How to apply for Texas Payday Loans

When you are in need of quick money it feels really bad and you will naturally be looking for instant cash loan to help you cover urgent expenses. Online Payday Loans in Texas come as the most convenient and easy type of financing with guaranteed approval. You are likely to get a payday loan from Texas lending companies today even with bad credit!

123 Money Loans in Texas

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All you need to know about Payday loans in Texas (TX)

Let’s study the payday loan definition and meaning. Though the definitions are numerous and varied, the common meaning comes to a small $100 – $15 000 short term cash advance loan till the next paycheck. Texas as all the other US states, has certain laws regulating payday lending. According to these rules, Texas lenders can offer their products and services online or in-store at their locations. In order to obtain a fast Payday Loan in Texas, you need to know a few facts. Read further to find them out.

Texas Payday Loan benefits with 123 Money Loans

The popularity of payday loans among Texas residents is constantly growing nowadays. They remain the most convenient cash loan solution for emergency needs. The most important advantage of short-term loans in Texas is their high availability for any resident of the state. The other benefits include:

  • A simple 24/7 online application
  • Fast approval within a few minutes
  • No hard credit check is required
  • No faxing, no paperwork, no waiting in lines
  • Bad credit or no credit are not a problem
  • No collateral is required
  • Quick same day financing
  • No hidden fees

If you are still in doubts, don’t even hesitate – start your online Payday Loan application now and get your money today!

Texas short-term lending laws and regulations

Applying for Payday Loans in Texas, you should check your rates at first and find out if you qualify for the necessary amount:
It’s recommended to use a free Online Payday Loan Calculator to find out the loan cost with the APR, interest rates, finance charges, and other fees. The average Annual Percentage Rate (APR) in Texas is about 360%. So, if you borrow a $100 loan, you should expect to be charged $111.85 total loan cost. Maximum terms of Texas Payday Loans is 180 day(s). Sometimes, you can find a 3-month Payday Loan if you consider longer terms more convenient.

MIN Loan Amount $100
MAX Loan Amount $15000
MIN. Loan Term N/A
MAX. Loan Term 180 day(s)
MAX APR 410.00%

Consumer Protection in Texas

Regulator: Texas Office of Consumer Credit Commissioner
Address: Finance Commission Building, 2601 N Lamar Blvd, Austin, TX 78705
Regulator’s Website:

Which Texas residents qualify for online Payday Loans

In Texas, it’s rather easy to qualify for a Payday Loan. You just need to meet the lender’s requirements:
• Be at least 18 years old or over.
• Be a legal resident of Texas.
• Provide a proof of a stable monthly income of at least $1,000.
• A valid phone number and email.
• No bankruptcy or military service.

Do you meet all these eligibility criteria? Then you’ll have no problems in getting fast Payday Loan in Texas even with bad credit.