Payday Loans in Austin, TX
If you need fast cash to pay off emergency bills, consider taking out one of our payday loans online. These short-term loans come in several different amounts and have high-interest rates. AdvanceSOS helps customers get in touch with trustworthy lenders for payday loans in Austin, TX. Scrolling down, you’ll find out about our application process, loan types, regulations, and extra costs.
How to Apply for a Payday Loan Online in Austin, Texas
Our loan application is swift and straightforward. It’ll only take a few minutes out of your day, and you could end up with a 300 dollar loan or more in no time. Just follow these steps:
- Navigate to our webpage and click the ‘Apply’ button.
- Fill in the loan application with all the required details. Make sure to double-check to avoid any unwanted issues later.
- Hold while we go over your application and present you with the best options for you.
- E-sign the loan agreement and accept our terms and conditions.
- Sit tight until the loan transaction goes through and the money shows up in your balance.
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:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
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.
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.
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.
ATM Locations in Austin, TX
|ATM||7439 N Lamar Blvd, Austin, TX 78752|
|Cardtronics ATM||2616 W Braker Ln, Austin, TX 78758|
|Wells Fargo ATM||1000 E 11th St, Austin, TX 78702|
|Cardtronics ATM||12550 Metric Blvd, Austin, TX 78727|
|Cardtronics ATM||525 W Slaughter Ln, Austin, TX 78748|
|Wells Fargo ATM||2336 S Congress Ave, Austin, TX 78704|
|Corner Store ATM||4600 W William Cannon Dr, Austin, TX 78749|
|ATM||1166 Airport Blvd, Austin, TX 78702|
|Wells Fargo ATM||11900 Metric Blvd, Austin, TX 78758|
|Cardtronics ATM||3909 S Congress Ave, Austin, TX 78704|
|Corner Store ATM||8628 Manchaca Rd, Austin, TX 78748|
|Corner Store ATM||6306 E Riverside Dr, Austin, TX 78741|
|ATM||3404 Lockhart Hwy, Austin, TX 78744|
|Cardtronics ATM||6721 S Congress Ave, Austin, TX 78745|
|Cardtronics ATM||421 E 6th St, Austin, TX 78701|
|Bank of America ATM (Drive-thru)||12574 Research Blvd, Austin, TX 78759|
|Wells Fargo ATM||2237 E Riverside Dr, Austin, TX 78741|
|Wells Fargo ATM||9306 N Lamar Blvd, Austin, TX 78753|
|ATM||400 Congress Ave, Austin, TX 78701|
|ATM||1308 E 4th St, Austin, TX 78702|
|Corner Store ATM||1405 W William Cannon Dr, Austin, TX 78745|
|Cardtronics ATM||2616 W Braker Ln, Austin, TX 78758|
|ATM First State Bank Central Texas||6500 N Mopac Expy Bldg 1 Ste 1101, Austin, TX 78731|
|ATM First State Bank Central Texas||3951 W Parmer Ln #100, Austin, TX 78727|
|Wells Fargo ATM||500 W William Cannon Dr, Austin, TX 78745|
|ATM (Austin Shell)||3828 N Interstate Hwy 35, Austin, TX 78751|
|Wells Fargo ATM||10400 Research Blvd, Austin, TX 78759|
|ATM (Fifth Third Bank)||9442 Capital of TX Hwy N, Plaza 1 #500, Austin, TX 78759|
|Bank of America ATM (Drive-thru)||3600 N Capital of Texas Hwy, Austin, TX 78746|
|Cardtronics ATM||7715 E Ben White Blvd, Austin, TX 78744|
Amanda is a senior writer at AdvanceSOS. She has more than six years of journalism experience, mostly in the finance sector. She graduated with a Bachelor’s Degree from Drew University.