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Get Quick and Easy Access to Local & Same Day Payday Loans in Amarillo, TX

Payday loans in Amarillo TX

Fast Payday Loan Lenders near Amarillo, TX

Borrow money for your urgent cash needs in Texas by visiting a lender’s office; or applying for an urgent loan online. But, if you need money fast from the best lender in your state, apply online. Check out the best features of applying for loans online here at AdvanceSOS. We also have for you a list of direct lenders near you in Amarillo, TX.

Quick Online Payday Loans in Amarillo, TX, USA Faxless

 

Payday Loans Companies in Amarillo, TX

Addresses, phone numbers, and reviews of lenders stores working nearby you:

Company Address ZIP code Phone Number Ranting Reviews
Check `n Go 1606 E Amarillo Blvd 79107 (806) 633-2050 4.8 49
ACE Cash Express 5811 S Western St Ste B 79110 (806) 635-7665 4.1 23
Cash Store 7200 SW 45th Ave Unit 12 79109 (806) 635-7322 4.8 21
ACE Cash Express 1500 E Amarillo Blvd Spc A 79107 (806) 633-0867 4 20
Cash Store 5722 W Amarillo Blvd Ste 6 79106 (806) 635-0317 3.7 6

– companies ratings and reviews are based on their Google Business Profile. Updated November, 2022
– do you want to add, delete or modify your company details? Contact us – info@advancesos.com

Use Google Maps to Find Loan Places Near Your Location

Do you want to learn more? Check the video about payday loans in Texas by Nick Wilson experienced loan officer.

What Will You Need?

To get approved for small loans, you need to meet several requirements. This way, our lenders know that you are trustworthy and can pay off the loan. The following documentation is required:

  • To be of legal age.
  • A valid, government-issued ID that proves you’re a resident of Amarillo.
  • A stable income of at least $1,000 per month
  • An active checking account.
  • A phone number and email address to be able to contact you in case further details are needed.
  • Social Security Number.

How Much Can You Borrow?

The state doesn’t specify a maximum limit on payday loans in Amarillo, TX. Yet, the average approved loan amount lies at $800. As for our clients, they usually go for a loan ranging from the following amounts:

When Will You Receive Your Funds?

Usually, within a day! It all depends on when and where you applied for the loan. If you apply in-store, you’ll get an instant decision, and you can leave with the cash. The same goes for payday loans online. An exception occurs if you apply after our working hours or on a non-working day. In this case, you’ll have your cash advance the following business days.

APR and Fee

The annual percentage rate for money advances in Amarillo isn’t specified. However, it can exceed 400%.

Moreover, if you borrow less than $30, payday loans in Amarillo, TX charge $1 for each $5; if the loan is between $30 and $100, there’s a 10% charge, plus a $3 monthly fee. If your loan is larger than $100, the extra charges are $10 for each $100 borrowed, plus $4 per month.

Regulations Surrounding Payday Loans in Amarillo

Applicants from Amarillo can borrow anywhere from $50 to over $1,000. There’s no maximum limit on small loans. Yet, on average, customers take out loans of around $800.

Moreover, there are two different loan terms you need to be aware of. If you take out a single payday loan, you must pay it off between 14 and 31 days. On the other hand, you can pay off installment loans within six months.

Texas law doesn’t specify a cooling-off period nor how many outstanding loans you can have. There are also no restrictions on the number of rollovers. Furthermore, lenders are banned from dividing one quick cash loan into two. This way, borrowers get protection from higher interest fees.

Loan Alternatives

Residents of the 806 code get access to a surplus of quick cash loans. Meaning, there’s more than one way to get your hands on advance payday loans. Check out these alternatives to payday loans in Amarillo, TX.

Bad Credit Loans

Having a bad credit score doesn’t prevent you from borrowing some instant cash. Plenty of our short-term lenders don’t perform a credit check on prospective borrowers. However, the customer must assure the lender that they’re able to repay. To do this, you need to provide proof of income, like a recent bank statement or a pay stub from your employer.

Title Loans

Title loans can act as a great cash advance to hold you over until your next paycheck arrives. These loans can go up to $5,000. To be eligible for this type of loan, you need to own a vehicle that you can use as collateral. During the loan term, the borrower can still use the car. After you pay off the loan, the lender relinquishes ownership of the vehicle, and you get it back.

No Credit Check Loans

If you need a quick financial advance, but you’re afraid to harm your credit score, consider taking out a no-credit-check loan. Most of the time, lenders will perform a soft check on you. Additionally, you’ll need to provide proof of income to assure the creditor you can repay the loan.

Payday Loans for Unemployed

If you are in between jobs, applying for a bank loan seems impossible. However, if you still have some income, you’re eligible for unemployment. Some payday loan lenders in Amarillo consider other revenue sources, like government benefits, retirement, or pension. Additionally, lenders only provide these quick cash loans to applicants with a good credit score.

Legit Payday Loans

In the State of Texas, payday loans are completely legal. These short-term loans could be of great help if you need a small sum of around $1,000 immediately. So, if you urgently need to pay off some unexpected bills, consider taking out payday loans in Amarillo, TX.

They’re also available to applicants that have bad credit. Yet, it’s important to note that they come with stricter terms and higher interest rates.

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