Payday Loans in Houston, TX
Advance payday loans from AdvanceSOS are ideal for unexpected situations. If you need immediate cash, a payday loan may be the perfect option for you. To qualify, you need to have a stable income. Borrowed funds can cover bills for vehicle repairs, home repairs, or a medical crisis.
Payday loans entail high-interest rates and fees. Still, they can provide quick funding within 24 hours during emergencies.
How To Apply For A Payday Loan Online In Houston?
Payday loans online are ideal for people who prefer doing things online. Completing the internet application is fast, secure, and simple.
- Hit the ‘Apply Now’ button on our website to start the loan application. You’ll spend no more than five minutes filling it out.
- Expect to receive an immediate decision with offers that match your requirements.
- Confirm the loan by submitting all documents and signing the e-agreement.
- Receive the cash in your checking account the same or the next business day.
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.
ATM Locations in Houston, TX
|Cardtronics ATM||2780 North Sam Houston Pkwy W, Houston, TX 77038|
|Cardtronics ATM||10004 Bellaire Blvd, Houston, TX 77072|
|Cardtronics ATM||8155 Katy Fwy, Houston, TX 77024|
|Allpoint ATM||3317 Montrose Blvd, Houston, TX 77006|
|Cardtronics ATM||6830 Cullen Blvd, Houston, TX 77023|
|Corner Store ATM||5121 N Shepherd Dr, Houston, TX 77018|
|Corner Store ATM||4439 Bissonnet St, Bellaire, TX 77401|
|Corner Store ATM||10302 East Fwy, Jacinto City, TX 77029|
|Corner Store ATM||6666 W, TX-8 Beltway, Houston, TX 77041|
|Corner Store ATM||6142 Long Dr, Houston, TX 77087|
|Corner Store ATM||9365 S Main St, Houston, TX 77025|
|ATM||8413 Stella Link Rd, Houston, TX 77025|
|Cardtronics ATM||3874 Holman St, Houston, TX 77004|
|Allpoint ATM Network||2050 W Sam Houston Pkwy S, Houston, TX 77042|
|Corner Store ATM||5802 Memorial Dr, Houston, TX 77007|
|ATM (Bank of Texas)||5825 North Sam Houston Pkwy W, Houston, TX 77086|
|Corner Store ATM||360 W Gulf Bank Rd, Houston, TX 77037|
|ATM Houston||1118 Sawdust Rd, Spring, TX 77380|
|Wells Fargo ATM||17239 Farm to Market Rd 529, Houston, TX 77095|
|ATM||7900 S Main St, Houston, TX 77025|
|Wells Fargo ATM||6621, 2001 Fannin St A1, Houston, TX 77030|
|Cardtronics ATM||9325 Katy Fwy, Houston, TX 77024|
|ATM||2122 Holly Hall St, Houston, TX 77054|
|Wells Fargo ATM||5000 Westheimer Rd #A, Houston, TX 77056|
|Cardtronics ATM||5803 Fondren Rd, Houston, TX 77036|
|ATM||306 Main St, Houston, TX 77002|
|ATM (Comerica Bank)||One Shell Plaza, 910 Louisiana St, Houston, TX 77002|
|Wells Fargo ATM||12411 Farm to Market 1960 Rd W, Houston, TX 77065|
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.