- Payday loans in Mansfield follow Texas law (Texas Finance Code chapter 393 (Credit Access Businesses)).
- Texas law sets no cap on payday loan fees, so prices vary widely by lender.
- 1 credit union is headquartered in Mansfield; ask about small-dollar loans before borrowing.
Mansfield at a glance
| Mansfield | |
|---|---|
| Population (2024 Census estimate) | 80,803 |
| Change since 2020 | +11% (growing fast) |
| Counties | Ellis County, Johnson County and Tarrant County |
| Size rank among 1,127 Texas places we cover | 52nd |
| Nearest larger city | Arlington (about 9 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in these counties | 20 |
| Other towns within 25 miles | 52 (about 2,820,141 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
There is no separate Mansfield payday law: Texas rules apply here, and any lender serving Mansfield residents, online or in person, needs a license from the Texas Office of Consumer Credit Commissioner (OCCC).
Credit unions in Mansfield
These credit unions have their main office in Mansfield, according to NCUA call report data (June 2026):
- Texas Trust Credit Union (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Mansfield
In short, Texas rules that cover Mansfield include: how it works: most payday and title loans are arranged by licensed Credit Access Businesses (CABs) with a third-party lender; fees: cAB fees are not capped by state law, which is why Texas has some of the highest APRs in the country; licensing: each CAB location must be licensed by the OCCC. See the full Texas payday loan rules.
Many Texas cities have their own rules for credit access businesses, such as limits on loan size and renewals. Ask the lender whether Mansfield has one, or contact the city.
What a $300 loan costs in Mansfield
The Center for Responsible Lending put the typical APR on a $400 payday loan in Texas at 662% (June 2023). Texas law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in Ellis County before you borrow
Before a payday loan, Mansfield residents can usually find something cheaper:
- Local assistance through 211 covering Ellis County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Mansfield
- Kennedale · 8 mi
- Dalworthington Gardens · 8 mi
- Arlington · 9 mi
- Cedar Hill · 9 mi
- Venus · 10 mi
- Grand Prairie · 10 mi
The nearest larger city is Arlington, about 9 miles away. See all 1,127 Texas cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Mansfield?
Yes. Payday loans are legal in Mansfield under Texas state law, and lenders must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).
How much does a payday loan cost in Mansfield?
Texas law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 662% in 2023.
Are there credit unions in Mansfield?
Yes. NCUA data lists 1 credit union with a main office in Mansfield, including Texas Trust Credit Union.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Texas OCCC — Credit access businesses
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary