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payday loans Texas (TX)

Payday Loans Texas (TX)

With our simple online form, you can find online payday loans to suit your needs. Payday Loans Texas can help you find online loans of between $100 and $1000. We help you find a lender that fulfils your needs from our network of over 100 direct lenders. Each lender operates independently but most will have lending guidelines based on your recent income and current employment status.

How to Apply Payday Loans Texas (TX)?

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Complete Online Loan Form

  • In order to apply for your payday loan with Payday Loans Texas, first please check that you fulfil our eligibility criteria for all online payday loans in Texas State
  • Do you have a valid government identification such as a driver’s licence?
  • Are you 18 years of age or above?
  • Do you have a regular, provable source of income?
  • Are you free from serious mental health issues that might impair your ability to make legally-binding decisions?
  • Are you currently clear from all bankruptcy proceedings and actions?
  • Are you currently resident in Texas state?

If you can answer yes to all of these questions, you are guaranteed to be eligible for a same day payday loan, no matter how poor your credit score is.  To see the selection of online payday lenders that we have available for you, you will need to complete our online form.  This will usually require you to provide the following information

  • Your valid government ID number
  • Your current home address
  • Your social security number
  • Your bank account number

We will also require additional information such as the amount you would like to borrow in this payday loan, the length of time you would like to borrow for.  Once we have a complete understanding of your payday loan needs, our lenders will be able to process your application.

 

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2. Our lenders process your application.

All responsible lenders will need to ensure that they have successfully verified the information you have sent them. Once this has been done and the lender has accepted your application, they will send you the full terms and conditions.

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3. Receive your money.

The lenders depend on borrowers banks to facilitate their loans through the use of Automated Clearing House electronic payment systems.

Regulations

It is important to understand that all payday lenders throughout the United States are regulated through the Consumer Financial Protection Bureau at a federal level, as well as any specific state regulation.

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Charges and repayments

In Texas, payday loans are charged at a higher rate if they are accessed online. We have seen an average charge of $25 per pay period for each $100 dollars borrowed. It is important that you know how much you will need to repay at the end of your online payday loan.

You will need to know which repayment structure is best for you.  In general, there are three repayment options for people wanting online payday loans in Texas state.

      • Lump sum payment.  This is when you make a single payment to completely clear your loan.  You will usually make this payment on your next payday after taking out your online payday loan.  This one off type of payment can be ideal for those who simply need an advance on their wages to be able to afford an urgent purchase.
      • Instalments.  On an instalment repayment plan, you will repay the loan over several weeks or months.  An instalment plan will usually involve higher fees than a lump sum repayment, as it will usually involve borrowing the money for a longer period.  This type of online payday loan repayment schedule is best suited for people who need to make a large, one-off purchase which is unaffordable in the short term.  This could be paying for auto repairs or for covering the cost of home repairs, for example.
      • A composite or hybrid repayment plan.  This is where you only repay the fee for the first few pay periods. This means that you do not increase your debt, but the total amount that you have borrowed will remain unpaid until you start to pay off the principle.  Over time, your payments will need to increase to allow you to reduce the amount you have borrowed to allow you to pay off the loan.  These hybrid repayment plans for payday loans are suitable for those who might not be able to afford an instalment plan, but will have monies coming in soon to repay the principle of the loan.
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Lenders concerns

Lenders concerns

2. It is important that you understand the reasons for the high fees associated with online payday loans in Texas. Although every effort is taken to ensure that loans are repaid, online lenders can lose up to 40% of the amounts they have made available for lending. This compares to 20% losses for those payday lenders who operate out of stores. This means that online lenders need to be selective about their clients to minimise their losses. Please be aware that the high rate of default does not mean that payday lenders do not take appropriate action to collect the money that they are owed.

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Borrowers concern

    Questions have also been raised in the press about the behaviour of the payday lending industry.  There are reports of poor or illegal practice, such as
    1. Threats or harassment of those who are behind in repaying their online payday loans, or who are struggling to meet their repayment terms.  All our lenders are registered and regulated, with a clear complaints procedure to ensure that safety of all of our borrowers.
    2. Instances of lenders incorrectly allocating funds, prioritising fees above paying off the principle leading to extended repayment periods and higher borrowing costs.  Again, all of our lenders are fully regulated and such practices should be rare.
    3. In cases where lenders are able to claim monies back directly from the borrower’s bank account, it is possible for borrowers to drop into an unexpected overdraft and even have their accounts closed if they have not prepared for their repayments.  If you find yourself in this situation, please raise the issue with your online payday lender as soon as possible to avoid any further complications.

Working with regulated and reputable lenders means that we know that we are offering you the support you need to get you through your cash flow difficulties.

 

Frequently Asked Questions

Get all answers for questions about payday loans online

With a huge network of high quality lenders, Payday Loans Texas is able to help you find the payday lender you need to help you cover those emergencies or other unplanned expenses.

Applying for an online payday loan with Payday Loans Texas is simple. Our straightforward form should only take a few minutes to complete and allows us to help connect you with the best lenders to meet your payday loan needs. Once we have found a lender for you, you will need to visit their website to read their terms and conditions and then confirm that you are happy to go ahead with the loan. Once you have agreed to the loan, the money will be transferred directly to your checking account.

Payday loans Texas is not a payday lender. We offer a free service to help you to find the right online payday lender to fit your personal needs. All of our lenders offer a fast, effective service and are fully regulated at both a federal and state level. This means that you can borrow with confidence and solve your short-term cash flow issues now.
Once you have filled in our online application form, your information will be passed to our trusted partners, who will offer their terms and conditions. It is important that you read these terms and are happy with them, as they will form the basis of a legally binding contract. Once you have identified a lender you are happy with, you will be able to agree to the terms and receive the money you need to allow you to stop worrying.

Our lenders understand that the majority of our customers need their cash as soon as possible. Checks are necessary to protect the lender from losses due to non-payment and also to protect you, the borrower, from taking out loans that will cause further hardship, but these will be completed quickly. Our lenders aim to get your money to you on the same day whenever possible, and within one to two days in almost all cases. For online lenders, the funds will be transferred directly into your bank account directly, meaning that it available without the additional time needed to go into a store.

At Payday Loans Texas, we understand that your privacy and the security of your information is incredibly important. We take our responsibilities to you very seriously so we use advanced 256-bit SEL encryption. This means that the information you provide will be kept safe and secure at all times.

It is important that you borrow responsibly and that you have a plan to repay your online payday loan. If you start to struggle, it is essential that you contact your payday lender as soon as possible to discuss the situation and make a plan to resolve the situation.

Everyone has their own unique circumstances, and their own reasons for needing to get a payday loan. For most people, the main reason they take out a payday loan is to cover an expected bill or expense. This may be to fix a broken car to allow you to get to work or to cover repairs to your home to prevent further damage. Whenever you find yourself suddenly in need, Payday Loans Texas are here to help.

Applying for a payday loan with Payday Loans Texas is easy. Complete our simple, online form with some basic information showing your identity, your age, your income and your address and how much you want to borrow and for how long. Once you’ve done this, our lenders will get straight back to you explaining how much they are willing to lend and under what terms. All you need to do then is select which lender meets your needs and accept. It couldn’t be easier.