Top Rated payday loans

Need a little extra cash, but don't know where to turn? Texas residents who have less-than-ideal credit and find themselves with unexpected expenses, may qualify for a short-term loan from a payday loan provider. These short-term loans don't involve a credit check, and you can apply right from the comfort of your own home and have the funds electronically deposited in your account. All you need are the basics such as a checking account, current employer, driver's license, current address, and a Social Security number. In Texas, you can take out a loan of up to $1800.00 for a fee of about $25.00 per $100.00 that you borrow (depending on the provider). Loans are paid automatically on your next payday.

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How does a payday loan work in Texas?

Sign up online with a payday loan company providing information such as the name of your employer, salary, requested loan amount, and basic financial data. In Texas, registered payday loan companies act as CSOs (Credit Service Organizations), which means they act as intermediaries between you and a 3rd party financial institution. Your credit will not be checked, but a basic verification using checking databases will be run. If the payday loan company is able to extend a loan to you, you'll receive an email detailing the terms. Once you read and accept the terms, the money will be deposited in your account, generally the next business day. Then, on your payday, the payday loan company will automatically withdraw the amount of the principal, plus the loan fees, from your checking account. For more information on why it's important to borrow from a payday loan company that's registered as a CSO in Texas, please see our Texas Payday Loan FAQ.

Refinancing your loan

While you should only take out a payday loan if you can pay it back on your very next payday, there is an option if you don't have the money. Most payday loan companies will let you refinance your loan up to 4 times, if you pay the original fees, and accept new loan fees of the same amount (you must contact the payday loan company before the due date, generally 1 to 2 days). While convenient, those fees can really add up; refinancing just once on a $100.00 loan can cost you fees and interest equivalent to roughly 50% of your original loan.

Interesting facts

  • A loan shark is a person or body that offers unsecured loans at illegally high interest rates to individuals, often enforcing repayment by blackmail or threats of violence.
    Throughout history, usury laws made loan sharks commonplace. Many moneylenders skirted between legal and extra-legal activity. In the recent western world, loan sharks have...
  • In the United States, commercial finance is the function of offering loans to businesses. Commercial financing is generally offered by a bank or other lender. Most commercial banks offer commercial financing, and the loans are either secured by business assets or alternatively can be unsecured, where the lender relies of the cash flows of the...

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Popular Q&A

What are the interest rates on a USA payday loan.

The interest rates on USA payday loans are usually around 15% interest every two weeks. If you are looking for this measure in APR, it comes out to an APR of around 390%.