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Get Quick and Easy Access to Local & Same Day Payday Loans in Killeen, TX

Payday loans in Killeen TX

Fast Payday Loan Lenders near Killeen, 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 Killeen, TX.

Quick Online Payday Loans in Killeen, TX, USA Faxless


Payday Loans Companies in Killeen, TX

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

Company Address ZIP code Phone Number Ranting Reviews
Advance America 2600 Trimmier Rd #400 76542 (254) 463-7720 4.9 218
Covington Credit 810 N W S Young Dr 76543 (254) 455-5991 4.8 194
ACE Cash Express 1040 S Fort Hood St 76541 (254) 452-2621 4.1 109
Covington Credit 3401 W Stan Schlueter Loop 76549 (817) 745-4625 4.9 96
Payment 1 Loans – Killeen 2501 S W S Young Dr #107 76541 (254) 424-8066 5 95
ACE Cash Express 3301 E Rancier Ave Ste 103D 76543 (254) 495-7805 4.6 91
Western Finance 2006 E Rancier Ave Ste 800 76541 (254) 463-0017 4.8 87
Stepstone Credit 830 S Fort Hood St 76541 (254) 421-0263 4.6 52
ACE Cash Express 205 W Rancier Ave Ste K 76541 (254) 452-3444 4.3 31
CashMax Title & Loan 2501 S W S Young Dr #105 76541 (254) 469-0455 4.3 28
Regional Finance 1900 E Elms Rd Suite 200 76542 (254) 466-6137 3.5 22
World Finance 110 E FM 2410 Rd Ste A 76548 (254) 468-5256 4.3 21
Cash Store 300 E FM 2410 Rd #102 76548 (254) 461-5265 3.6 15
Security Finance 311 N Gray St 76541 (254) 452-8528 4 15
Cash Store 1200 Lowes Blvd Ste 104 76542 (254) 461-5885 2.3 9
Service Loans 902 W Central Texas Expy Suite D 76541 (254) 455-6226 2.3 9
Austin Finance Co 333 E Avenue D 76541 (254) 452-6775 4.2 5
Cash Store 719 W Rancier Ave 76541 (254) 455-4017 4.5 4
MVP Payday Loans 3300 S Fort Hood St #308 76542 (254) 428-0767 5 3
Security Finance 302 Millers Crossing Ste 7 76548 (254) 469-2837 5 3

– companies ratings and reviews are based on their Google Business Profile. Updated October, 2023
– do you want to add, delete or modify your company details? Contact us –

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?

The documents needed to prove your eligibility for any small loan may vary across lenders. Yet, the basic requirements that most lending companies within our network request are the following:

  • To be a resident of legal age in Texas.
  • To have earnings of at least $1,000 per month.
  • To have an active checking account.
  • To present a Social Security Number.
  • To provide a phone number and email.
  • Not to be in bankruptcy.

How Much Can You Borrow?

Payday loans in Killeen, TX, typically range from as little as $50 to $1,000. The average amount lenders approve sits around $800. When it comes to our customers, they usually require the following amounts:

Any approved loan will depend on your capacity to service your debt. If you meet all underlying requirements, money transfer is almost guaranteed.

When Will You Receive Your Funds?

It’s usually within a day. Most borrowers witness that their cash transaction went through within hours. More specifically, quick cash can take place the same or the next business day. So, whatever the emergency, you’ll have a fast and convenient way to resolve it.

Instant cash generally depends on the time of applying. So, if you apply in the afternoon or during weekends, expect minor delays. These usually happen due to bank working hours.

APR And Fees

There are no specific rules for payday loans in Killeen, TX. There is no cap on the fees that lenders can charge. Also, there is no exact limit of the amount you can borrow, but products usually range between $50 and $1,000.

Here’s a table of the charges:

  • Up to $30 -1/5 of the amount
  • $30 to $100 – 1/10 of the amount + $3 a month if under $30
  • $35 to $70 – $3.50 a month + $4 a month if over $70
  • Over $100 – $10 + $4 a month for each $100

The maximum interest per transaction in Texas is 10% of the amount. Plus, the APR in Texas is anywhere from 400% to 640%. Lenders also charge $30 fees for NSF, which can worsen your situation if you can’t repay. Failing to settle your debt can lead to other extra charges, too.

Regulations Surrounding Payday Loans In Killeen, TX

Texas State has introduced regulations to ensure protection from scams. Rules forbid lenders to divide loans to impose higher interest rates and fees. However, there’s no maximum amount specified when applying for payday loans.

Killeen residents can ask for as many rollovers as they want, which can severely damage their scores. Also, there’s no waiting time before taking on another loan, and consumers can request rollovers.

Loan Alternatives

Eligible clients who live in code area 254 can apply for various advance payday loans. Yet, cash advances may not suit everyone’s financial plans. Check out our other available options you can apply for.

Bad Credit Loans

A lack of history or past financial mishaps will not disqualify you from a loan with us. AdvanceSOS has approved customers with no credit history or bad credit history before. Meaning, we won’t decline you automatically for having poor credit. Yet, we may seek extra proof of your ability to repay.

Title Loans

When small loans cannot resolve your worries, you may turn to a car title loan. The only difference with such financing is that you’ll sign your vehicle over to the lender until you repay. Expect to get your title and the spare key back as soon as the debt gets settled.

No Credit Check Loans

Fearing rejection because your credit score makes you a risky borrower is not a rare sight. If this is your case, consider a no-credit-check loan that accepts applicants with any score. We’ll probably run a soft credit check to ensure you can pay the money back. Other criteria we look into may include your employment and account standing.

Payday Loans For Unemployed

Applying for a traditional bank loan may be out of the question if you have no regular employment. Your best shot is to choose a lender that considers income from other sources. So, if you receive benefits or a pension, try applying for short-term loans with us. To qualify, you must present a valid revenue source and proof of good credit.

Legit Payday Loans

We offer legit payday loans in Killeen for Texans that need fast access to cash. The first step in the process is to figure out which factors matter the most in your selection. Our loan locator will always give you legitimate and relevant loan offers. Never accept them until you understand all the fees and APRs that come with them.

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