Direct Payday Loan Lenders In Texas

ACE Cash Express
Texas Payday LoansACE Cash Express is not a direct lender in Texas and operates as a Credit Access Business (CAB). Loans are arranged by ACE Credit Access LLC and made by an unaffiliated third party lender.

Max Loan Online :- $200 – $1,500*
Max Loan In-Store :- $100 – $1,500*
Example APR :- 661.71%* (Calculated based on $1000 loan with 14 day term.) The actual APR varies on the loan term and amount.
Loan Term :- Minimum 9 Days to maximum 35 days.

 

 

CashNetUSA
Direct Lenders Payday Loans in TexasCashNetUSA operates as a Credit Access Business (CAB) in Texas and will not be a direct lender, licensed and examined by the Office of Consumer Credit Commissioner. Loans are made by a third party lender and will be serviced by CashNetUSA once it is issued.

Max Loan Online :- $1800*
Example APR :- 664.25%* (Calculated on $500 loan with 14 day term) The actual APR may vary based on loan duration and amount.
Loan Term :- 8 to 35 days.

 

 

Check Into Cash
 Online Payday Loans in TexasCheck Into Cash operates as a Licensed Credit Access Business (CAB) in Texas, licensed by the Office of Consumer Credit Commissioner. Loans are made by a unaffiliated third-party lender.

Max Loan Online :- $1500*
Max Loan In-Store :- $1000*
Example APR :- 664.25%* (Calculation based on $500 loan with 14-day term) APR may vary based on loan duration and amount.
Loan Term :- 14 days

10 Store locations in Texas.

 

 

Cash Central
payday loans in TXCash Central operates as a Credit Access Business (CAB), licensed and registered by the State of Texas – Office of Consumer Credit Commissioner. Loans in Texas are provided by a third party lender.

Max Loan Online :- $2000*
Example APR :- 740.00%* (Calculation based on $2000 loans with 14-day term) APR varies based on loan amount and duration.
Loan Term :- 7 to 35 days.

 

 

Check n Go
Payday advance in TexasCheck n Go operates as a Credit Access Business (CAB) in Texas and not a direct lender. Loans are made by an unaffiliated third party lender.

Max Loan Online :- $100 to $1500*
Max Loan In-Store :- $100 to $1500*
APR :- 661.80%* (Calculated on $750 loan with 14 day term) APR varies based on loan amount and duration.
Loan Term :- Minimum 10 Days to maximum 40 days.

Check n Go operates more than 100 Store locations in Texas.

 

 

LendUp
Online payday advance in Texas.LendUp operates as a Credit Access Business (CAB), licensed by the Texas Office of Consumer Credit Commissioner. Loans will be made by a third party lender and LendUp will service the loan once issued.

Max Loan Online :- $500*
Example APR :- 664.14%* (Calculated on $500 loan with 14 day term) APR varies based on loan term and amount.
Loan Term :- 14 days.

 


Payday Loans In Texas

Texas Payday loans are a good way to get money in case there is an emergency. Whether you are short on cash to finance something like a hospital bill or a wedding event, you can get this quick loan to come over your financial inconvenience.

No matter what you need fast cash for, a payday loan will help you in covering your finances and pay for whatever it is. Usually, you will receive the funds within 24 working hours, which makes this facility helpful. But, it is important to keep in mind that you will be required to pay your lender back in a span of few weeks.

Make sure that before you apply for a payday loan, you are confident that you will be able to pay back the lender or it might cause unpleasant situations for you in the future. If you have a steady job or a financial backup which might pitch in to help you out when you have to pay back, it is safe to borrow a payday loan.

How much amount can Texas payday loans offer?

As per the Texas OCCC (Office of Consumer Credit Commissioner) website, which regulates financial services in the state. Texas payday loans do not have any specified limit on the amount you can borrow at storefronts or online. However, due to the nature of this loan, which could just be used for short term, Credit access businesses (CAB) may set up their policy to cap the maximum amount they can offer.

Usually, Payday loans range between $100 to $1000, but in the case of Texas, this amount may range up to $2000 depending on the provider’s internal policies. But, in most cases, you may not be offered more than 20% to 30% of your gross monthly income.

What is a Credit Services Organization/Credit Access Business in Texas?

Credit Services Organizations (CSO): – CSOs have been functional since 2005 and registered with the secretary of state for conducting business in Texas. Under section 393 of the finance code, CSOs are authorized to assist consumers in improving their credit history or rating in exchange for a fee, and in obtaining an extension of credit through a third-party lender. CSOs acts as a broker to arrange a loan from an individual 3rd party lender for a fee.

Credit Access Business (CAB): – CAB is the new version of CSO, effective January 1, 2012, businesses registered as Credit Services Organizations (CSO) under secretary of state, were transitioned by the Texas OCCC (Office of Consumer Credit Commissioner) as Credit Access Business.

The new laws and regulations which kicked in, need CABs to acquire a license to operate in the payday loan space. However the business model continues to be the same, they will act as intermediates/broker between the borrower and a third party lender. The CAB will service the loan from the day it was obtained until the time it was paid back and will charge a fee for their assistance.

Eligibility requirements for payday loans in Texas.

  • Active bank account open for 30 days or more.
  • A verifiable steady source of income from an existing job or other sources.
  • At least 18 years of age or above.
  • A valid social security number, email address, and a contactable telephone number.
  • If employed, minimum $1000 net income per month, on social security or retired minimum $800 per month.

Example Fees Chart for Texas Payday Loans.

Loan AmountLender Interest (10% per annum)CAB FeeTotal Amount DueAPR (14 days) Loan Term
$200$0.76$50$250.76661.69%
$300$1.14$75$376.14661.69%
$500$1.90$125$626.90661.69%
$1000$3.81$250$1,253.81661.71%
$1500$5.72$375$1,880.72661.72%

Directlenderslist.com is a one-stop online platform, developed to connect loan seekers to Direct Licensed Lenders, Tribal Lenders, Trusted Peer to Peer Lending Companies, Licensed Credit Access Businesses, Registered Credit Services Organizations and Lender Connecting Services. We have added State Licensed Lenders, Tribal Lenders, Peer to Peer Lending Companies, CAB's, CSO's, Lender connection services and have listed them on our website. You can use the platform according to your requirement and the offer of your choice.

We do not ask or collect any sensitive personal information or charge any fees for using our service. This site contains links to connect borrowers to the lender's website, to apply for a loan. We are compensated by our partners, in the form of commission if you get approved for a loan.

Directlenderslist.com itself, is not a loan provider. You are requested to refer lenders website for complete and up to date information before applying for a financing.

Payday Loans, Installment Loans, Title Loans are an expensive form of credit. Other alternative forms of credit may be less costly and more suitable for your financial requirements. Before borrowing, please consider whether you will be able to repay the amount you borrow along with interest and any other charges disclosed to you in your loan agreement with the lender. Customers with continued credit troubles should seek credit counseling.

Direct State Licensed Lenders, Tribal Lenders, Peer to Peer Companies, CAB's, CSO's and Lender Connecting Services mentioned on the site do not endorse or guarantee, and will not be accountable for the content on the website.

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