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

Payday loans in McKinney TX

Fast Payday Loan Lenders near McKinney, 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 McKinney, TX.

Quick Online Payday Loans in McKinney, TX, USA Faxless


Apply for a Fast Payday Loan Online

I read and agree to Terms, Rates, Privacy Policy, before submitting a loan request.


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.


Apply for a Fast Payday Loan Online

I read and agree to Terms, Rates, Privacy Policy, before submitting a loan request.


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 McKinney, TX

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

Company Address ZIP code Phone Number Ranting Reviews
TitleMax Title Loans 210 W University Dr Suite A 75069 (469) 920-1441 5 367
City Finance 1330 N McDonald St STE 205 75071 (972) 254-0092 5 210
Check `n Go 321 N US 75-Central Expy 1000 STE 205 75070 (469) 974-8691 4.9 104
Atlas Credit Co., Inc. 400 N US 75-Central Expy 1000 #105 75070 (972) 254-0071 5 75
Texas Car Title & Payday Loan Services, Inc. 1304 S McDonald St 75069 (469) 974-0414 4.6 48
ACE Cash Express 401 S Central Expy 75069 (972) 256-6728 4.6 45
Covington Credit 405 N McDonald St Suite C 75069 (972) 252-6888 4.1 31
OneMain Financial 3001 S Central Expy #308 75070 (972) 254-8147 3.3 24
McKinney Investment 143 S Central Expy 75070 (214) 454-2437 3.7 23
World Finance 405 N McDonald St Ste A 75069 (972) 254-9461 3.9 16
Cash Store 2050 W University Dr STE 130 75071 (972) 254-6355 5 12
Value Bad Credit Loans 5201 Collin McKinney Pkwy 75070 (972) 285-5612 4.9 8
Cash Store 1920 Eldorado Pkwy STE 500 75069 (214) 449-1679 3.7 6
Cash Store 1321 N Tennessee St STE 102 75069 (972) 254-8606 5 4
B3 Cash Solutions 500 N Custer Rd Suite 103 75071 (469) 928-2950 5 2
Republic Finance 1751 N US 75-Central Expy 1000 Ste 800 75070 (214) 459-0843 5 1
Check `n Go 1970 N US 75-Central Expy 1000 #124a 75070 (469) 974-8691 5 1
CashStand Payday 1502 W University Dr Ste 101 75069 (800) 094-9820 0 0
World Acceptance 405 N McDonald St 75069 (972) 254-2714 0 0

– companies ratings and reviews are based on their Google Business Profile. Updated May, 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?

If you have all documents ready, applying for payday loans with AdvanceSOS is super fast. Ensure you provide evidence of meeting the following requirements.

  • You’re of legal age
  • You’re a resident of Texas.
  • You haven’t currently overdrawn your checking account
  • You have a stable income source of at least $1,000 per month
  • You have a working phone number and a valid email.

By providing the above information, we can verify your eligibility and capacity to handle the repayment. If you fail to submit accurate data, we may be unable to contact you and process the transaction.

How Much Can You Borrow?

Payday loans in McKinney, TX online typically average at $800. The following amounts are what our clients request the most:

Approved amounts depend on your eligibility, income, and ability to repay. Previous debt can influence the lending decision, too.

When Will You Receive Your Funds?

Very fast! You’ll likely receive the money the same day. Depending on when you sign the loan agreement, lenders might deposit the funds into your account the next business day. We strive to process instant cash loans swiftly and reliably.

Hence, consider applying earlier in the morning to avoid banking cut-off times. Also, the 24-hour timeframe to get your quick cash may get delayed due to non-working days.

APR And Fee

Though restrictions on lenders in area code 469 are lenient, the interest they can charge caps at 10%. However, there’s no statutory limit on APRs, and as a result, these often reach 400%. For instance, if you borrow $1,000, your debt will amount to $1,254 in two weeks.

The maximum amount of late fees can’t exceed $7.50 or 5% of the loan amount, whichever is higher. There’s no cap on CAB and other financial charges. In the case of NSF, you’ll have to pay a fee of $30.

Regulations Surrounding Payday Loans In McKinney TX

The upper limit of a single payday loan in McKinney is not defined. Yet, most applicants seek no more than $1,000. One-time payday loans in Texas involve a repayment period of up to a month, while installment ones can last up to 180 days.

Texas law grants protection by banning lenders from dividing loans to collect higher interest fees. Still, the number of rollovers is indefinite, and there’s no specified cooling-off period.

Loan Alternatives

Short-term loans offer financial support when you can’t make it until your next paycheck. But, sometimes, other funding options can meet your needs better. Consider the alternatives below when strapped for cash.

Bad Credit Loans

Do you have bad credit of below 640 or no credit history at all? Though it can be challenging to get urgent cash, our advance payday loans provide a solution to anyone with bad credit. Present proof of regular income and your capacity to pay off the debt, and we’ll be able to assist you.

Title Loans

When a regular small loan can’t resolve your worries, having a clear car title can prove helpful. Once you request a loan, we’ll inspect the vehicle and offer you cash in return. Plus, you keep your car while making payments. After you repay in full, you’ll get your title back.

No Credit Check Loans

No credit check loans are ideal if your credit prevents you from getting a traditional loan. To help you out, AdvanceSOS approves loans without running hard credit checks. However, small loans involve soft checks and higher APRs and fees. We usually factor in criteria such as employment and account standing.

Payday Loans For Unemployed

Being out of work or in a job pursuit doesn’t mean you can’t borrow money. We approve short-term financing to applicants with other income sources than a full-time job. Eligible customers must submit proof of regular revenue. Meaning you can present retirement, unemployment, or disability benefits. Good credit also counts.

Legit Payday Loans

Online sources of cash advance are suitable when looking for a small sum up to $1,500. Besides being legit, payday loans in McKinney, TX, offer a quick and convenient cash boost for any emergency need. Still, short-term products may involve predatory APRs and charges. So, unless you’re in a financial dead-end, refrain from expansive borrowing practices.

Moreover, customers with bad credit may face stricter lending terms and higher rates. Hence, always repay in time and avoid rollovers.

Useful links:


    Ask an expert