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

Payday loans in Lubbock TX

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

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 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?

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.

Loan Alternatives

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.

Title Loans

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.

No-Credit-Check Loans

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.

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