Installment Loans in Texas (coming soon)


Type of Loan


Loan Amount

$150 – $1,000*

Loan Term

Up to 6 Months

Prepayment Allowed


Expedited Funding

The loan request must be finalized and approved by 1:30 PM EST to receive the funds on the same business day. All other requests received after the cut off time will be processed on the next business day.


*First time customer maximum loan amount is $500.

For detailed information on the annual percentage rate (APR) and all other applicable terms to your loan governed in the state of Texas, please refer to your loan agreement.

Need a loan now? We’re here to help.

Installment Loans in Texas

Cypress Creek Financial West, LLC is a licensed Credit Access Business (CAB) and a registered Credit Service Organization (CSO). We will attempt to arrange an Installment loan between you and an unaffiliated third-party lender who provides the funding. We will service the loan after issuance. This installment loan is an expensive form of borrowing and is not intended to meet long-term financial needs. Installment loans can help with unforeseen expenses, bills and emergencies.

We have a knowledgeable Customer Support team that is here to answer any questions about our products and or application process. Loans can be requested by phone, online application, email or text message.

Term of Loan

Texas Installment loans are approximately 6 months or 180 days in duration. Your loan will be payable in 11 installments if you receive your income bi-weekly, semi-monthly or weekly, if you receive your income monthly, your loan will be payable in 5 installments. It is advisable to pay you off as early as possible to minimize the total cost of the loan and there are no prepayment penalties.

Cost of Loan

Cypress Creek Finanical West, LLC charges a CAB (Credit Access Bureau ) fee which is fully assessed at loan origination. In addition. the lender will charge 10% interest per year on the Loan principal which includes the CAB fee. Please see your loan agreement for your specific CAB fee and interest charged.

Example Loan Payment Schedule

The Installment Loans consist of approximately equal payments with the exception of the final payment which will vary slightly. Your specific loan payment schedule will be included in your loan agreement and will be accessible to view online at Below is an example of a payment schedule for a $500.00 loan to a first time customer in 11 bi-weekly installments. The cost of your loan, including the annual percentage rate (APR), repayment amount and payment schedule will vary depending on the specific details of your loan, which are available in your loan agreement. Each Installment Loan may be structured differently, including the CAB Fee amount that Cypress Creek Financial, LLC charges. Please review your loan agreement carefully to assure that you understand the terms and costs of your loan.


Annual Percentage Rate Finance Charge Amount Financed Total of Payments
The cost of your credit as a yearly rate The dollar amount the credit will cost you The amount of credit provided to you on your behalf The amount you will have paid after you have made all payments as scheduled
774.040% $1420.94 $500.00 $1920.94

Payment Schedule

Payment Date Payment Amount
05/26/2021 174.61
06/09/2021 174.61
Payment Date Payment Amount
06/23/2021 174.61
07/07/2021 174.61
07/21/2021 174.61
08/04/2021 174.61
08/18/2021 174.61
09/01/2021 174.61
09/15/2021 174.61
09/29/2021 174.61
10/13/2021 174.84

If a payment is late by more than 10 days, you will be charged a  late fee equal to the greater of 5% of the delinquent installment amount or $7.50.

If any payment made by you on this loan is not honored or cannot be processed for any reason, including insufficient funds (NSF) in your bank account, you agree to pay us a fee for $30.00.


State License

Cypress Creek Financial West, LLC is registered with the Texas Secretary of State as a Credit Services Organization (“CSO”) and licensed by the Texas Office of Consumer Credit Commissioner as a Credit Access Business (“CAB”). Click below to view the Texas licenses.

Texas License

Questions or complaints should be directed to Texas’ regulatory agency. Click here for contact information.


Consumer Disclosures

The following links contain disclosures as required by the Office of the Consumer Credit Commissioner (OCCC) for all residents applying for an Installment Loan. These disclosures outline all of the estimated costs associated with Installment Loans of the following amounts:

$300 Installment Loan 5 Monthly Installments

$300 Installment Loan 12 Bi-Weekly Installments

$500 Installment Loan 5 Monthly Installments

$500 Installment Loan 12 Bi-Weekly Installments

$750 Installment Loan 5 Monthly Installments

$750 Installment Loan 12 Bi-Weekly Installments

Fee Schedule – Common Loan Amounts


Consumer Credit Notice

This business is licensed and examined under Texas law by the Office Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin Texas 78705. Phone: (800)538-1579. Fax: (512)936-7610. Website: Email: [email protected]

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.


Have additional questions regarding the Installment Loan product in Texas?

Check out our FAQs page or call our customer service team at 800-986-3017. You can also text us at 63591 or email C[email protected] We will be more than happy to assist you.