(432) 685-1289
Payday Loans in Midland, TX
$100 - $1,500

Need a Hand Between Paydays in Midland?

We connect West Texans with a network of lenders for quick cash solutions when unexpected expenses arise in the Permian Basin.

Check Your Eligibility

Why Choose Us

Fast Online Form
Secure 256-bit Encryption
All Credit Types Considered
Fast
Next-Day Funding
Simple
3-Step Process
Secure
Privacy Protected
OCCC Registered Lenders
Secure SSL Connection
Midland Ordinance Compliant
Member of West Texas Lending Network

How It Works

Get the funds you need in a few simple steps

1

Submit Your Info

Fill out our secure online form with your basic details and income information in under 5 minutes.

2

Get a Quick Decision

Our network of lenders will review your request and provide a decision, often within minutes.

3

Receive Your Funds

If approved, review your loan terms and receive your cash as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks through traditional bureaus or alternative providers. Submitting a request does not guarantee approval or a specific loan offer.

Loan Information

Explore our loan options and find out if you qualify.

Loan Amounts

$100 - $1,500

Loan Terms

7 - 180 Days

APR Range

200% - 600%

Loan Types Available

Payday Loans Cash Advances Installment Loans Title Loans

Eligibility Requirements

  • Must be at least 18 years old
  • Reside in Midland, TX or surrounding area
  • Steady source of income
  • Active checking account

Required Documents

  • Valid Government ID
  • Recent Pay Stub or Income Proof
  • Bank Statement
  • Social Security Number

Why Choose Us

Benefits that make the difference

Midland Ordinance Compliance

We only work with lenders who strictly follow the 2014 Midland city ordinance regarding principal reduction and income limits.

Fast Decision Process

Our network uses advanced technology to provide a decision in minutes, not days, so you can move on with your life.

High Security Standards

Your personal and financial data is protected by 256-bit SSL encryption, ensuring your information stays private.

All Credit Profiles

Whether you have good credit, bad credit, or no credit, our lenders consider your current income and stability first.

Permian Basin Focus

We understand the Midland-Odessa area and the specific financial needs of West Texans.

Transparent Disclosures

You will receive a clear breakdown of all fees, interest rates, and repayment schedules before you sign any agreement.

What Our Customers Say

Life Saver

I had a sudden leak in my water heater and needed $600 fast. I live off Loop 250 and used this site. The process was way easier than I expected and the money was in my account the next morning.

Maria Garcia ·Midland, TX

Fast Service

I work in the oil fields and my truck needed a quick repair. It wasn't the cheapest loan, but it got me back to work. Decent experience all around.

David Patterson ·Midland, TX

Professional and Helpful

I was worried about the high rates I'd heard about, but the lender I was matched with explained the Midland rules very clearly. I felt respected through the whole process.

Sarah Jenkins ·Odessa, TX

Got the Job Done

Needed a small $300 advance for my daughter's school fees. The form was quick and I got a call back within an hour from a lender. Everything was straightforward.

James Henderson ·Greenwood, TX

Highly Recommend

I usually don't do these things online, but the site looked professional. They matched me with a local lender near ClayDesta and I had the cash I needed for my utilities the same day.

Linda Moreno ·Midland, TX

Payday Loan and Cash Advance Stores in Midland, Texas

Borrowers in Midland, Texas, have several options for accessing quick cash when unexpected expenses arise. Whether you prefer to visit a local storefront for personalized service or apply online through our convenient matching service, there are numerous reputable lenders in the area ready to help. Below is a list of local payday loan, title loan, and check cashing stores available in Midland to meet your short-term financial needs.

ACE Cash Express

Address 808 S Big Spring St, Midland, TX 79701
Type Cash Advance
Phone (432) 686-9896
Hours Mon-Thu 9am-7pm, Fri 9am-8pm, Sat 9am-7pm

LoanStar Title Loans

Address 3007 W Industrial Ave, Midland, TX 79701
Type Title Loans
Phone (432) 253-5950
Hours Mon-Fri 10am-6pm, Sat 9am-2pm

LoanStar Title Loans

Address 2014 North Big Spring St, Midland, TX 79705
Type Title Loans
Phone (432) 686-0510
Hours Mon-Fri 10am-6pm, Sat 9am-2pm

Cash Store

Address 1220 N Midkiff Rd Ste A, Midland, TX 79701
Type Installment Loans
Phone (432) 697-2274
Hours Mon-Fri 10am-6pm, Sat 10am-2pm

Check 'n Go

Address 4706 N Midkiff Rd STE 14, Midland, TX 79705
Type Payday Loans
Phone (432) 694-0780
Hours Mon-Fri 10am-6pm, Sat 10am-2pm

Advance America

Address 3200 Andrews Hwy Ste 300, Midland, TX 79701
Type Installment Loans
Phone (432) 689-0231
Hours Mon-Fri 10am-6pm

300 Cash Loans

Address 303 E Texas Ave, Midland, TX 79701
Type Payday Loans
Phone (432) 219-2785
Hours Mon-Sun 8am-10pm

Western Finance

Address 3312 W Illinois Ave, Midland, TX 79703
Type Installment Loans
Phone (432) 520-2323
Hours Mon-Fri 9am-6pm

Walmart MoneyCenter

Address 200 W Interstate 20, Midland, TX 79701
Type Check Cashing
Phone (432) 684-3910
Hours Mon-Sun 6am-11pm

LoanStar Title Loans

Address 3307 Andrews Highway, Midland, TX 79703
Type Title Loans
Phone (432) 253-5950
Hours Mon-Fri 10am-6pm, Sat 9am-2pm

Midland Community Profile

Midland, Texas, serves as the economic heart of the Permian Basin, one of the world's most productive oil and gas regions. This industry-centric economy results in high median household incomes and a robust job market, yet it also creates a high cost of living and extreme susceptibility to the volatile 'boom-and-bust' cycles of the energy sector. For many residents, sudden fluctuations in energy prices or the high cost of local housing can lead to immediate cash flow gaps, making short-term lending options a strategic safety net to manage unexpected expenses or bridge seasonal financial shifts common in energy-dependent communities.

138,397
Population
$91,169
Median Income
11.7%
Poverty Rate
2.9%
Unemployment

Means of Transportation to Work

Drove Alone 79.8%
Carpooled 12%
Public Transit 0.3%
Walked 1%
Work from Home 5.2%
Other 1.7%

Class of Worker

Private Wage & Salary 81.3%
Government 12.1%
Self-Employed 6.5%
Unpaid Family 0.1%

Household Income Distribution

Under $25K 8.1%
$25K - $50K 14.1%
$50K - $75K 15.4%
$75K - $100K 17.4%
Over $100K 45%

Source: U.S. Census Bureau, American Community Survey 2023; Bureau of Labor Statistics, December 2025

Frequently Asked Questions

Are payday loans legal in Midland, TX?
Yes, payday loans are legal in Midland, Texas, but they are governed by both state law and local city ordinances to protect consumers from excessive debt cycles.
How much can I borrow in Midland?
Under Midland local law, a payday loan cannot exceed 20% of your gross monthly income. Lenders will verify your earnings to ensure the loan stays within this limit.
What is the Midland City Ordinance for payday loans?
The Midland ordinance requires that every repayment or renewal must reduce the original loan principal by at least 25%. This ensures that the loan is fully paid off after a maximum of four installments.
Can I get a loan with bad credit?
Yes, many lenders in our network specialize in helping individuals with less-than-perfect credit. They look at your current income and ability to repay rather than just your credit score.
How fast can I get the money?
While we are not a lender, most lenders in our network provide a decision within minutes. If approved, funds are typically deposited into your account by the next business day.
What happens if I can't pay back on time?
If you cannot repay on time, contact your lender immediately. Texas law allows for rollovers, but the Midland ordinance requires a 25% principal reduction for each renewal or installment.
Is there a limit on rollovers?
In Midland, the ordinance effectively limits loans to a maximum of 3 rollovers or 4 total payments, as each payment must reduce the principal by 25%.
Do I need to be employed?
Lenders require a steady source of income, which can include regular employment, government benefits, or self-employment earnings, provided they can be verified.
How does the CAB model work in Texas?
A Credit Access Business (CAB) is a service provider that matches you with a third-party lender. The CAB charges a fee for this service, while the lender charges interest.
Limited Time Offer

Ready to Get Started?

Need cash for an emergency? Most Midland borrowers get their funds by the next business day.

Check Your Eligibility