Payday Loans in Killeen, Texas
$100 - $1,500

Need Cash in Killeen? We Help You Find a Lender Fast

Skip the long lines on West Central Texas Expressway. Apply online and get connected with a payday lender in minutes.

Fast Digital Process

Bad Credit May Be OK

Next Day Funding

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Same-Day Decisions
Simple
3-Step Process
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Check Your Eligibility

Secure application - takes only minutes

1 OCCC Registered Lenders
2 Secure SSL Encryption
3 CCPA Compliant
4 No Hidden Fees

How It Works

Get the funds you need in a few simple steps

1

Complete the Form

Fill out our secure online request form with your basic information and loan amount needs.

2

Get Matched

We instantly share your request with our network of lenders to find a match for your situation.

3

Review & Sign

If connected, review the lender's terms, interest rates, and fees before e-signing your agreement.

4

Receive Funds

Once approved, your money is typically deposited into your Killeen bank account 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 to determine eligibility. Submitting a request through this site does not guarantee you will be matched with a lender or approved for a loan.

Loan Information

Loan Amounts $100 to $1,500
Loan Terms 7 to 31 days
APR Range 200% - 650%
Types Offered
Payday Loans Cash Advances Installment Loans Bad Credit Loans

Eligibility Requirements

  • At least 18 years old
  • U.S. Citizen or permanent resident
  • Steady source of income
  • Active checking account
  • Valid email and phone number

Required Documents

  • Government-issued ID
  • Proof of income (paystubs or bank statements)
  • Social Security Number
  • Active checking account details

Why Choose Us

Local Expertise

We understand Killeen's unique economy and the specific financial needs of Bell County residents.

Speedy Matching

Our technology works in real-time to connect you with a potential lender in just minutes.

All Credit Types

Lenders in our network consider more than just credit scores, focusing on your ability to repay.

Secure & Private

We use industry-standard 256-bit encryption to ensure your personal data stays protected at all times.

Mobile Friendly

Submit your request from anywhere—at home, at work, or while running errands in Killeen.

Transparent Process

Review all rates, fees, and repayment terms upfront before you commit to any loan agreement.

What Our Customers Say

Saved me in a pinch

I needed $400 for a car repair so I could get to work. The process was way faster than I expected and the funds were in my account the next morning. Very helpful service.

Maria Hernandez ·Killeen, TX

Good local service

I like that they understand the Killeen area rules. It felt more secure than just searching randomly online. The lender I was matched with was professional and explained everything.

Robert Miller ·Harker Heights, TX

Simple and fast

No hassle, just a straight-forward form. I was worried about my credit but still got connected with a lender who helped me out with $600 for my utility bill.

Sarah Jenkins ·Copperas Cove, TX

Next day cash

Got a call back within 2 hours of submitting the form. The money was there the next day just like they said. Great for an emergency.

David Patterson ·Killeen, TX

Clear terms

I appreciated being able to read the contract before signing. The Killeen city rules make me feel a bit safer using these services locally.

Angela Cruz ·Killeen, TX

Payday Loan and Cash Advance Stores in Killeen, Texas

Borrowers in Killeen have access to a variety of local storefronts for their immediate financial needs, including payday loans, title loans, and check cashing. Whether you prefer to visit a neighborhood branch in person to discuss your options or use our convenient online matching service to find a lender from home, there are several reliable resources available throughout the city.

Advance America

2600 Trimmier Rd., Suite 400, Killeen, TX 76542

Payday Loans (254) 634-7720 Mon-Fri 10:00am-6:00pm, Sat 10:00am-2:00pm

ACE Cash Express

205 W Rancier Ave, Killeen, TX 76541

Cash Advance (254) 526-3444 Mon-Thu 9:00am-6:00pm, Fri 9:00am-7:00pm, Sat 9:00am-5:00pm

CashMax Texas

2501 S. WS Young Drive, #105, Killeen, TX 76541

Payday Loans (254) 699-0455 Mon-Fri 10:00am-6:00pm

ACE Cash Express

1040 S Fort Hood St, Killeen, TX 76541

Check Cashing (254) 526-5925 Mon-Sat 9:00am-8:00pm

Payment 1 Financial

2501 S W S Young Dr. #107, Killeen, TX 76541

Title Loans (254) 245-8066 Mon-Fri 9:00am-6:00pm, Sat 9:00am-1:00pm

Security Finance

2809 W Stan Schlueter Loop Ste 102, Killeen, TX 76549

Installment Loans (254) 526-8528 Mon-Fri 8:30am-5:30pm

5 Star Car Title Loans

900 Leifester Cir, Killeen, TX 76549

Title Loans (254) 312-5376 Mon-Fri 9:00am-7:00pm, Sat 10:00am-5:00pm

Omni Military Loans

914A West Rancier Ave, Killeen, TX 76541

Installment Loans (254) 554-2444 Mon-Fri 9:00am-6:00pm, Sat 10:00am-2:00pm

Cash Pawn

1303 South Fort Hood Street, Killeen, TX 76542

Check Cashing (254) 634-5224 Mon-Sat 9:00am-7:00pm, Sun 12:00pm-5:00pm

Western Shamrock

2006 E Rancier Ave, Ste 800, Killeen, TX 76541

Personal Loans (254) 634-0017 Mon-Fri 9:00am-6:00pm

ACE Cash Express

3301 E Rancier Ave Ste 103d, Killeen, TX 76543

Cash Advance (254) 690-3444 Mon-Fri 9:00am-7:00pm, Sat 9:00am-5:00pm

Killeen Community Profile

Killeen's economic landscape is profoundly shaped by its status as a premier military hub, located adjacent to Fort Cavazos. This military presence supports a diverse workforce but also results in a relatively young and transient population that often faces financial pressures. With a poverty rate of 17.4% and a median household income nearly $20,000 below the national average, many residents live in households with limited discretionary income. The need for short-term lending in Killeen often arises from these tight financial margins, particularly for military families and service workers navigating the costs of relocation, car repairs, or unexpected emergencies between pay cycles.

160,616
Population
$60,977
Median Income
17.4%
Poverty Rate
4.9%
Unemployment

Transportation

Drove Alone 78%
Carpooled 11%
Public Transit 0%
Walked 1%
Work from Home 8%
Other 2%

Worker Class

Private Wage & Salary 74.5%
Government 20.6%
Self-Employed 4.7%
Unpaid Family 0.2%

Income Distribution

Under $25K 22.8%
$25K - $50K 20.2%
$50K - $75K 18.5%
$75K - $100K 17.5%
Over $100K 21%

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019-2023) and BLS Local Area Unemployment Statistics (Dec 2025)

Frequently Asked Questions

How much can I borrow in Killeen?
Under Killeen city ordinances, payday loans are limited to 20% of your gross monthly income to help prevent over-borrowing.
Does Killeen have specific payday loan laws?
Yes, Killeen joined several other Texas cities in passing an ordinance that requires lenders to register with the city, limits the number of installments to four, and limits refinances to three.
Can I get a loan if I work at Fort Cavazos?
Active duty service members at Fort Cavazos (formerly Fort Hood) are protected by the Military Lending Act (MLA), which caps APR at 36%. Many payday lenders cannot offer traditional high-interest loans to active military personnel.
How fast can I get my money?
Most borrowers who are connected with a lender through our site see funds in their bank account as soon as the next business day, though timing depends on your bank.
What if I have bad credit?
Yes, many lenders in our network look at your current income and employment history rather than just your FICO credit score.
Are there limits on renewals in Killeen?
Killeen ordinance limits loans to no more than three refinances. At least 25% of the original principal must be paid down with each renewal or installment to ensure the loan is eventually paid off.
Do I need to visit a store in person?
No, our matching service is entirely online. You can complete the process from your home in Killeen or while on the go via your mobile device.
What are the requirements for Texas residents?
You must be at least 18, a Texas resident, have a regular source of income, and maintain an active checking account for fund deposit.
How much can I borrow in Killeen?
Under Killeen city ordinances, payday loans are limited to 20% of your gross monthly income to help prevent over-borrowing.
Does Killeen have specific payday loan laws?
Yes, Killeen joined several other Texas cities in passing an ordinance that requires lenders to register with the city, limits the number of installments to four, and limits refinances to three.
Can I get a loan if I work at Fort Cavazos?
Active duty service members at Fort Cavazos (formerly Fort Hood) are protected by the Military Lending Act (MLA), which caps APR at 36%. Many payday lenders cannot offer traditional high-interest loans to active military personnel.
How fast can I get my money?
Most borrowers who are connected with a lender through our site see funds in their bank account as soon as the next business day, though timing depends on your bank.
What if I have bad credit?
Yes, many lenders in our network look at your current income and employment history rather than just your FICO credit score.
Are there limits on renewals in Killeen?
Killeen ordinance limits loans to no more than three refinances. At least 25% of the original principal must be paid down with each renewal or installment to ensure the loan is eventually paid off.
Do I need to visit a store in person?
No, our matching service is entirely online. You can complete the process from your home in Killeen or while on the go via your mobile device.
What are the requirements for Texas residents?
You must be at least 18, a Texas resident, have a regular source of income, and maintain an active checking account for fund deposit.

Ready to Get Started?

Need cash for an emergency? Most Killeen lenders can fund your loan by the next business day if you apply before 11:00 AM CST.

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