# Payday Loans in Irving, TX: Rates & Alternatives (2026) | PayKedge > Irving, TX payday loan options under Texas law. 258k residents, $85.0k median income. Local credit unions & alternatives. Источник: https://paykedge.com/city-directory/tx/irving-tx/ --- # Payday Loans in Irving, TX **Payday loans are legal in Irving, TX under Texas law: a typical fee is $22.10 per $100 for 14 days (~576% APR), so borrowing $300 costs about $66.30 in fees.** Below: where Irving residents can apply, the licensed-lender rules that apply, and cheaper local alternatives worth comparing first. PayKedge is paid by the lenders we match you with. We rank options by cost, not commission. JC **Reviewed by [Jared Castellano, AFC®](/authors/jared-castellano/)** · Last updated 2026-05-24 **On this page** Quick Irving Guide What is the cheapest way to borrow in Irving? Are low-rate loans available in Irving? What if I need help with a specific bill? Where are the best help options in Irving? What should I do before I borrow? Common Irving questions If you need cash now in Irving, you have options. Start by checking if you qualify for cheaper help, like a credit union loan at 28% APR. The right pick depends on your exact situation and ZIP code. ## Quick Irving Guide - Median income is $85.0k; median rent is $1,500. - Unemployment is low at 3%. - Top local industries: energy, technology, healthcare. - Try credit union Payday Alternative Loans capped at 28% APR. - Call 211 for help with bills like rent or energy. ## What is the cheapest way to borrow in Irving? Check if you already bank somewhere that offers small-dollar loans. Major banks have programs for existing customers, like Balance Assist or Simple Loan. Their APR is roughly 100–200%, which is much lower than typical [payday loan](/payday-loans/) costs. ## Are low-rate loans available in Irving? Yes, through Irving City Employees Federal Credit Union. They offer Payday Alternative Loans (PALs). These are capped at 28% APR. You must be a member for at least 30 days to apply. A PAL is typically 80–90% cheaper than a licensed payday loan. ## What if I need help with a specific bill? Call 211. This service connects Irving residents to local nonprofits. They can help with bills for energy, rent, or a crisis. Many offer grants you don't have to repay. For energy bills, LIHEAP offers up to $1,000+ for those under 150% of the poverty line. Processing takes 2–4 weeks, or faster if you face a shutoff. ## Where are the best help options in Irving? Look in the ZIP codes with the highest demand. That’s where credit union branches and help centers tend to be. In Irving, focus on 75038, 75039, and 75060. Always confirm a lender’s coverage by your specific ZIP, as it usually runs 25–50 miles out. ## What should I do before I borrow? Follow these steps to make a smart choice. 1. Call 211 to ask about nonprofit grants for your need. 2. Check if your current bank offers a small-dollar loan program. 3. See if you are eligible to join Irving City Employees Federal Credit Union for a PAL. 4. Compare the all-in APR of any offer. Confirm the term cap is 180 days. 5. Explore [15 alternatives ranked by APR](/beyond-payday/). ## Common Irving questions How much can I borrow on a payday loan in Irving? The maximum principal is set by the lender. Texas law caps the loan term at 180 days. Always confirm the all-in APR before you sign. Is 576% APR normal for Irving? That is a typical cost for a payday loan under Texas's Credit Services Organization Act. It is why we urge you to check all cheaper [Texas options](/by-region/texas/) first. What if I'm in the military? If you are a covered borrower under the Military Lending Act, federal law caps the APR on most credit at 36%. Where do I apply for a loan? You can start your search for vetted lenders on our [application page](/apply/). It's a practical first step. #### See your Irving options Match with Texas-licensed lenders only. Compare cost against lower-rate alternatives on the same page. [See my options](/apply/) 🔒 256-bit encrypted · TX-compliant --- #### Credit unions near Irving - Irving City Employees Federal Credit Union Find every credit union serving Irving on the [NCUA official locator ↗](https://mapping.ncua.gov/). --- #### Local nonprofits - United Way of Irving - Catholic Charities (Texas region) - Texas Appleseed - Community Loan Center Texas --- #### Other Texas cities - [Amarillo, TX](/city-directory/tx/amarillo-tx/) - [Arlington, TX](/city-directory/tx/arlington-tx/) - [Austin, TX](/city-directory/tx/austin-tx/) - [Brownsville, TX](/city-directory/tx/brownsville-tx/) - [Carrollton, TX](/city-directory/tx/carrollton-tx/) - [Corpus Christi, TX](/city-directory/tx/corpus-christi-tx/) - [Dallas, TX](/city-directory/tx/dallas-tx/) - [El Paso, TX](/city-directory/tx/el-paso-tx/) - [Fort Worth, TX](/city-directory/tx/fort-worth-tx/) - [Frisco, TX](/city-directory/tx/frisco-tx/) - [Garland, TX](/city-directory/tx/garland-tx/) - [Grand Prairie, TX](/city-directory/tx/grand-prairie-tx/) - [Houston, TX](/city-directory/tx/houston-tx/) - [Killeen, TX](/city-directory/tx/killeen-tx/) - [Laredo, TX](/city-directory/tx/laredo-tx/) - [Lubbock, TX](/city-directory/tx/lubbock-tx/) - [McAllen, TX](/city-directory/tx/mcallen-tx/) - [McKinney, TX](/city-directory/tx/mckinney-tx/) - [Mesquite, TX](/city-directory/tx/mesquite-tx/) - [Midland, TX](/city-directory/tx/midland-tx/) - [Pasadena, TX](/city-directory/tx/pasadena-tx/) - [Plano, TX](/city-directory/tx/plano-tx/) - [San Antonio, TX](/city-directory/tx/san-antonio-tx/) - [Waco, TX](/city-directory/tx/waco-tx/)