Payday Loan Faqs

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Payday Loan FAQs

A payday loan is a short term loan that helps bridge the cash flow gap between paydays. In Texas the amount is usually between $100 and $1,200. A payday loan is designed as a short-term cash advance and not designed to address long-term financial problems.

Please look at your loan documents for all terms and fees. A store representative will go through all terms and fees with you before you sign the loan documents.

All you need to be approved for a payday loan is:

An active checking account
Most current pay stub
Be 18 year of age or older
A photo ID
A blank check

In Texas you can apply for anything between $100 and $1,200. The amount you are approved for will be determined at the time you visit a Texas Car Title & Payday Loan Services, Inc. location. It is based on lender underwriting, your income and ability to repay.

After your payday loan is approved at the location of your choice, you immediately receive the loan amount.

Yes! Your credit history doesn't matter. Discharged bankruptcy, charge offs, bounced checks, and other credit issues don't affect your ability to get a payday loan.

As little as 30 minutes or less! You can get the cash you need on the same day when you visit any of our convenient Texas Car Title & Payday Loan Services, Inc. locations throughout Texas.

Please click on the Consumer Disclosure tab on the menu to get complete details. Note that payday loans are designed for your emergency cash needs and are frequently less expensive than check fees, late charges and other costs you might incur due to late payments.

Loan terms and frequency may vary. Please check with your loan representative at the Texas Car Title & Payday Loan Services, Inc. location for all the details.

Texas Car Title and Payday Loan Services, Inc. DOES NOT report to credit agencies if you default.

Loan terms vary. Typically, your payday loan will be due on your next payday. Check your loan agreement for exact terms and conditions.

The loan representatives at Texas Car Title & Payday Loan Services, Inc. are trained to work with you to establish payment arrangements in accordance with state regulations should an unexpected emergency arise which prevents you from making your full payment.

In Texas you can re-apply to get another payday loan immediately after you have paid off your existing payday loan. Some cities like Dallas and Austin require a waiting period before you can re-apply for another payday loan. Check with the loan representative in your area for complete details.

Yes, in Texas, you can refinance your payday loan. Check with the loan representative in your area for complete details.

Texas Car Title & Payday Loan Services, Inc. loan representatives are highly trained in working with you on payment arrangements in accordance with state regulations to allow you to fulfill your payday loan obligations.

From the time you enter one our Texas Car Title and Payday Loan Services, Inc. locations, it could take as little as 30 minutes to be approved for a payday loan.