Payday Lending

On December 21, 2015, the Mesquite City Council passed an ordinance to provide new registration requirements and guidelines for payday lending businesses in Mesquite beginning April 18, 2016. Mesquite joins 29 other Texas cities who have passed ordinances regulating the payday lending industry in their communities.

The new requirements include a $75 city registration fee, maintaining a record of all loans made in the previous three years and enhanced financial education/assistance programs for customers. The key features of the new guidelines include payday loans not exceeding 20 percent of the customer’s gross monthly income and restrictions on auto loans.

The ordinance also regulates the repayment procedures which payday lending business can implement and refines the agreement processes to enact stronger transparency and protection for the customer. The full ordinance may be viewed below.

Payday Lending Ordinance

Mayor Stan Pickett discussed the ordinance during the December 21 City Council meeting. His statement may be viewed online. A City-issued news release provides further information.

News coverage of the new policies is available at

Current State Licensed Mesquite Lenders

  • Ace Cash Express
  • Advance America
  • Cash Max
  • Check N Go
  • First Cash Advance
  • LoneStar Title Loans
  • Speedy Cash
  • TitleMax

Emergency Financial Assistance Programs

Other forms of emergency financial assistance are available in Mesquite. Both Mesquite Social Services (MSS) and Sharing Life Community Outreach (SLCO) offer short-term financial assistance programs.