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Payday loans in Austin TX

Fast Payday Loan Lenders near Austin, 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 Austin, TX.

Quick Online Payday Loans in Austin, TX, USA Faxless

Payday Loans Companies in Austin, TX

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

Company Address ZIP code Phone Number Ranting Reviews
Western Finance 6602 S Congress Ave 78745 (512) 244-9787 4.9 257
Sun Loan Company 7419 Burnet Rd 78757 (512) 287-7881 4.9 140
Atlas Credit Co., Inc. 4410 E Riverside Dr Suite #104 78741 (512) 248-0030 4.8 131
Speedy Cash 7201 Cameron Rd 78752 (512) 245-1422 4.8 61
Speedy Cash 2514 E Ben White Blvd 78741 (512) 244-8077 4.2 21
Excel Finance 500 W William Cannon Dr #426 78745 (512) 244-3991 4.5 17
Friendly Loans 7517 Cameron Rd # 104 78752 (512) 245-3386 4.1 15
Cash Store 5510 S, I-35 Ste 190 78745 (512) 232-2167 4.7 12
Cash Store 600 E Ben White Blvd STE 400 78704 (512) 241-9900 3.1 11
Cash Store 9300 S I-35 Frontage Rd Bldg G150 78748 (512) 229-9092 3 10
Cash Store 2793 E 7th St 78702 (512) 247-9990 3.2 6
Raintree Finance 8401 Research Blvd b 78758 (512) 245-3299 3.7 6
Texan Credit Corporation 8222 N Lamar Blvd d35 78753 (512) 283-5200 3 6
Master Finance Company 2121 E Oltorf St Ste 8B 78741 (512) 247-6906 2.6 5
Urban Payday Loans 3214 W Braker Ln #353 78758 (512) 240-9859 5 1
Trust Payday Loans 916 E Koenig Ln 78751 (743) 320-4757 0 0
EZ Money 7439 N Lamar Blvd 78752 (512) 245-3789 0 0
MVP Payday Loans 2002 Whitis Ave 78705 (512) 272-5171 0 0

– 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?

When you apply for payday loans, you need to provide us with your details and meet several requirements. To ease you into the process, we’ve laid out all that you need:

  • Provide a government-issued ID that proves you’re of age and a resident of the area code 512 or 737
  • An active checking account with your name on it
  • A stable income source of at least $1,000
  • Not to have previously filed for bankruptcy
  • A valid phone number and email address

How Much Can You Borrow?

The state of Texas doesn’t specify a minimum or a maximum limit on small loans. So, applicants can choose between 100 dollar loans, 500 dollar loans, or even loans that exceed 1,000 dollars. On average, Texans take out a cash advance of around 800 dollars. As for our customers in Austin, they often go for a loan from the following range:

When Will You Receive Your Funds?

The short answer is as fast as possible! Our lenders make sure to send in the deposit as soon as you’re approved. So, you could promptly get your hands on the quick cash by the end of the day. However, if you apply after our working hours, that won’t be the case. They’ll likely send the money on the following business day. The same goes for consumers that apply on days when we’re not open, like on holidays, for example.

APR and Fee

Taking our advance payday loans will likely come with some extra fees you need to cover— consult the list below to learn all about the additional charges.

  • Loans below 30 dollars charge 1 dollar for every 5 dollars borrowed.
  • Payday loans online from 30 dollars to 100 dollars have a fee of 10% of the loan amount. Moreover, loans below 30 dollars charge 3 dollars per month.
  • Short-term loans that range between 35 dollars and 70 dollars charge 3.50 dollars a month. Financial advances over 70 dollars, however, have a monthly fee of 4 dollars.
  • Loans that exceed 100 dollars come with a $10 extra charge. Additionally, there’s a monthly fee of 4 dollars for each 100 dollar loan.
  • Moreover, payday loans in Texas don’t have a set annual percentage rate. So, they can exceed 400%.

Regulations Surrounding Payday Loans in Austin, Texas

The state of Texas has a set of strict regulations regarding payday loans online. All parties involved in the loans must follow them to ensure their protection. For instance, payday loans in Austin, TX, can come in two different terms. The first one refers to single payday loans. With this loan type, customers can repay the amount between 14 and 31 days.

Alternatively, installment loans are due within six months. Texas also doesn’t specify a limit on the instant cash amount. So, it doesn’t make a difference if you ask for a 200 dollar loan or a $1,000. It all depends on your eligibility.

Moreover, our payday loans in Austin don’t have a cooling-off period. This means that you don’t have to wait at all before requesting a new loan. Additionally, you can ask for as many rollovers as you like.

Loan Alternatives

Advance payday loans can come in several different types. The list below features the top five types of payday loans in Austin, TX, that you can get through our platform.

Bad Credit Loans

Even with a bad credit score, you can still take out instant cash loans. Many lenders offer their services to applicants with bad credit. They usually only perform a soft check, so your score isn’t harmed. To apply, you need to have a stable income source of at least 1,000 dollars.

Title Loans

If you’re in financial trouble and own a vehicle, consider taking out a title loan. These short-term loans work by the loan applicant signing over their car’s title to the creditor. During the lending term, you can still use your vehicle. Once you have completely repaid the loan, you have full ownership of the vehicle again.

No Credit Check Loans

Those that don’t want to go through a credit check can also apply for a cash advance. We work with lenders that only perform a soft check on the applicant. To be eligible, you need to provide proof of employment and income. You can do this with a pay stub from your employer.

Payday Loans for Unemployed

If you’re having trouble holding down a job, you’re still eligible for financial help. Many of our AdvanceSOS lenders consider other revenue sources, not just employment. So, if you receive income in the form of government benefits or retirement, you can apply. Note that a good credit score ups your chances of approval.

Legit Payday Loans

Payday loans in Austin, TX, have legal status. So, not only is instant cash legal, but it can also be a lifesaver when you need to service immediate expenses. All the money products here at AdvanceSOS are 100% legit and follow all the federal and state regulations.

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