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Payday loans in Houston TX

Fast Payday Loan Lenders near Houston, 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 Houston, TX.

Quick Online Payday Loans in Houston, TX, USA Faxless

Payday Loans Companies in Houston, TX

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

Company Address ZIP code Phone Number Ranting Reviews
Check `n Go 8409 Hillcroft St 77096 (713) 399-8318 4.8 255
Check `n Go 6348 Telephone Rd 77087 (713) 364-4530 4.9 202
Advance America 453 Uvalde Rd 77015 (713) 333-8207 4.9 188
Advance America 8574 Westheimer Rd 77063 (713) 353-4175 4.9 181
Power Finance Texas 11811 North Fwy 77060 (832) 299-8726 4.6 164
Advance America 2802 N Shepherd Dr Ste 200 77008 (713) 386-0748 5 142
Advance America 9281 S Main St 77025 (832) 277-1346 4.9 121
Cash Store 5212 Bellaire Blvd 77401 (713) 383-1734 4.8 120
Texas Car Title & Payday Loan Services, Inc. 428 Uvalde Rd 77015 (713) 345-2597 4.9 102
Texas Car Title & Payday Loan Services, Inc. 2206 Fry Rd 77084 (281) 164-1491 4.7 102
Texas Car Title & Payday Loan Services, Inc. 12817 Aldine Westfield Rd 77039 (281) 122-7600 4.9 69
Texas Car Title & Payday Loan Services, Inc. 821 Farm to Market 1960 Rd W w 77090 (281) 144-9997 4.7 62
Texas Car Title and Payday Loan Services, Inc. 11085 Northwest Fwy 77092 (832) 255-4586 5 57
Texas Car Title & Payday Loan Services, Inc. 2435 Fulton St Suite B 77009 (832) 264-1177 3 52
Your Loan Depot 7418 Airline Dr ste y 77076 (713) 369-5200 4.1 40
Texas Car Title & Payday Loan Services, Inc. 9478 S Texas 6 77083 (281) 177-9900 4.5 25
No Wait Loans 13940 Westheimer Rd 77077 (281) 129-7400 2.8 11
EZ Money Payday 9560 Kempwood Dr 77080 (855) 536-3508 3 6
First Cash Advance 10950 FM 1960 B 77070 (281) 180-5338 3.7 3
payday champion 412 Main St 77002 (800) 045-3496 5 2

– 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?

Payday lenders in code areas 713, 281, 832, 346 impose a few requirements on potential applicants. When applying for payday loans, you typically need:

  • Be 18 or over
  • Have government-issued photo ID with proof of residency
  • Present Income proof (most recent bank statement or pay stub).
  • Active checking account.
  • Not be bankrupt.

Some applicants might also need an SSN for in-person and online payday loans. A few Houston cash advance companies also seek proof of address.

How Much Can You Borrow?

Payday loans in Houston, TX, are available for any resident in the state. Our small cash advances range from below $100 up to $1,000. Though the average loan size is $800, the following sums get most frequently sought:

We approve amounts depending on your request and eligibility. Your ability to repay and meet the essential criteria can influence the lending decision, too. Houston consumers can’t get cash advances higher than 20% of their gross monthly income.

When Will You Receive Your Funds?

We provide customers with instant access to Houston TX payday loans. When applying online, and if we approve you before 5 p.m. PT (weekdays), you’ll have money by the next business day. Fast cash can reach your account the same day in some instances, too.

When you apply in-store, you get an immediate decision after we review your documents. When approved, you will sign an agreement and receive instant cash.

APR And Fee

No lender in Houston can charge over 10% interest per transaction. Here’s a table on Texas, Houston payday loan charges:

  • Up to $30 – $1 for each $5
  • Between $30 and $100 – 1/10 of the loan amount + $3 /mo if under $30
  • Between $35 and $70 – $3.50/mo + $4/mo if over $70
  • Over $100 – $10 + $4/mo for each $100

There is no statutory cap on APR, so it can often exceed 400%. Most lending companies charge about $25 to $30 per $100 borrowed. For instance, if you borrow $500, the finance charge at the end of the two-week term will be $626.

Late fees cap at $7.50 or 5% of the loan amount, whichever is greater. Lenders generally assess late fees if your payment is ten days overdue.

Regulations Surrounding Payday Loans In Houston

The maximum amount of payday loans in Houston, TX, is not defined. Loan repayment terms vary from 7 to 180 days, depending on the loan type. Also, Houston law gives protection by banning lenders from dividing one loan into two to collect higher interest fees.

There are no restrictions on the number of rollovers and no cooling-off period specified. There is a legal limit on how many times companies can refinance the loan.

Loan Alternatives

Short-term loans can be a lifesaver when you’re in the middle of a financial setback. Still, to make a better-informed decision, check out our lending alternatives.

Bad Credit Loans

If you don’t have a good credit score, consider taking out a bad credit loan. AdvanceSOS is here to provide cash advance options to all types of borrowers from Houston. Yet, you should be aware that these types of loans may entail higher charges. To apply, present a regular income source proving that you can repay on time.

Title Loans

If you own a vehicle, an auto title loan may be the solution for you. With a clear car title and verifiable income, your past credit history will not count against you. We will keep the title of your car until you settle the debt. You still get to drive your vehicle during the loan. Car title loans can’t be lower than 3% of the Houston applicant’s gross annual income or 70% of the vehicle’s retail value.

No Credit Check Loans

No credit check loans may be your best shot if you have poor or bad credit. We usually run a soft check that won’t harm your score. Still, no credit check small loans involve specific risks and higher rates. Our Houston lenders consider data such as income, employment, and bank account standing to approve you.

Payday Loans For Unemployed

Have you recently lost your job? We accept revenue from other sources and not only from full-time employment. With AdvanceSOS, unemployed clients can also benefit from short-term financing solutions. To qualify, you must provide proof of regular income and have good credit.

Legit Payday Loans

In Houston, TX, payday loans have legal status. Such cash is beneficial if you’re looking for a small deposit of up to $1,000 urgently. Besides being legit, payday loans in Texas are a quick and reliable solution for any emergency.

Customers with a bad history can still borrow but may face stricter lending terms. Thus, personal loans can help you remedy an immediate lack of funds if you service them when due. Otherwise, charges will increase, and you may end up in a never-ending debt cycle.

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