Cash advances in Austin follow Texas law: up to No fixed dollar cap, fee no state fee cap ($20-$25 per $100 typical cso fee + 10% interest cap), term 7-180 days. The state’s typical $300 loan costs $60 in fees and repays $360 — about 400% - 600% APR.
| Max amount | No fixed dollar cap |
|---|---|
| Max fee / rate | No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap) |
| Term | 7-180 days |
| Rollovers | Allowed |
| APR on the typical loan | 400% - 600% |
| Regulator | Texas Office of Consumer Credit Commissioner |
Statute: Tex. Fin. Code Ch. 393 · details on the Texas state page
| County | Hays County / Travis County / Williamson County |
|---|---|
| Population | 947,890 |
| Median household income | $57,689 |
| Rank in Texas | #4 by population among covered cities |
| State rules apply | CSO Model · cap No fixed dollar cap |
High-cost lenders size loans against your deposit flow, not your address. In Austin, where the median household brings in $57,689 a year, a $300 advance with a $60 fee is one of the smaller recurring hits a budget can take — which is exactly why the cap exists.
Derived from ’s own worked example (a $300 loan carrying a $60 fee). Round figures in dollars.
| Amount | Fee for the term | Total repaid | APR ballpark |
|---|---|---|---|
| $100 | $2,000 | $2,100 | 400% - 600% |
| $255 | $5,100 | $5,355 | 400% - 600% |
| $300 | $6,000 | $6,300 | 400% - 600% |
| $500 | $10,000 | $10,500 | 400% - 600% |
Fee rate: no state fee cap ($20-$25 per $100 typical cso fee + 10% interest cap) · statute Tex. Fin. Code Ch. 393. Some states hand you the amount minus the fee; others fund the full amount — your contract controls.
Composite scenarios built from typical situations and the cost math on this page — not quotes from named individuals.
A commuter’s car fails a week before payday. The repair is not optional — without it, no work. An advance covers the shop bill today; the trade-off is repaying $600 — the $100 fee is the price of moving the repair two weeks earlier.
Compare that fee against the cost of missing work before signing.
An urgent prescription lands between paychecks, full price at the counter. A small advance gets the prescription the same day; the loan costs $20 and settles at $120 with the next check.
Small advances are where app-based options are usually cheaper than any loan.
A refrigerator dies in summer. A used replacement is available today at a cash price. The advance buys the replacement now instead of rent-to-own; the $51 fee on a $306 repayment is a one-time cost against months of installments.
One-time fees compound slower than weekly rental contracts — compare totals.
Texas law sets one price for the whole state: up to No fixed dollar cap with no state fee cap ($20-$25 per $100 typical cso fee + 10% interest cap). A typical $300 advance costs $60 and repays $360. City does not change the price — state does.
Storefront locations change often; this site does not list individual stores. The national chains and independents price at the same state cap — verify any location with the Texas Office of Consumer Credit Commissioner before you sign. Our cash advance places guide covers the chains and the license check.
Lenders typically want steady income with a deposit history in your account — a pay stub or benefits letter is enough at most no-credit-check lenders. Median household income in Austin is $57,689; lenders set no city-specific threshold.
Ready to move? Request your cash advance now — free to check, no hard credit pull at this step.
Free check for Austin, TX · no hard credit pull at this step.
