Payday loans in Irving, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Irving, TX.
The median household in Irving earns $81,830 a year, about the same as the Texas median of $78,476. About 11% of residents live below the federal poverty line, and 61.9% of households rent their home. When an unexpected bill hits before payday, Irving residents can request $100 to $1,000 online in minutes.
Texas law that applies in Irving
| Fee cap | No state cap on the credit access business fee. |
|---|---|
| Rollovers | State law does not ban refinancing. |
Full rules with statute citations: Payday Loans in Texas. Cities in Texas cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Irving
Lenders that serve Irving typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Irving
What Irving borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Irving
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Texas.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Texas does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Irving
47 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 6 | 545 E John Carpenter Fwy, Irving 75062 |
| Bank of America, National Association | 5 | 2706 W Irving Blvd, Irving 75061 |
| First National Bank Texas | 5 | 1635 Market Pl, Irving 75063 |
| Wells Fargo Bank, National Association | 3 | 900 W Airport Fwy, Irving 75062 |
| PNC Bank, National Association | 3 | 4925 N O Connor Rd, Irving 75062 |
| Fifth Third Bank, National Association | 3 | 301 W Irving Blvd, Irving 75060 |
| Frost Bank | 3 | 2710 N Belt Line Rd, Irving 75062 |
| State Bank of Texas | 2 | 111 W John Carpenter Frwy, Irving 75039 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Irving
11 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 4301 Regent Blvd Ste 110, Irving 75063 |
| Methodist Hospital Employees | 1235 N Union Bower Rd, Irving 75061 |
| Pentagon | 6191 N State Highway 161 Ste 500, Irving 75038 |
| Credit Union Of Texas | 6911 N Macarthur Blvd, Irving 75039 |
| Texans | 555 Cimarron Trl, Irving 75063 |
| Texas Trust | 7255 State Highway 161, Irving 75039 |
| Resource One | 2315 W Airport Fwy, Irving 75062 |
| Mobility Credit Union | 8384 N Belt Line Rd, Irving 75063 |
| Irving City Employees | 1408 W Pioneer Dr, Irving 75061 |
| The Local | 1408 W Pioneer Dr, Irving 75061 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dallas County · Personal Loans in Irving · Title Loans in Irving
Frequently asked questions
Can I get a payday loan in Irving, TX?
Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party lender. You can request one online from Irving through our network; approval and terms are set by the lender.
How fast can I get a payday loan in Irving?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Texas rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Where can I get a payday loan in Irving?
You can visit a storefront in Irving or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Irving? Our form takes about 3 minutes.
Do payday lenders in Irving check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Irving residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Irving?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.