If you’re planning to get a loan, it’s likely because you’re facing a financial emergency. At Texas Car Title and Payday Loan Services, Inc., we will help ensure you get the money as quickly as possible. To make the process go smoothly, you need to have all the required documents and meet the lender’s criteria.
Below, we will share everything you need to know about same-day payday loans, so you know exactly what to expect. Learn more about how to apply for a payday loan online below.
What Is A Payday Loan?
Before learning how to get a payday loan, it’s important to understand the basics of this emergency loan. A payday loan, also called a cash advance or payday advance, lets you borrow up to $1,200 from your upcoming paycheck.
As long as you can prove you have a job, you can get approved for emergency cash based on your income level. After borrowing money fast, you can pay off your financial emergency and repay the loan with your next paycheck.
Can You Get Instant Payday Loans?
Though it’s impossible to get extra cash the moment you step into the store, payday loans are among the fastest borrowing options. Instant payday loans aren’t available, as you need to get through the whole process before approval.
However, you might get the financial boost you need on the same day. Usually, that happens if the loan is processed before 12 PM. Even if you’re not an early riser, you can typically receive the money the next business day, which is still much faster than most other loan options.
What Are The Required Items For Payday Loans In Texas?
You would have to spend days gathering the documents required to take out a bank loan. If you decide to go for a cash advance, you will only need a few required items:
- A state-issued photo ID that displays your full name and age
- Your most recent pay stub to verify your income
- A blank check from your active checking account
Please note that to be eligible for a payday loan, you must have a checking account and be at least 18 years of age. You must also have a job that provides pay stubs. You may be able to get approved with nontraditional or freelance income, but you must call the store ahead of time to see what income they accept.
Can You Qualify For Payday Loans With Poor Credit?
If you decide to work with Texas Car Title and Payday Loan Services, Inc., you might get approved for a payday loan even with nonexistent or bad credit. We welcome all types of credit and believe that everyone should have access to emergency cash, regardless of their credit score.
The main factors that will be taken into consideration before we make a loan decision are your income and ability to repay. If you manage to prove that paying off the amount won’t be challenging for you, you can qualify with bad credit.
How Much Money Can You Borrow With Payday Loans?
With us, you can borrow up to $1,200 with payday loans.
The amount mostly depends on your earnings. Since payday loans are usually paid off when the client gets their paycheck, your salary is taken into account when determining the loan amount. In short, the more you earn, the larger the loan you might qualify for.
However, just because you get approved for a large amount doesn’t mean you should borrow that much. Only borrow what you need to afford your emergency. For example, if you need $500 to replace a broken window in your house, you should only borrow that amount to make repayment simpler.
Where Can You Get A Payday Loan In Texas?
While you will have to get approved for a payday advance in person, we allow borrowers easy access to our stores. Texas Car Title and Payday Loan Services, Inc. has over 100 locations across the state. In fact, the store closest to you might be just a 5-minute drive away from your house or office.
Here are some of the cities in Texas with store locations:
- Pasadena, TX
- Fort Worth, TX
- Houston, TX
- Paris, TX
- Irving, TX
- San Antonio, TX
- Liberty, TX
Check out our Texas store location page to find the store nearest to you. Whether you need a San Antonio, Fort Worth, or Houston payday loan, we likely have a location within 20 miles of you where you can get approved quickly.
What Is The Texas Payday Loan Approval Process?
As long as you have the required items we mentioned earlier, you should be able to complete the approval process on the same day you apply. You only need to complete a few simple steps that you can start at home. After applying online, you can visit one of our Texas stores and be approved in less than 30 minutes for same-day payday loans.
Here are the steps involved in the Texas payday loan approval process:
- Submit your basic information through our online form (name, zip code, email address, and phone number)
- Answer a phone call from a loan specialist to discuss payday advance terms
- Visit a Texas store with your required items to get verified
- If approved, you can sign the payday loan agreement to complete the process
- Receive your cash advance money later the same day or by the next business day
What Parts Of The Process Can Be Completed Online?
As you might have already figured out, the process cannot be fully completed online. However, some of the steps can indeed be taken care of from the comfort of your house. You can let the lender know that you’re interested in taking out a loan by filling out an inquiry form online. That would usually take only a few minutes.
If you have any questions about the loan, you can get them answered with the help of a convenient ‘online chat’ option. Of course, you can always call the lender directly or arrive at the store to speak to an expert, but if having a chat online would be a more suitable way of communicating for you, you can totally do that.
Finally, loan payments can be made through an online payment portal. You’d be given a special code to log into the portal, and from there, you would simply have to follow the instructions. You can easily pay off your loan with your next paycheck.
Get Approved For A Same-Day Payday Loan In Texas – Borrow Up To $1,200 Today!
Approval for a cash advance with Texas Car Title and Payday Loan Services, Inc. is simple. It only takes a few steps, and you can start from your home or office. After beginning the process online, you can get approved in person the same day. You can get approved regardless of your credit score, and you don’t have to worry about borrowing lowering your score.
Ready to begin the process? Fill out our online payday loan form with your basic information. We will then call you to explain the process and explain how you can get approved. Visit us in person at one of our conveniently located stores to get approved for a payday loan in Texas in less than 30 minutes!
FAQs About Payday Loans in Texas
1. Can I get approved for a payday loan with bad credit?
Yes. Payday loans are based on your income and ability to repay, not just your credit score. Many borrowers qualify even with poor or no credit.
2. How much can I borrow with a payday loan in Texas?
At Texas Car Title and Payday Loan Services, Inc., you may borrow up to $1,200 depending on your income level and ability to repay.
3. How fast can I get a payday loan in Texas?
You can often receive same-day cash if your loan is processed early in the day. In many cases, funds are available within 24 hours.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
