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Loan Amount ($)

Payday Loan

A payday loan is small dollar loan usually between $100-$1,000 (depending on income and state laws) that is designed to help you pay for immediate expenses until your next payday. The loan balance is usually repaid on your next payday.

Credit Access Business Services

Cash Factory USA is licensed as a Credit Access Business (CAB) in the State of Texas. As a Credit Access Business, Cash Factory USA will not be your lender, instead Cash Factory USA will:

  • Arrange for you to receive a loan from an unaffiliated third-party lender
  • Assist you in preparing and completing the documents required by the lender in order to receive your loan
  • Process you loan proceeds and accept your payments on behalf of our lender
  • Guarantee your payment obligations to your lender

Terms for Texas Residents

  • Your maximum loan amount may not exceed $1,000.
  • Your loan term cannot exceed 45 days.
  • If you qualify, we may allow you to refinance your loan provided you pay any outstanding interest and CAB fee on or before your due date.

Fee Schedule and APR

Please click here for detailed fee schedule and APR


In the state of Texas, Cash Factory USA is a licensed Credit Services Organization and Credit Access Business but is not your lender. All loans in Texas are made by unaffiliated third party lenders. All applications and loans are subject to third party lender credit approval and lending guidelines. Cash Factory USA is licensed and examined by the State of Texas - Office of Consumer Credit Commissioner.

Texas Credit Access Business License

Texas Credit Service Organization License

State of Texas Credit Access Business Disclosure


Our application process is quick and easy.
Your information will be
kept safe and secure
We provide excellent customer service.