Applying does NOT affect your FICO® credit score!
If you are looking for payday loans in Texas, you can have come to the right place. CashinaSnap acts as a premium loan referral service – matching your loan request with the lender who is most likely to approve you and offer the best possible loan. Whether you are looking to borrow $100 to $35,000, over 1 month or 60 months, we are here to help!
With CashinaSnap, our entire loan process is 100% online and you can get a decision in seconds after completing and submitting our simple form, using your mobile, desktop, or tablet.
When unexpected financial challenges arise in the lone star state, you can rely on CashinaSnap for swift assistance. Whether you're searching for "Texas payday loans near me," need a $255 payday loan in TX, or require emergency loans in Texas with no credit check, we're here to help.
We proudly work with many payday loan companies in Texas – and CashinaSnap can find the perfect fit for you. Our list of partners includes 100+ direct lenders – so we are sure to find you the best option available on the market.
Payday lending status in Texas: legal
The Texas payday loan laws are some of the least restrictive in the country.
Maximum loan amount: $35,000
Maximum Interest Rate (APR): N/A, due to the credit access business loophole
Minimum loan term: 7 days
Maximum loan term: 180 days
Number of rollovers allowed: Any
Number of outstanding loans allowed: Any
Cooling-off period: None
Finance charges: Any, due to the credit access business loophole
Criminal action: No, except in case of forgery, fraud, or theft
Payday loans have incredibly high fees and shorter repayment terms, making it difficult for some borrowers to afford their payments when they come due. Never get a loan of any kind if you are unsure, you will be able to make the payments. Never get a loan to pay for another loan, this can lock you into a cycle of debt.
The statute of limitations refers to the period that a debt collector can initiate a lawsuit to collect on your outstanding debts. After it expires, there’s no point in pursuing legal measures because a court can no longer order you to pay the balance. In Texas, the statute of limitations on debt is four years.
You can receive the funds for a payday loan in Texas into your account in one business day if you are approved. Once you have filled out the online form, you’ll receive a decision in seconds and depending on the lender and product, should receive the money in just one business day.
There’s no reason to give up hope if you have bad credit. You can still get a payday loan in Texas with bad credit. Our lenders are willing to accept all credit histories, including poor credit. This means that you should still inquire with us even if you have already been turned down by a bank or credit union.
It doesn’t matter if you have no credit at all; we might still find a lender willing to provide a suitable loan for you.
Our direct lenders do not perform hard credit checks but use alternate database solutions to quickly review your loan request. You will get an answer in 90 seconds or less after submitting your information.
To apply for a cash advance payday loan, you must:
No, CashinaSnap is not a direct lender. We are a trusted referral source to over 100 lenders improving your odds of gaining approval…all in one place.
If you find yourself unable to repay your Texas payday loan, fees and/or penalties may be added. The lender will usually get in touch and explain how much you owe and when this needs to be paid by. To avoid any further communication, letters or inconveniences, the best thing you can do is speak to your lender and discuss some solutions or payment plans to clear your balance. The sooner you contact your lender about a possible missed payment the better. Most lenders will work with you to find a solution.
When you apply for a payday loan in Texas with CashinaSnap, you can borrow $100 to $35,000 and the amount you can borrow will depend on factors such as your income, and how many other financial obligations and commitments you have open. For amounts of $1,000 or more there will likely be a credit check performed to ensure you qualify.
No, we do not charge a fee for submitting a loan request with CashinaSnap. Never pay any fee in advance for a loan of any kind. Pre-pays are a sure sign of fraud or scams.
You can borrow from 1 month to 6 months (or up to 180 days). A payday loan is perfect for just a few weeks or months to pay off a pressing expense or bill, otherwise you may prefer to opt for a longer term instalment loan to spread payment over several years.
It’s easy to find out, just complete our simple form, Click Here to get started.
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