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
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Why Should I Choose Short-Term Online Loans at AdvanceSOS?
1. Quick All-in Application for Many Lenders
Loan searching can be the biggest struggle of borrowing. If you need urgent funding immediately, in-person borrowing can only disappoint you. Surveying your options can take hours. Applying can take a few days more as you wait for lenders to get back to you.
But here at AdvanceSOS, we do not disappoint our customers who need fast cash loans today. We offer instant approval of loans 24 hours a day and 7 days a week. Get same-day payday approval for our same-day deposit loans. Get the help you need at once for your cash emergencies.
Our fast and easy application only takes 3-5 minutes and will reach ALL our licensed lenders. Within a few minutes, we can already get back to you with your top loan offer. Sign the contract and get money into your bank account within 24 hours- sometimes, even less! No waiting for store hours, queuing or waiting needed.
2. Flexible Terms: Unemployment & Bad Credit OK
Lenders can be, and their requirements can be hard to achieve, but not here at AdvanceSOS. We do not let any credit type or financial situation get in the way of extending our services. We have loans for our valued customers from all backgrounds.
Borrow a small-dollar loan ranging from $100 to $1,000 (even up to $5,000) with a BAD credit score or NO credit history. Keep in mind the maximum sum you can get depends on payday loans laws in your state. Poor and bad credit is not a big problem because we have no traditional hard credit checks like banks and credit unions. Low income or even unemployment is also not a problem as long as you have an alternative. We accept disability checks, alimony, child support, and the like.
Another feature of our no-credit-check loans is our fax-less payday loans. No need to fax – send only scanned copies of your documents so we can process your application right away.
3. Trusted Loans with Reliable Licensed Lenders Only
We do not tolerate scams and questionable lending services here at AdvanceSOS. Using our advanced AI systems, get connected to trustworthy direct lenders near you. With the help of our experts, ensure your complete safety and the security of your data.
Once we receive your application, our systems will get right on matching you with our most eligible loan provider. We have 150+ direct lenders from all established loan centers, shops, stores, companies, agencies, organizations, apps, and other alternative local lenders in our network. So, we will not only find you an offer but the top one at that.
Never again be scammed into lending offices, locations, and places where lenders offer risky loans with high rates. Get your fast cash loans only from AdvanceSOS. Secure your privacy and financial future all at once.
Apply for a Fast Payday Loan Online
How to Apply for a Payday Loan Online?
Apply for an AdvanceSOS payday loan within 3 minutes online. Get instant approval for the top loan offer within hours and fund your cash needs within 24 hours or less today!
Step 1 – Make an Application
Let us know how much you need, how long you want to borrow it, a few basic personal details, where we can deposit your funds, and how we can reach you (phone number and email).
Step 2 – Decision & Approval
Within a few hours, receive your top loan offer. This is already pre-approved, ready for your approval. After exploring its terms, you can go on and e-sign your loan contract to cash it out.t.
Step 3 – Receive Money Within 24 Hours
Be ready to receive your loan funding in your bank account within 24 hours or less. Access your funds anytime, anywhere, using any ATM near you right away.
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 January, 2022
– do you want to add, delete or modify your company details? Contact us – email@example.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:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
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.
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.
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.
Amanda is a senior financial copywriter at AdvanceSOS. She has more than six years of journalism experience, mostly in finance. She graduated with a Master’s degree in finance from the University of Oklahoma.