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Find the Best Payday Lenders in Waco, TX

If you’re short on cash and can’t wait until your next paycheck, a payday loan may be a short-term solution. Before signing any contract, be sure to understand the loan term and APR of payday loans. We researched the best payday loans in Waco to help you find a reputable company.

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Compare Top Payday and Title Loans

Speedy Cash
Overall satisfaction rating
  • Online loan application
  • Offers short-term loans
  • Line of credit loans available
  • Cash for gold services

Apply online!

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Overall satisfaction rating
  • Receive an immediate decision
  • Loans up to $500
  • Apply online 24/7
  • Available in Waco

Online lender offering payday loans, installment loans, and line of credit products. Can lend up to $800 with loan terms anywhere between 8 and 31 days. Borrowers apply online and receive an instant lending decision.

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Check Into Cash
  • Online payday loans
  • 5 minute online application
  • Get approved today
  • Quick, easy & confidential

Lender with 25 years in business offers payday loans up to $1,000 and title loans up to $25,000 with easy application process. Consumers can get funds the next business day. Installment loans and lines of credit also available.

700 N. Valley Mills Dr
Waco, TX 76710
(254) 776-5573
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Star of Texas Financial Solutions
  • M-F: 10am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • staroftexasfinancial.com/loans
810 N. Valley Mills Dr.
Waco, TX 76710
(254) 203-5242
Advance America
  • M-W: 10am - 6pm
  • Th: 10am - 7pm
  • F: 9am - 7pm
  • Sat: 9am - 3pm
807 N. Valley Mills Dr.
Waco, TX 76710
(254) 776-4289
Check `n Go
  • M-F: 10:30am - 6pm
  • Sat: 10:30am - 2pm
  • Closed Sun
  • checkngo.com/loan-services/payday-loans
700 N. Valley Mills Dr.
Waco, TX 76710
(254) 776-5573
Cash Store
  • M-F: 10am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • cashstore.com/local/waco-payday-loans
5301 Bosque Blvd., Ste. 110
Waco, TX 76710
(254) 776-7373
ACE Cash Express
  • M-Th: 9am - 7pm
  • F: 9am - 8pm
  • Sat: 9am - 5pm
  • Sun: 11am - 4pm
720 N. Valley Mills Dr.
Waco, TX 76710
(254) 741-1800
Western Finance
  • M-F: 9am - 6pm
  • Sat: 9am - 1pm
  • Closed Sun
  • westernshamrock.com/advance-loan
2404 W. Waco Dr.
Waco, TX 76701
(254) 755-8818

Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.

How to get a payday loan in Waco


A payday loan is a short-term, high-cost cash or check loan. These loans are usually in small amounts, although Texas does not limit how much can be borrowed. A payday loan typically must be repaid in one single payment by the borrower’s next payday (two to four weeks from contract signing). Repayment can be by check, cashier’s check or electronic debit.

About eight percent of residents have taken out payday loans in Texas. Here are common payday loan requirements:

  • Active checking account
  • Proof of income
  • Valid identification
  • 18 years or older

In Texas, customers typically pay a $23 fee for every $100 borrowed. You may also hear it referred to as a 23 percent interest charge. This is not to be confused with your annual percentage rate (APR), which is used as a way to compare the cost of a loan from one company to another. For example, that 23 percent interest rate would add up to a whopping 574 percent APR for a two-week loan.

Not all lenders have the same fees; there are some low-interest rate payday loans in Waco. To find the best rate, you should compare options from a variety of lenders, including online and storefront payday lenders.

Online payday loans are quick and convenient but susceptible to scams. Storefront payday lenders are a more traditional option if you have questions you want answered in person. You can find out if a payday company is legitimate by checking customer reviews and verifying their listing with the Better Business Bureau.

However, a payday loan may not be the right solution for you. Here are alternatives when you need cash fast:

  • Ask a relative or friend
  • Open a low-interest credit card
  • Ask about a payment plan with your creditors
  • Take out a personal loan
  • Request a paycheck advance

Here are commonly asked questions about payday loans in Waco:

Are payday loans legal in Texas?

Yes. Texas has very weak laws regulating payday loans. There are no legal limits to maximum loan amounts, maximum finance rates and fees (for Credit Access Businesses, such as payday loan companies), finance charges or APRs.

If you live in Waco, can you get a payday loan with bad credit?

Yes. Waco payday loan lenders do not typically check your credit score in order to approve loans.

Can you go to jail for not paying back a payday loan in Waco?

No. Failure to pay back a loan is not a criminal offense and it is illegal for a lender to threaten a borrower with arrest or jail time. The Consumer Financial Protection Bureau says that anyone who is threatened with arrest by a payday loan lender should contact the state attorney general’s office

Payday Loans Reviews

Speedy Cash

Speedy Cash offers “speedy fast” online or in-store Waco payday lending approval, with loans reaching up to $3,000. Texas customers say Speedy Cash’s customer service is outstanding and the experience is simple and easy. Borrowers also appreciate Speedy Cash’s clear terms and conditions, with no hidden fees or surprises.

Speedy Cash


Since 2004, CashNet USA has helped more than 3 million customers handle financial emergencies with reliable, trustworthy service. Texas customers can get approved for payday loans up to $850 and receive same-day funding with CashNet. CashNet’s in-house customer service team is also available seven days a week to help answer customer questions.


Check Into Cash

Check Into Cash’s payday loans in Texas range from $50 to $1,500 and can be approved in minutes and money can be received in stores immediately. Customers can go online to review Check Into Cash’s rates and get pre-approval, or get a quote by phone. This transparency, coupled with its 20 years of experience and A+ BBB rating, makes Check Into Cash a trusted name in the industry.

Check Into Cash