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

Payday loans in Wichita Falls TX

Fast Payday Loan Lenders near Wichita Falls, 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 Wichita Falls, TX.

Quick Online Payday Loans in Wichita Falls, Texas, USA Faxless


Payday Loans Companies in Wichita Falls, TX

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

Company Address ZIP code Phone Number Ranting Reviews
Advance America 2710 Central E Fwy #130 76306 (940) 085-4827 4.9 346
Check `n Go 4214 Kemp Blvd 76308 (940) 068-0815 4.9 185
Texas Car Title & Payday Loan Services, Inc. 3608 Kell W Blvd 76309 (940) 069-0758 4.9 138
Check `n Go 719 Scott Ave #106 76301 (940) 085-0366 5 118
Shamrock Finance 4708 K Mart Dr # H 76308 (940) 076-3112 4.8 101
Western Finance 1800 Kemp Blvd 76309 (940) 072-9393 4.9 95
Sun Loan Company 2913 Bob Ave 76308 (940) 032-1771 4.9 71
ACE Cash Express 3605 Kemp Blvd 76308 (940) 069-6264 4.6 34
ACE Cash Express 3624 Old Jacksboro Hwy #104 76302 (940) 076-4800 4.9 22
CashMax Title & Loan 3117 Kemp Blvd 76308 (940) 069-2274 4.6 19
Cash Store 3900 Sheppard Access Rd 76306 (940) 085-3314 3.7 7
Cash Store 1506 Southwest Pkwy 76302 (940) 076-0572 2.7 6
Auto Cash Money Center 2720 Old Iowa Park Rd 76306 (940) 072-7554 4.8 6
Regional Finance 2708 Southwest Pkwy Suite 114 76308 (940) 028-6171 3.5 6
Toledo Finance 3411 Kemp Blvd A 76308 (940) 069-8868 5 4
Service Loan Co 2910 Kemp Blvd #110 76308 (940) 072-2972 3.7 3
Texan Credit Corporation 2708 Southwest Pkwy Ste 124 76308 (940) 069-0600 3 2
Direct Payday Loans 1722 9th St #3456 76301 (940) 046-4175 0 0
Gotcha Loans 3406 Kemp Blvd 76308 (940) 068-8273 0 0
Cash & Go 5376 Kell W Blvd 76310 (940) 069-3007 0 0

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

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:

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.

Loan Alternatives

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.

Same-Day Payday Loans

The same-day deposit payday loan can be the perfect solution when you need cash fast. These loans are available from many lenders and can be used for various purposes. So whether you need to cover an unexpected expense or want to get your hands on some extra cash, a same-day deposit payday loan can help you get the funds you need.

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

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.

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