Cash advances in Houston 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.
| County | Fort Bend County / Harris County / Montgomery County |
|---|---|
| Population | 2,303,482 |
| Median household income | $46,187 |
| Rank in Texas | #1 by population among covered cities |
| State rules apply | CSO Model · cap No fixed dollar cap |
Why income matters here: high-cost lenders size loans against your deposit flow, not your address. In Houston, where the median household brings in $46,187 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.
| 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
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 household is one bill behind and the utility sets a reconnect deadline later this week. Borrowing now keeps the power on and avoids a reconnect charge; repaying $360 on payday costs $60 for the bridge.
Reconnect fees plus deposit requirements often exceed the advance fee — but only compare before borrowing.
Payday lands four days after the rent deadline. The gap is small but the late fee is not. The advance closes the gap on time; repaying $600 — $100 in fees — beats the landlord’s late penalty and a court-filing risk.
Price the loan against the exact penalty it prevents.
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 $120 — the $20 fee is the price of moving the repair two weeks earlier.
Compare that fee against the cost of missing work before signing.
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 Houston is $46,187; 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 Houston, TX · no hard credit pull at this step.
