complete our online request. It's quick, easy, and secure.


Fast Decision

If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.


Get Your Cash

Cash is deposited in your account in as little as 1 business day.


Repay Your Loan

The original loan amount & any fees will be debited from your bank account on the due day.

Eligibility Criteria for Texas Payday Loans

All requests are submitted to kener lending for review and possible approval. Kener Lending is a Credit Access Business. Kener will attempt to arrange a loan between you and a third-party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by Kener Lending and not by the lender. Not all requests are accepted. Reasons for denial vary by lender and are not in the control of CashOne. Do not contact us for reasons for denial as we are unable to provide these. If approved, ask your lender any questions you may have about your terms and conditions. You are not obligated to accept any loan offered to you. CashOne is not a lender.

What documents do I need for requesting payday loans in Texas?

When requesting for a Texas payday loan, you need the following documents:

  • recent paycheck stub(s), proof of employment
  • VOID personal check, if available, and an active bank account
  • current utility bill or similar bill with your name and address
  • valid state issued driver's license or identification card

Direct Lender for Online Payday Loans in Texas

We Are Now a Direct Lender in Texas and Can Service You from Application to Loan

CashOne is a reliable, safe place for Texans to get emergency cash when they need it. With over 10 years’ experience and more than 500,000 applications processed, you know you can trust us to help you. Poor or bad credit? We can help, and we don’t do credit checks. We know that most applicants have poor credit, so this is not a concern. What is most important is that you have some form of steady income, which may include social security, disability, or other income.

How do we process your loan requests?

Simple, we use encryption technology to safely transfer your data to us and electronically review it in seconds. If approved, you are notified immediately, usually in 10-60 seconds. There is no safer and faster way to get payday loans online with direct lenders only in Texas.

You do have to meet some basic qualifications:

  • You must have a bank account in your name
  • You must be at least 18 years old
  • You must live in Texas
  • You must be a permanent resident or citizen and have a valid ID
  • You will need to provide a valid email and phone number (cell is fine)

[Do you need an online payday loan in Texas with direct lenders? We can help.]

Why is selecting a direct lender for payday loans, important in Texas?

State-licensed direct lenders in Texas service your loan from application to repayment. This keeps your information safe and secure. Keeping your loan in the Lone Star state is the best way to do business.

What if we can’t help you? We will refer you to our large group of affiliated lenders to increase your chances for approval. In fact, we are able to help 80%+ of all loan seekers, as not everyone is approved. But if we do refer your application, only 1 lender (who wants to loan money to you) will contact you. That way, whether we help you or another lender does, you will only speak with one (1) lender.

Texas loan agreements are governed by the applicable laws of the state of Texas. Typical online payday loans with Texas direct lenders, if approved, are deposited directly into your bank account and withdrawn on your due date. Texas payday lenders cannot file criminal charges if you default on your loan, but there may be additional charges if you do default.

So we highly recommend only getting an online payday loan with Texas direct lenders if you can afford the loan fee and can pay it back on time as additional late fees can add up and make your financial situation more difficult. However, do not be afraid to seek out budget help if you need it. Many local communities and agencies provide free advice and assistance to help you manage your finances better and get out of debt.

Loan Terms

The maximum loan amount for first time borrowers is $500 and for repeat customers can go as high as $1,500. You may pay your loan in full at any given time and will be given a courtesy email when a payment is due. Assuming you do not contact us prior to a due date your loan is set to refinance automatically meaning only the fees will be debited and your loan principal will be rolled over to your next pay day. After 4 re-finances have been made your loan will be debited in full on the 5th payment.

Note that your first payment will be due on your next pay date that falls between 8 to 35 days away (e.g. if your upcoming payday is in 6 days your loan will be due on the next payday two weeks after). If your salary date falls outside of these ranges, your loan will be due within 14 days. You have the right to rescind your loan within 3 days of signing your loan contracts.

Loan Repayments - 3 repayment options:

  • You have the right to repay your loan in full at any time (on your due date or before), without early payment penalties.
  • You have the right to make partial principal payments at any time. Full and partial payoff orders must be received before 3 PM CST at least 1 business day prior to your due date.
  • If you do not contact us prior to your due date we will refinance the loan principal automatically 4 times. Kener will process a new Credit Access Fee and lender interest on each refinances. After 4 refinances, the full balance of the loan will be automatically debited on the 5th payment. After you have extended your loan due date four times, you may be eligible for an extended payment plan. For more information on the extended payment plan click here.

You may request these changes by sending an email to info@kenerlending.com or calling our customer service team.

Fee Schedule and APR

Your Credit Access Business fee are $25 per $100 borrowed for every calculation period ($125 for the full duration). In addition to the fee, you will also be charged an interest by your lender of 10% APR on your loan principal (which will be determined by your loan term). Click here to see fee schedules for 3 common loan amounts offered to consumers.

Texas Payday Loan FAQs

How many payday loans can I have in Texas?

In the State of Texas you are not allowed to receive loans for more than a total of $1,800. You can take out multiple loans as long as the total balance of your loans is less than $1,800.

What happens if I default on a Texas payday loan?

If you default on your loan the lender may refer you to a collection agency. The lender can pursue a judgment against you or force you into bankruptcy through a civil action but cannot pursue a criminal action against you.

Can payday loan lenders garnish your wages in Texas?

Payday lenders rarely try to garnish your wages. A payday lender or collection firm can only garnish your wages if they have a court order resulting from a lawsuit against you. Be aware that some collection companies have threatened garnishment in order to get borrowers to pay, even though they do not have a court order or judgment, which is required.

Why should I use CashOne for online payday loans in Texas?

A trusted name for many years, CashOne is a leader in providing a large network of lenders who wish to provide loans to consumers. This saves you time and money driving around to storefronts and improves your odds of approval. With over 120 direct payday lenders in all over US you know you will have a better chance for loan approval.

In Texas, CashOne directly affiliates with Kener Lending which is a Licensed Credit Access Business (CAB). Kener Lending is not a lender in all states. Kener Lending and third-party lenders use various credit reports, data sources and application information as part of their underwriting. Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

We have been in this business for over a decade and know how to get money to people when they need it most. Save drive time and gas expense and use our easy and fast online portal. We are ready to serve you!


Texas Address:

Kener Lending affiliated with CashOne
1001 West Loop South
Houston TX 77027
Phone: (832) 530-4240

Kener Lending is licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.state.tx.us, www.occc.state.tx.us.


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