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Payday Loans in Texas

Are you from Texas and need money for unplanned expenses? Apply for payday loans in Texas City and cover your needs right away. We have a simple application process.
  1. Fill in the form. It takes less than a minute.
  2. Get approved—high rate of approvals.
  3. Get your money in 24 hours or less.

What are payday loans?

Online payday loans in Texas are short-term loans regulated by the Laws Tex. Fin. Code §§ 393 et seq.,  4 Tex. Fin. Code §§ 342.004. Borrowers can repay these loans on their next paycheck. Lenders will just withdraw the money from their bank accounts. Short-term loans (up to $1,000) are not as flexible as installment loans that can reach $5,000.

Why might I need online payday loans in Texas from direct lenders?

Surprise situations can arise every day, and you might need some extra cash to solve them. That is why a quick financial solution would be perfect for saving your budget. Here are several cases when you might need one of our cash advances in Texas:
  • Unexpected medical bills. You never know how much money you may need for paying some medical procedures or doctor consultations. But a quick loan can solve these problems in no time.
  • House repairs. If the refrigerator dies and ar conditioning just stopped, an extra $200 – $500 may save from heat suffering in the middle of summer.
  • Car repairs. It’s an ongoing problem with old cars. Make sure you have a tiny budget for car services before your next paycheck.
  • Family emergency. A little surprise for an unexpected party, or maybe a birthday of a new family member. Get ready for it with a short-term loan and cover all the expenses. 

How do payday loans work in Texas?

In Texas, payday loans work the same as in other states. Lending companies make efforts and guarantee loans in Texas City with full responsibility and time-saving. The process of getting a cash advance in this state is simple:
  • You access the site of a service provider.
  • Fill in the application form with valid information about yourself and submit it.
  • Wait about 5 – 10 minutes for a loan decision from a direct lender.
  • If approved, both of you sign the contract online.
  • You receive your money on the next business day in your bank account.
The whole process is 100% safe for consumers from Texas. There is no faxing and unnecessary paperwork. Simple as it is!

What do I need to apply for a payday loan in Texas?

First, you must be at least 18 years and be a US citizen. These are requirements of lenders in all states. Besides, they might require you the following details:
  • Valid ID
  • Open and active checking account information
  • Proof of income
  • Working telephone number

Can I get online payday loans in Texas with bad credit?

Yes, you can get a loan in Texas with bad credit. Loan companies in Texas provide a soft credit check for all clients who need extra cash as soon as possible. Lending services perform these checks through alternative checking companies, not through those three traditional credit bureaus. So, don’t worry. These reports won’t affect your credit history at all.

How do I get Texas cash loans?

If your loan was approved, you could pick up the money in-store or have it deposited into your bank account the next business day. On your next payday, the lender will withdraw the money from your bank account. You don’t have to stay in lines to repay the cash advance. Everything is online and 100% safe.

Why choose X company in Texas?

Fast Decision Provided. Receive an immediate answer on your loan application, whether you choose to apply online or at one of the payday loan stores. Clear Terms & Conditions. As a borrower, you’ll receive a list of clear terms and conditions. When you apply for a cash advance in Texas, you’ll know what you’re getting. Safety. We value your privacy and make efforts to provide you no tricky application process. There are no third parties involved in the process of getting short-term cash advances. 

Representative Example

To understand better the costs of a payday loan in Texas, see the representative example below: A 17-day payday loan of $500.00 has an APR of 611.14% and a Finance Charge of $142.32.

Texas Disclosure for Consumers

This business is licensed and regulated by payday loan Texas laws and the Office of Consumer Credit Commissioner (OCCC), a state agency. If the company can’t solve the complaint or question, 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: occc.texas.gov. Email: [email protected]

Texas Rates and Terms

The statute of limitations on payday loans is not set in Texas as a rule. But lending services offer up to $1,000. Its term is up to 6 months. A small loan is legal, according to 5 Tex. Fin. Code §§ 393 et seq.1, 4 Tex. Fin. Code §§ 342.004.2 The maximum APR is 410%. There are no limitations on rates and fees in Texas. Lending companies usually take 10% of the loan. There is also a $30 NSF and a 5% collection fee.

FAQs

Can you go to jail for a payday loan in Texas?

No, the authorities won’t arrest you for defaulting on a payday loan. However, if you are sued or a court judgment has been initiated against you, and you ignore a court order to appear, a judge may warrant your arrest. So, pay attention to cover your debts in Texas.

What is the best online payday loan?

Here are the companies that offer the best online payday loans in Texas:
  1. Lend You
  2. Greenlight Cash
  3. PaydayPlus.net
  4. Indylend

How much money can I borrow in Texas?

In Texas, you can borrow payday loans from $100 up to $1,000. If you need more money, consider other options of funding that your lender can provide.

Why do Texas payday loans have such a long term?

A traditional payday loan is typically paid back in full on your next payday. However, Texas payday loans differ from conventional payday loans. You might request several months to repay your loan. These happen because of the maximum amount of the loan. It is hard for consumers to pay $1,000 at once on their payday. So, the authorities in the financial industry extended the term to 180 days.

What are my options for loans in Texas?

If you need to cover more expensive bills, then consider installment loans (from $1,000 up to $5,000) and personal loans (from $5,000 up to $35,000) in Texas. The regulations allow you to take these cash advances on a minimum term of 90 days and maximum terms from 36 months up to 60 months.