# Payday Loans in Killeen, TX: Rates & Alternatives (2026) | PayKedge > Killeen, TX payday loan options under Texas law. 160k residents, $60.3k median income. Local credit unions & alternatives. Источник: https://paykedge.com/city-directory/tx/killeen-tx/ --- # Payday Loans in Killeen, TX **Payday loans are legal in Killeen, 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 Killeen residents (population near 160,000) 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** What are the safest ways to get cash in Killeen? What if I need to borrow money? What about payday loans in Killeen? What if I already have a payday loan I can't repay? A practical checklist before you borrow Killeen borrowing FAQ If you're in Killeen and need cash now, you have options. This guide helps you sort them out, starting with the safest ones first. Your best move is often a nonprofit program or a low-cost loan from a credit union. ### Killeen at a Glance Median income: $60.3k Median rent: $1,100 Unemployment: ~5% Poverty rate: 14.2% Top local employers: Defense, education, healthcare ## What are the safest ways to get cash in Killeen? Start with help that doesn't create debt. For a rent shortfall or a looming utility shutoff, dial 211. This free call connects you to United Way and Catholic Charities for emergency assistance funds. If your power bill is the problem, Texas's LIHEAP program can help Killeen households near 150% of the poverty line. Shutoff cases jump the usual 2–4 week queue. ## What if I need to borrow money? Explore low-cost loans before considering high-cost ones. Your best bet is a Payday Alternative Loan (PAL) from a local credit union. Fort Hood Family Federal Credit Union and Texas Federal Credit Union offer these. They are capped at 28% APR—a fraction of the cost of a typical payday loan. Expect a 30-day membership wait before you can apply. ## What about payday loans in Killeen? They are legal but very expensive. Texas law allows lender-set maximums with a 180-day term ceiling. Costs are high, so this should be a last resort. Always confirm a lender serves your ZIP code; coverage usually runs 25–50 miles out. Search traffic concentrates around 76541, 76542, and 76543. For a broader look, see our main [payday-loans guide](/payday-loans/). ## What if I already have a payday loan I can't repay? Act quickly. Contact your lender first to discuss a payment plan. Then, call 211 to ask about local hardship funds that might help you cover the payment. For more strategies, we rank [15 alternatives to payday loans](/beyond-payday/) by their APR. ## A practical checklist before you borrow 1. Call 211 to ask about rent or utility bill assistance. 2. Check if your employer (like Fort Cavazos, Killeen ISD, or AdventHealth) offers an Earned Wage Access app for $0 APR advances. 3. Contact a Killeen credit union about a PAL loan (~28% APR). 4. If you must use a short-term loan, compare all options on [our Texas page](/by-region/texas/) first. ## Killeen borrowing FAQ How much can I borrow in Killeen? Texas caps the loan term at 180 days, but the amount is set by the lender. A PAL from a local credit union offers $200–$1,000. Are there any loans with lower APR? Yes. Credit union PALs are capped at 28% APR. Some employer-linked Earned Wage Access programs advance pay at $0 APR. What if I'm in the military? If you are a covered borrower under the federal Military Lending Act, federal law caps the Military APR on most consumer credit at 36%. Where do I start? Begin with the free options. Call 211. Then, see what you prequalify for across lenders on our [application page](/apply/). #### See your Killeen 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 Killeen - Fort Hood Family Federal Credit Union - Texas Federal Credit Union Find every credit union serving Killeen on the [NCUA official locator ↗](https://mapping.ncua.gov/). --- #### Local nonprofits - United Way of Killeen - 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/) - [Irving, TX](/city-directory/tx/irving-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/)