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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


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 June, 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?

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.

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