Payday Loan Alternatives in Houston

Consider a CAB installment loan instead of a payday loan.

CashNetUSA offers CAB installment loansup to $1,200*

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Head to our Rates & Terms page to learn more.

Same-Day Deposit Available

If approved before 1:30 p.m. CT Monday – Friday†

Instant Decision*

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Payday loan alternatives in Houston, TX.

In Houston, CashNetUSA arranges a CAB installment loan for amounts similar to (or more than) what a payday loan can provide. Unlike a payday loan — which is generally repaid within a month — CashNetUSA’s CAB installment loan has repayment terms of three or six months. This makes a CAB installment loan a useful payday loan alternative for people who need a little more money than a payday loan, or a little longer time to repay.

At CashNetUSA, you can apply for funds in minutes and receive an instant decision.* If approved before 1:30 p.m. CT Monday – Friday, you can receive your funds as soon as the same business day!†

One of the features of CashNetUSA’s CAB installment loan is the CAB fee rebate. If you repay your loan early, we don’t penalize you — and we may rebate a portion of your CAB fee depending on when you repay.

CashNetUSA’s CAB Installment Loans vs. Houston CAB Payday Loans

CashNetUSA’s CAB installment loan
Funding amount
$300 – $2,500
CAB fee
$0.40 – $0.80 per $100 borrowed per day, plus 10% interest on loan amount and CAB fees
Repayment
Paid in installments over three or six months
Houston CAB payday loan1
Funding amount
$500
CAB fee
$25 – $30 per $100 borrowed, plus 10% interest on loan amount and CAB fees
Repayment
Repaid in terms of either 14 or 30 days

1Based on information from Consumer Affairs. Actual loan terms may vary based on applicant's qualifications.

How do I apply for a CAB installment loan with CashNetUSA?

  1. Apply online in minutes.

  2. Receive an instant lending decision.* If more information is needed, you may need to send in additional documents like paystubs or other proof of income.

  3. Apply early and receive funds as soon as the same business day,† if approved.

  4. Repay over your scheduled loan term. You are free to repay early at any time with no penalty.

Requirements to apply for a CAB installment loan in Texas with CashNetUSA.

You must meet the following requirements to be eligible for funding arranged by CashNetUSA.

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

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Learn more about loans in Houston, TX.

Online loans in Texas can come in many different forms. Funding amounts and repayment terms may differ from loans acquired through brick-and-mortar lenders in the city. This is because online loans are regulated by the state of Texas — Houston restrictions do not apply.

With CashNetUSA, there’s no need to visit a physical location. Our online process allows you to apply for the money you need to handle emergency expenses anytime, anywhere.

Installment loans. Online installment loans, such as CAB installment loans, can generally provide the same amount or more than a payday loan. You repay over a few scheduled installments — commonly over a term length of several months. CashNetUSA’s CAB installment loans offer funding amounts up to $2,500 and are repaid over terms of three or six months.

Lines of credit. An online line of credit is a form of credit that lets you borrow funds from an approved credit limit. It’s a form of “revolving credit” (like a credit card), which means the amount you can use replenishes as you repay. In Texas, the home equity line of credit (HELOC) is more common than a personal line of credit. HELOCs are a form of “secured” funding, because the equity of your home serves as collateral. Because the line of credit is secured, it can be less expensive than other types of personal loans.

Payday loans. Online payday loans are one of the most common ways to borrow money fast. Payday loans are typically repaid upon your next payday — within seven to 31 days. Because Texas considers businesses that issue payday and title loans to be "Credit Access Businesses," these are also known as CAB payday loans in the Lone Star State. CashNetUSA does not offer payday loans.

Title loans. Online title loans are another form of secured funding. With a title loan, your vehicle serves as collateral. Online title loans can be a good option for people who have an urgent financial need and don’t qualify for other forms of personal credit. If you can’t repay the loan, however, the lender may take possession of your vehicle. In Texas, there is no limit on title loan amounts, but there is an interest rate cap of 10%.

Like all payday lenders and auto title loan companies in Texas, CashNetUSA is designated as a “Credit Access Business” (CAB). That means rather than lending to people directly, we arrange loans between a person and a lender. Our entirely online process makes it easy for customers to apply for, receive and repay the money they need all through our streamlined interface.

There are organizations in Houston dedicated to providing free financial guidance.

Family Houston
4950 Memorial Drive
Houston, TX 77007
713.861.4849

Money Management International
12603 Southwest Freeway
Ste. 450
Stafford, TX 77477
713.923.6339

The Women's Resource of Greater Houston
13100 Northwest Freeway
Ste. 130
Houston, TX 77040
713.667.4493

Credit Coalition
3300 Lyons Ave.
#203A
Houston, Texas 77020
713.224.8100