Payday Loans in Wichita Falls, TX
Like many Americans, you might be dealing with some financial trouble. These can be insurance bills, car repair costs, or any other unforeseen expenses. If this is your case, consider taking out a cash advance.
We help eligible Texans take out payday loans in Wichita Falls, TX. These are high-interest, short-term loans that you can apply for online. Taking out a 200 dollar loan or more could hold you over until your next paycheck arrives. Scroll down to learn about the application process, different loan types, and regulations.
Cash Advance and Payday Loan Companies Near Wichita Falls, TX (Lenders Locations)
|Company name||Address||Zip code||Phone number|
|ALL Cash Express||3624 Jacksboro Hwy, Ste 104||76302||(940) 766-4800|
|Advance America||1706 9th St.||76301||(940) 322-4971|
|Cash Store||1506 Southwest Pkwy||76302||(940) 766-0572|
|Check ‘N Go Store #6727||2314 Airport Dr, Ste 300||76306||(940) 851-0366|
|Check ‘N Go Store #6744||4214 Kemp Blvd||76308||(940) 689-0815|
|Mr. Payroll||1700 9th St, Ste C||76301||(940) 767-4123|
|Cashmax||3117 Kemp Blvd||76308||(940) 692-2274|
|TitleMax Title Loans||3400 Kemp Blvd||76308||(940) 692-0370|
|Sun Loan Company||2913 Bob Ave||76308||(940) 322-1771|
|TitleMax Title Loans||2823 Southwest Pkwy||76308||(940) 692-0625|
|Bail Maxx Bonding||820 7th St||76301||(940) 322-3278|
|ALL Cash Express||3624 Old Jacksboro Hwy||76302||(940) 263-0246|
|Advance America||2710 Central Freeway, Ste. 130||76306||(940) 855-4827|
|Auto Cash Money Center||2720 Old Iowa Park Rd||76306||(940) 723-7554|
|Cash Store||3900 Sheppard Access Rd||76306||(940) 855-3314|
|ALL Cash Express||3605 Kemp Blvd||76308||(940) 432-3180|
|Cash A Check||2410 Seymour Hwy||76301||(940) 322-2088|
|A-Z Bail Bonds||820 7th St||76301||(940) 322-8535|
|Gotcha Loans||3406 Kemp Blvd||76308||(940) 696-8217|
|American National Bank & Trust||825 Scott Ave||76301||(940) 723-0172|
|Chkco Services||2300 9th St, Ste B||76301||(940) 723-0884|
|Gold Star Finance Inc||927 Indiana Ave||76301||(940) 766-2116|
|Onemain Financial||4214 Kell Blvd, Ste 107||76309||(940) 696-1945|
|First Cash||4521 Kemp Blvd||76308||(940) 692-0183|
|American Thrift||715 10th St||76301||(940) 766-3392|
|First National Bank||3801 Fairway Blvd||76310||(940) 696-3000|
|First Community Bank||5131 Greenbriar Rd||76302||(940) 766-0559|
|First Convenience Bank||5131 Greenbriar RD||76302||(940) 766-0567|
|Western Finance Service||1800 Kemp Blvd||76309||(940) 723-9393|
|ALL Cash Express||3605 Kemp Blvd||76308||(940) 692-6264|
|Toledo Finance Corporation||3411 Kemp Blvd||76308||(940) 696-8868|
How to Apply for a Payday Loan Online in Wichita Falls
Our online loan application is a swift and straightforward process to go through. All you need to do is follow these steps, and you’ll be done within minutes!
- Visit our website and click the ‘Apply’ button to start the loan application.
- Fill in all the required details for the loan application.
- Wait until we present you with different offers.
- E-sign the loan agreement and accept the lender’s terms and conditions.
- Sit tight while the deposit goes through and the cash shows up in your balance.
What Will You Need?
While you’re applying for payday loans, you’ll notice that you need to meet several requirements. Moreover, you need to provide the lender with a few personal documents. To make the process easier for you, we listed all the necessary information you need to present.
- A government-issued ID, proving you’re of legal age.
- To be a resident of Wichita Falls.
- An active checking account.
- Proof of a stable income source, like a pay stub from your employer. Note that the income must be at least $1,000.
- Your Social Security Number
- A Phone number and email address
How Much Can You Borrow?
Texas law doesn’t specify a maximum limit on advance payday loans. Meaning, Wichita Falls residents shouldn’t have a problem taking out a 500 dollar loan or larger. On average, Texans take out around $800. As for our customers, they usually borrow a cash advance from the following range:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
When Will You Receive Your Funds?
Our lender service only works with reliable creditors that make sure to get you your money in a timely fashion. So, once you’re approved, you should have the cash advance the same day. If you apply on a non-working day, however, this won’t be the case. Instead, we’ll send the transaction through the following business day.
APR and Fee
Residents in area code 940 don’t have a set annual percentage rate. So, it can easily go over 400%. As for the extra fees, they differ depending on the loan amount. See the list below for more information.
- Loans below $30 charge $1 for each $5
- Small loans between $30 and $100 have a 1/10 fee. If the loan is under $30, then there’s a $3 monthly fee.
- Short-term loans that range between $35 and $70 cost $3.50 a month. Additionally, loans that exceed $70 charge an extra $4 a month.
- Loans larger than $100 charge an extra $10. There’s also a $4 monthly fee for every 100 dollar loan.
Regulations Surrounding Payday Loans in Texas
State authorities have a set of strict guidelines regarding payday loans online in Texas. They must be followed to ensure the protection of all parties involved. Payday loans in Wichita Falls, TX, can come in two different terms.
Single payday loans need to be repaid between 14 and 31 days. Installment loans, however, can be paid off within six months. We also must note that there isn’t a limit on how much money customers can borrow.
Moreover, Texas law doesn’t specify a limit on rollovers. The government also doesn’t say anything about a cooling-off period. So, customers don’t need to wait at all before taking out another loan and can request rollovers. This means that some applicants may ruin their credit score.
We offer several different kinds of payday loans in Wichita Falls, TX. Check out this list below of the top five advance payday loans on the menu for our customers.
Bad Credit Loans
Even if you have a bad credit score, you could still be eligible for small loans. AdvanceSOS helps customers get in touch with lenders that offer bad credit loans. These lenders usually only perform a soft check, so your credit score won’t be additionally harmed.
Title loans might be the thing for you if you need a larger loan. These short-term loans work by customers signing over their vehicle’s title to the lender. Yet, during the loan term, the applicant can still use the car. Once they pay it off, the borrower gets full ownership again.
No Credit Check Loans
If you have no credit or a bad credit score, you might have trouble getting quick cash. However, some of our lenders provide loans without running a hard credit check. To be eligible for these instant cash loans, you need to provide proof of employment and income, like a recent bank statement.
Payday Loans for Unemployed
Those who are in-between jobs can also apply for small loans. There are plenty of lenders that consider other revenue sources and offer unemployment loans. So, if you receive government benefits, retirement, or pension, you could be eligible for financial help. Having a good credit ranking is also a plus.
Legit Payday Loans
Payday loans in Wichita Falls, TX, are completely legal. So, if you are in an urgent situation and need a larger sum of money, consider applying with us. The loan amounts range from as little as $50 to $1,000 and more. We also offer small loans to applicants that have bad credit.
ATM Locations in Wichita Falls, TX
|Union Square ATM||3906 Call Field Rd, Wichita Falls, TX 76308|
|Cardtronics ATM||1200 Loop 11, Wichita Falls, TX 76306|
|Wells Fargo ATM||3410 Taft Blvd, Wichita Falls, TX 76308|
|ATM Stripes||4018 Burkburnett Rd, Wichita Falls, TX 76306|
|Cardtronics ATM||2601 Kemp Blvd # 2, Wichita Falls, TX 76309|
|Wells Fargo ATM||726 Scott Ave, Wichita Falls, TX 76301|
|Cardtronics ATM||2400 Brook Ave, Wichita Falls, TX 76301|
|Cardtronics||1701 9th St, Wichita Falls, TX 76301|
|Chase ATM||500 E Scott St, Wichita Falls, TX 76308|
|Wichita Falls Federal Credit Union ATM||2100 5th St, Wichita Falls, TX 76301|
|Wichita Falls Bancshares Inc||3801 Fairway Blvd, Wichita Falls, TX 76310|
|FSNB ATM||3512 Kemp Blvd, Wichita Falls, TX 76308|
|ATM||1000 Holliday St, Wichita Falls, TX 76301|
|ATM American National Bk||4105 Maplewood Ave, Wichita Falls, TX 76308|
|ATM||3601 Call Field Rd, Wichita Falls, TX 76308|
|ATM||4701 Southwest Pkwy, Wichita Falls, TX 76310|
|ATM (Chase Bank)||Wichita Falls, TX 76308|
|Cardtronics ATM||2800 Southwest Pkwy, Wichita Falls, TX 76308|
|Wells Fargo ATM||4516 Old Jacksboro Hwy, Wichita Falls, TX 76302|
|ATM (Shop & Go Food Store)||1408 E Scott Ave, Wichita Falls, TX 76301|
|ATM||4510 Rhea Rd, Wichita Falls, TX 76308|
|ATM||2200 Southwest Pkwy, Wichita Falls, TX 76308|
|ATM (Wells Fargo Bank)||2301 Kell E Blvd, Wichita Falls, TX 76308|
|ATM||3602 Sheppard Access Rd, Wichita Falls, TX 76306|
|ATM||4300 Kell W Blvd, Wichita Falls, TX 76309|
|Chase ATM||4245 Kemp Blvd, Wichita Falls, TX 76308|
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.