Payday Loans in Garland, TX
If you’re looking for a quick 200 dollar loan to cover emergency expenses, payday loans could be a solution to consider. With Payday loans in Garland, TX, you can get extra cash in a fast and reliable way. These high-interest, short-term loans come in different amounts. The loan application process is quick and has reasonable eligibility criteria. Once you get the cash advance, you could cover car repairs, medical expenses, or whatever other bills you’re dealing with at the moment.
How to Apply for a Payday Loan Online in Garland
Applying for payday loans is an easy process that can be done online within a few minutes. All you need to do is follow our guide below, and you could have the quick cash by the end of the day.
- Load our webpage and hit the ‘Apply’ button.
- Enter the needed information in the online loan application form.
- Wait for us to look over your request. If you’re approved, we’ll present you with various offers so you can decide what’s best for you.
- E-sign the loan agreement.
- Wait for the transaction to get processed and for the money to appear in your bank account.
What Will You Need?
Though the loan application process is fast and easy, you still need to fulfill several conditions. Below, we broke down all the criteria you must meet to qualify:
- A valid, government-issued ID proving you’re a Garland resident.
- To be of legal age.
- An active bank account with your name on it
- Social Security Number.
- Income of $1,000.
- Email address and phone number
How Much Can You Borrow?
Short-term loans in Garland, Texas, aren’t limited. Meaning, there’s no maximum cap, and consumers are free to choose the amount that best suits them. As long as you’re approved, you should have no problem taking out a 500 dollar loan or more.
Stats show that Texans take out an average cash advance of 800 dollars. As for our customers, they usually choose instant cash 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?
We refer to these advances as quick cash for a reason. Our network of lenders understands that these loans are time-sensitive. After our lenders approve your loan, they’ll transfer the deposit as soon as possible. So, the cash should show up in your account the same day.
However, this isn’t always the case. If you apply for a loan with us after our office hours, you’ll have to wait until the following business day. The same rule remains if you apply on a non-working day, like a national holiday.
APR and Fee
Payday loans in Garland, TX, don’t have a specified annual percentage rate. Hence, the APR often goes over 400%. These short-term loans usually have extra charges that the borrower needs to cover. For instance, small loans in Texas under $30 have a $1 fee for each $5 users borrow. Payday loans online from $35 to $70 have an additional monthly cost of $3.50. Loans larger than $70, however, come with an extra charge of $4.
Instant cash loans that range between $30 and $100 comes with an additional charge of up to 10% of the loan. However, if the cash advance is smaller than $30, the borrower needs to cover a $3 fee. Payday loans online that exceed $100 charge $10. Additionally, each 100 dollar loan comes with a monthly cost of $4.
Regulations Surrounding Payday Loans in Garland, Texas
Payday loans in Garland, TX, have loose regulations compared to other US states. Firstly, the state doesn’t limit you on the amounts you can borrow. Also, there’s no cooling-off period, so you don’t have to wait at all between loans.
You can repay single payday loans from two weeks to a month, while installment loans are due within six months. Additionally, the state of Texas doesn’t specify a limit on rollovers. Our consumers can request multiple rollovers and apply for new loans as they deem suitable.
The reality is that a small loan of $200 might not suit everyone’s needs. That’s why we have different types of payday loans in Texas. Scroll down to learn about the best alternatives regarding advance payday loans.
Bad Credit Loans
Residents of area code 214, 469, 945, 972 can apply for a payday loan even if they have bad credit. Lenders from our network consider several factors, including your employment and bank account standing. However, they’ll still probably run a soft check to ensure their protection.
Title loans can be a suitable option for applicants that own a car and need emergency financing. With these short-term loans, you sign over your vehicle’s title to the lender. Meaning, the lender owns your vehicle during the repayment term. Once the loan is paid off, the car title is returned to you.
No Credit Check Loans
Many applicants worry that a credit check makes them seem like a risky buyer. If this is your case, you should consider our no-credit-check loans. Our lenders usually run a soft credit check, which won’t damage your score. Still, you must provide proof of income.
Payday Loans for Unemployed
Even if you don’t have a full-time job, you could still be eligible for our financial help. Our lenders consider all kinds of income sources, not just traditional employment. These can include government benefits, retirement, and pension. Note that a good credit score increases the chances of approval.
Legit Payday Loans
Our payday loans in Garland, TX, are legal and legit. AdvanceSOS abides by all state and federal regulations regarding the financial products we offer. So, you’re perfectly safe while taking out our quick cash loans.
ATM Locations in Garland, TX
|Bank of America ATM (Drive-thru)||1110 E Northwest Hwy, Garland, TX 75041|
|Wells Fargo ATM||3050 S 1st St, Garland, TX 75041|
|Corner Store ATM||829 W Miller Rd, Garland, TX 75041|
|Bank of America ATM (Drive-thru)||Garland, TX 75040|
|ATM||601 W State St, Garland, TX 75040|
|Bank of America ATM (Drive-thru)||5610 Broadway Blvd, Garland, TX 75043|
|Bank of America ATM||140 N Garland Ave, Garland, TX 75040|
|Bank of America ATM (Drive-thru)||2949 N President George Bush Hwy, Garland, TX 75040|
|Cardtronics||2510 W Walnut St, Garland, TX 75042|
|Cardtronics ATM||2509 Firewheel Pkwy, Garland, TX 75040|
|ATM||595 Town Square Blvd, Garland, TX 75040|
|Frost Bank ATM||Financial Center, Garland, 11701 Plano Rd, Dallas, TX 75243|
|Bank of America ATM (Drive-thru)||955 W Centerville Rd, Garland, TX 75041|
|ATM||102 E Buckingham Rd, Garland, TX 75040|
|Comerica Bank – ATM||4950 N Garland Ave, Garland, TX 75040|
|Cardtronics ATM||1506 W Miller Rd, Garland, TX 75041|
|ATM (Dairy Way Grocery)||1810 W Kingsley Rd, Garland, TX 75041|
|Cardtronics ATM||3321 S Garland Ave, Garland, TX 75041|
|Cardtronics ATM||5401 N President George Bush Hwy, Garland, TX 75044|
|Cardtronics ATM||6122 Broadway Blvd, Garland, TX 75043|
|Saddletree Apartments||5710 Duck Creek Dr, Garland, TX 75043|
|Cardtronics ATM||4306 Saturn Rd, Garland, TX 75041|
|Cardtronics ATM||1702 Forest Ln, Garland, TX 75042|
|Wells Fargo ATM||1311 Marketplace Dr, Garland, TX 75041|
|Bank of America ATM (Drive-thru)||11409 E NW Hwy, Dallas, TX 75218|
|ATM||3432 W Buckingham Rd, Garland, TX 75042|
|Cardtronics ATM||873 W Miller Rd, Garland, TX 75041|
|Cardtronics ATM||2510 Belt Line Rd, Garland, TX 75044|
|ATM||2418 S Jupiter Rd, Garland, TX 75041|
|Bank of America ATM (Drive-thru)||3332 Broadway Blvd, Garland, TX 75043|
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.