Fast Payday Loan Lenders near Lubbock, 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 Lubbock, TX.
Quick Online Payday Loans in Lubbock, TX, USA Faxless
Why Should I Choose Short-Term Online Loans at AdvanceSOS?
1. Quick All-in Application
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 a Reliable Licensed Lender
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.
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 Lubbock, TX
Addresses, phone numbers, and reviews of lenders stores working nearby you:
|Company||Address||ZIP code||Phone Number||Ranting||Reviews|
|Western Finance||1812 Avenue Q||79401||(806) 676-4673||4.8||306|
|Advance America||410 Frankford Ave a||79416||(806) 678-8306||4.9||210|
|Advance America||3003 50th St #500||79413||(806) 678-0412||4.9||208|
|Sun Loan Company||2108 50th St||79412||(806) 674-0402||5||150|
|Check `n Go||4425 50th St||79414||(806) 678-4500||4.5||94|
|Shamrock Finance||2004 34th St||79411||(806) 674-1506||4.9||76|
|ACE Cash Express||1301 D 50th St||79412||(806) 674-3374||4.5||58|
|ACE Cash Express||4646 34th St||79410||(806) 679-1104||4.6||46|
|Cash Store||6301 82nd St Ste 1001||79424||(806) 669-1710||4.9||45|
|ACE Cash Express||502 Avenue Q||79401||(806) 674-5101||4.3||39|
|Texas Car Title & Payday Loan Services, Inc.||2702 34th St||79410||(806) 679-4400||4.6||38|
|Central Finance||2310 Avenue Q||79411||(806) 674-2274||4.3||38|
|Cash Store||3211 50th St B||79413||(806) 678-2274||4.3||35|
|Cash Store||5707 4th St UNIT 3||79416||(806) 678-7888||4.6||21|
|Cash Store||7029 Quaker Ave Lot 2-B||79424||(806) 678-1712||4.3||18|
|ACE Cash Express||5412 Slide Rd Ste 400||79414||(806) 679-2540||4||16|
|IIC Finance||2133 19th St||79401||(806) 676-5066||5||6|
|EZ Money||105 University Ave||79415||(806) 674-5129||5||1|
|Trust Payday Loans||3405 34th St||79410||(806) 699-4586||0||0|
|Loan Star||5105 34th St||79410||(806) 677-5121||0||0|
– companies ratings and reviews are based on their Google Business Profile. Updated July, 2022
– do you want to add, delete or modify your company details? Contact us – [email protected]
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?
Texas residents of the 806 area code need to meet several requirements to get approved for instant cash. So, make sure you provide us with the following information:
- A government-issued ID, proving you’re a resident of Lubbock and over 18.
- Social Security Number.
- A pay stub from your employer to prove you have a stable income (of at least $1,000.)
- An active checking account.
- Your contact information, such as your phone number and email address
How Much Can You Borrow?
The State of Texas doesn’t specify a limit on small loans. Meaning, applicants can get approved for loans of $50, $100, all the way to $1,000, or more. Most consumers, however, take out around $800 on average. As for our customers, they usually borrow a loan from the following range:
When Will You Receive Your Funds?
AdvanceSOS only works with top-class, reliable lenders who make it a point to get your money to you as soon as possible. So, once you’re approved, you should have the quick cash within the same day. Still, we have to mention that there are always exceptions. For instance, plenty of customers apply with us after our working office hours or on non-working days. In these cases, the money transaction will go through the following business day.
APRs and Fees
The extra charges depend on the size of the loan. To get a clearer image of the additional costs, consult the list below.
- Loans under $30 have a $1 fee for every $5 a customer borrows.
- Loans that range between $30 and $100 charge 10% of the loan amount. Additionally, there’s a monthly charge of $3 if the loan is below $30.
- Cash-advances, between $35 and $70, come with a $3.50 monthly fee. If the loan is over $70, however, there’s an additional $4 monthly charge.
- Loans that exceed $100 cost $10, plus $4 a month for each $100.
Moreover, there isn’t a fixed APR for payday loans online in Lubbock, Texas. So, these fees can exceed 400%.
Regulations Surrounding Payday Loans in Lubbock, Texas
Advance payday loans in Texas come with a strict set of guidelines that need to be followed by all parties involved. This way, both the lender and the customer get protection.
Firstly, there isn’t a limit on how much you can borrow. On average, applicants borrow around $800. Regarding repayments, you can come across two different kinds of terms. The first one is for single payday loans and ranges between 14 and 31 days. Installment loans, on the other hand, can be paid off within 180 days.
Residents of Lubbock are eligible for a lot of different types of small loans. Check out these top five alternatives to payday loans in Lubbock, TX.
Bad Credit Loans
There’s no need to worry if you’re dealing with a bad credit score, as you’re still eligible for a cash advance. There are plenty of lenders that provide instant cash to applicants with no credit or bad credit. We’ll likely still run a soft check to ensure that you’re able to pay the loan off.
If you need financial help and own a vehicle, title loans could be the answer for you. These short-term loans work by the applicant securing their vehicle as collateral. During the loan term, the lender has complete ownership over the car while the borrower uses it. After the borrower pays back the money, the borrower regains complete control over the vehicle.
Those who don’t want to risk a credit check should consider taking out a no-credit-check loan. With these loans, the lender usually runs a soft check. Hence, these cause no harm to your credit score. Yet, no credit check loans have higher interest rates. You’ll also need to assure the lender that you’re able to repay within the term. This entails providing proof of income, like a recent bank statement.
Payday Loans for Unemployed
If you’re in between jobs right now, that doesn’t mean you’re not eligible for any financial help. There are plenty of lenders that consider other revenue sources, aside from employment. So, if you have an alternate income source, like government benefits or pension, you’re eligible for unemployment payday loans.
Legit Payday Loans
Payday loans in Lubbock, TX, are 100% legal. They are a convenient and reliable way to cover any unexpected expenses you might be dealing with at the moment. Even if you have a bad credit score, you could still be eligible for our offers. So, if you need a quick money advance of around $1,000, payday loans online could be a lifesaver.