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You only need to complete our simple online form to get your payday loan today. Payday Loans Texas will put you in contact with lenders who can have the money you need in your account within hours, all without the need for a credit check. Our lenders are happy to accept those with a bad credit history, so apply now. If you need cash fast, Payday Loans Texas are here to help. Simply apply online and your loan can be approved in under 60 minutes. The process is quick and easy, so start now. If you just need a little boost to cover you until the next payday, Payday Loans Texas is the easiest way to get the loan you need at the speed you need it. Apply now, we’re here to help.

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Our lenders accept people with bad credit history

  • When you need to borrow money in a hurry, it can be difficult to know who to trust. Our lenders are all direct lenders, meaning that they will be lending you the money directly, rather than acting as middlemen. Your contract will be with our lender, meaning that you know exactly who you owe and how much. We will never charge you fees for introducing you to a lender, and all our lenders will show you their fees up front.
  • Living within your means can be difficult, especially if your work is temporary or insecure. For many people, a sudden, unexpected expense comes up at exactly the wrong time. Under these circumstances, it can be useful to take out a loan, buying you the time to take on a few extra shifts or just to tide you over to the next payday. Unfortunately, this can be more difficult than you hope, especially if your credit rating is poor.
  • If you are in this difficult position, it can be useful to take out an online payday loan. These are short term loans, designed to help get you out of a tight spot.


All it takes is a simple online form to get your payday loan fast

  • Finding a payday lender can be difficult. Brokers will often charge you an introduction fee for helping you to find someone willing to lend to you. When you’re already short of cash, this can make a difficult situation worse.
  • Rather than struggling to find the additional broker’s fee (or borrowing even more when you do find a lender), a little research can help you out.
  • The difficulty with researching alone is that you may find thousands of lenders, and have no idea which are genuine and whether some of them are trying to get access to your personal details for fraudulent purposes. Whether you are looking for a direct lender alone, or through a free service such as Payday Loans Texas, you will need to look at the loan agreements you are offered. You want to be sure that the lender you choose has a valid licence to offer online payday loans, and that they have a clear registration service. All reputable lenders, such as those we partner with, will show you their fees and loan rates in advance of you accepting the loan. You will also want to be sure that the lender you use does not have any hidden charges included in their loan agreements. Only proceed with a loan agreement if you are sure that you are happy with the lender you have chosen. If you are unsure, or if you do not believe that you can repay the loan you are taking out, you may wish to consider an alternative lender or to discuss a different financial product. To access an online payday loan, you will need to have a monthly income in excess of $1000, at least 3 months of employment history with the same employer and to be permanently resident in the United States. You will also require a bank account, either a checking or savings account, and will need to be 18 years or older.

How do I choose an online payday loan lender?

If you are considering taking out any form of loan, including an online payday loan, you are entitled to know all of the details of the loan agreements, including all terms and conditions, as well as all borrowing costs and late payment fees. Despite being able to access this information, it can be difficult to know which of the prospective lenders are real and which might be fake or fraudulent. We have a few suggestions that might be able to help.

Direct lenders can usually offer lower interest rates

If you are borrowing your online payday loan directly from the lender themselves, you can usually expect to pay a lower interest rate. This is because going through a middleman or broker will require additional fees to be paid for the introduction. It is important that you know in advance of taking out a loan whether you will be asked to pay any brokerage fees or arrangement fees.

Security

All reputable lenders will follow all relevant federal and state legislation. In particular, they will have a privacy policy that ensures that they will respect the privacy and integrity of your personal information, and that this will not be passed to any other organisation (including banks or other financial institutions) without your express permission.


Instant response

Connecting directly to the lender means that you do not need to wait for an intermediary to pass on messages or information. As a result, you should be able to speed up the application process, ensuring that you receive your decision as quickly as possible.


Fast cash

Once the decision has been made, the lender should be able to transfer the cash to you in a short period of time. This means that you are able to get the cash you need when you need it. You are also able to change your mind at any point until the money is in your bank account. If you cancel the agreement without taking any of the funds, you should be able to do so without any cost or penalty fees.

Important information – non-payment can influence your credit score.

Working with a broker can increase the chances of you being the victim of fraud, or of incurring excessive costs. We recommend that you contact direct lenders to ensure your security and quality of service.

No matter where you access your loan from, it is essential that you know in advance how much you will need to repay, and to have a plan for making your repayments. Loan agreements will be sent to you in advance of you formalising any deal, meaning that it will be difficult to claim that you were unaware of or unhappy about any of the terms of this contract. Failure to make your repayments on time may lead to additional costs, some of which can be significant. There can also be legal consequences for non-payment. Any collateral you provide may be at risk if you fail to make your repayment. If you are struggling to repay your loan, please ensure that you contact your lender as soon as possible. If you do so before the repayments are due, you may be able to arrange alternative repayment options.

Your credit score will suffer significantly if you make late payments, or if you miss payments without having an agreement in place with your lender. This could limit your ability to obtain further loans in the future.

If it will be difficult for you to make your repayment in a single, large payment, you may be able to opt for an instalment repayment plan. Again, it is better to agree this with your lender in advance of taking out the loan. One of the advantages of working with a direct lender is that they will have a strong incentive to ensure that you are able to repay the loan you are requesting. A broker may fail to mention alternative repayment options if it would mean that they receive a smaller commission.

Online Payday Loans – No Need for any Credit Check – Approval Guaranteed

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How Payday Loans Texas can help you

Payday Loans Texas offer a simple online application form, allowing you to find the best lender for you. If you need a payday loan fast, we can help you get approval within an hour, even if you have a poor credit rating. Apply now for your online payday loan with Payday Loans Texas and get your cash in your account in under 24 hours. Our payday loans are available fast and are easy to arrange. Apply now to get the cash you need today.

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Customer Reviews

We appreciate all customer reviews. We want to know how about your experience with Payday Loans Texas. If you have any difficulties, or if you have any questions that we can help with, please contact us. Our staff are here to help you find the online payday loan you need.

Implications of Non-payment: Please note that some of our lenders operate a policy which allows them to rollover your loan in the event of non-payment. This will lead to an increase in the total amount payable. Different lenders will charge different fees for this service, but they will usually be similar to those charged for the original loan. Our lenders are requested to follow all best practice guidelines for legal and ethical collections, whether from government agencies or from the appropriate industry associations. Failure to repay a payday loan can have a negative impact on your credit score.