Payday Loans in Temple, TX
What would I do if I had some time off, but I was broke? Well, I can think of several options. Stay home and do nothing about it; Boring! Find something to do that’s free; it’s an option, but I’ve done all that before. Borrow money from a friend; sometimes this is possible, but there are many obvious downsides. Take a Short Term Payday Loan; Why not? Applying for payday loans was never easier. It’s very easy to do, and you don’t have to go to an office or store to do it. You can leave your warm fuzzy slippers on and do it from the comfort of your own home – by Internet!
How it works is easy!
Simply fill out an online form with some basic information, and a service provider will get back to you, usually within a couple of hours.
- 18 or older and have Identification: A valid Driver’s License, State ID Card, Military ID, Passport, or Passport Card.
- An active bank account that has existed for at least three months.
- Be employed for the past 3 months, or that you have a steady income of some sort.
- Earn a minimum of $1000 per month.
- Have a working phone number and a valid residential address.
- There is a wide range of different types of loans, one that suits every set of circumstances.
The money is due the following payday. These include Quick Cash loans on unemployment & disability payments which are treated the same as a paycheck. If lenders need to consider your credit history, they do a ‘Soft Pull’ on it, which has no impact on your credit score. Loan providers don’t do this in every case; they’re more concerned about your ability to pay than anything else. If you’ve applied during the first half of the day, you’ll likely get your approval later that same day. In many cases, you’ll get the funds too. If you apply later in the day or during off-hours, then payment will obviously be the next day. Typically the money will be automatically deposited into your bank account. Other arrangements might be made as well in some situations.
- $100 Payday Loans
- $200 Payday Loans
- $300 Payday Loans
- $400 Payday Loans
- $500 Payday Loans
- $1000 Payday Loans
2) Personal Loans
The money is due according to the terms and amounts agreed to. You tell the lender how much you need, and he’ll tell you what he can do for you. You’ll agree on an amount, schedule of payments and how much they’ll be, and other terms of the agreement such as late fees. The loan is unsecured, so you don’t have to put up your car or house as collateral.
3) Installment loans
The money is paid back in installments over a longer period of time. The time period can be for any amount of time up to around 30 years, although traditionally, only a bank will commit to something that long-term. Unlike a personal loan, the amount and number of payments are set, unlike a personal loan which could have variable payments, in theory. The loan may or may not be secured by collateral. If secured by collateral, then you can expect the interest rate to be lower.
Your title to a car, truck, motorcycle, or boat can be put up to secure a loan. Typically these types of loans have lower interest rates because the money has been secured by collateral. They are also usually shorter-term than an installment loan or a personal loan.
5) No Credit Check Loan
None of the big three credit companies are involved. If anything, only a Soft-Pull might be done in some cases, but it’s not a requirement. Generally, these loans are short-term and may or may not involve putting up collateral. If the collateral is put up, then you can expect the interest rate to be lower.
It is a pre-approved open-ended line of credit up to a maximum amount. No Collateral; take as much as you want (up to the limit) when you want 24/7. It involves no collateral and works somewhat the way a standard credit card does as far as repayment goes.
7)One-hour Payday Loans
For time-critical situations. These loans are generally the same as standard payday loans, but approval is done in a hurry. Perhaps you have a good history with the lender, and your details are known and don’t need to be done again.
8)2nd Chance Loans
When you have a problematic past with subprime lending and need a 2nd chance, you probably won’t qualify for this type of loan if you outright defaulted on a subprime loan in the past. However, if you had problems with late payments or had to make partial payments, some lenders will give you another chance.
Legit Payday Loans
Stay away from loan sharks and other disreputable people. Our Lenders work within the law in Texas.
They run a “soft pull” credit check – your credit score isn’t affected. It gives some idea of how you handle credit and what amount of cash you can be trusted with.
Lenders clearly explain their terms and conditions and don’t try to fool you with terms hidden in the small print. Full disclosure in a loan is required by law.
They verify your ability to repay the loan by checking that you have an income from a job or other source. This is not a legal requirement, though, so your statement that you can afford the loan is sometimes enough.
They will never ask you for an upfront payment before showing you the best online payday loans they have to offer. None of the direct lenders we work with does this, nor do we charge you a service fee.
APR and Fee
AdvanceSOS.com charges nothing for using our services. Our network members pay us a fee for connecting them to you, and you pay nothing. Fill out our easy-to-use form, and we will connect you to our network of trustworthy lenders for free. The lenders will set the APR and the fee. Our Network of Payday Lenders all follows the regulations by the State of Texas.
Amanda is a senior writer at AdvanceSOS. She has more than six years of journalism experience, mostly in the finance sector. She graduated with a Bachelor’s Degree from Drew University.