What Do I Need to Know About Texas Payday Loans?
April 2, 2021 | Peyton Sawyer
Learn More About Texas Payday Loans
If you’ve been hit by an emergency or your paycheck has taken a hit this month, or you’ve got some overdue bills and need to get cash together ASAP, you might want to look into applying for a Texas payday loan.
Or maybe you’ve already looked into it and decided that Texas payday loans are just what you need. That’s valid. After all, if you’re pressed for cash, payday loans are one of the easiest and fastest ways to get some. Read more below to learn the payday loan requirements in Texas and what you need to get a payday loan.
You Need to Be A Legal Adult to Apply
Are you over 18 years old? Do you have a valid government-issued ID to prove it? Great, you’re highly likely to be eligible for Texas payday loans.
If not – you’re out of luck.
Texas payday loans aren’t available to those, who are 1) underage; 2) can’t prove they’re of legal age.
You might be over 18, but if you don’t have a document to prove it, you won’t be able to apply. So, before you apply, make sure you’ve got a valid state-issued ID or driver’s license.
Your Credit Score Won’t Influence Your Eligibility
One big advantage Texas payday loans have over more traditional personal loans is accessibility. Almost anyone can get a payday loan due to the short and simple required items list – you’re of legal age and have some sort of income? You’re likely eligible, even if your credit score is bad (or outright nonexistent!).
While you might need to go through a short credit history check, it’s not likely to influence your chances of getting approved for the loan. As long as you’re able to provide the lender with the required items and prove you’re able to pay the loan off – you’re good.
Your Credit Score Won't Be Influenced by the Loan
Those with a poor credit score are often wary of applying for a payday loan because they think it might negatively influence their credit history.
This isn’t so.
The loan stays between you and the lender – it won’t get reported to any credit bureaus – so it won’t have any influence on your credit history.
On the upside, this means you don’t have to worry about any negative influences over your credit history.
On the downside, it won’t have any positive impact either. So, if you were looking into Texas payday loans on the off chance that getting one would help you improve your credit score, unfortunately, you’ll need to find some other way.
Different Kinds of Income Works
As mentioned above, unlike more traditional financial institutions, Texas Car Title and Payday Loan Services will accommodate different types of income.
As long as you can provide proof that you’ve got some sort of income (your most recent pay stub will do), you’re likely eligible for the payday loan.
What’s more, the loan representative will do their best to set you up with a comfortable payoff schedule (do ask them for more details!).
No Bureaucratic Hoops to Jump Through!
Getting Texas payday loans is easy – especially compared to bank or other traditional personal loans.
You can start the application process by either submitting an online form on the website or just calling the nearest Texas Car Title and Payday Loan Services store location, to get in touch with a loan representative who’ll provide further instructions.
After you’re approved for the loan, you’ll just need to sign some forms – and voila! You’re done. No need to send multiple records or rifles through a complicated loan process. Everything’s simple and straightforward, and if you have trouble understanding anything – you can always ask the loan representative to provide additional information.
It’ll Just Take a Day
Payday loans are a popular solution to financial emergencies due to the short simple application process and the swiftness at which you can get the cash.
The entire application procedure lasts on average under an hour (it can be done in as little as 30 minutes), and – if approved – you’ll get the cash the same day.
How Do I Apply for Texas Payday Loans?
- Get the required items (state-issued ID, your most recent pay stub, a blank check from an active checking account in your name);
- Fill out and submit the online form on the website;
- Answer when the loan representative gets in touch – they will double-check if you have the required items, provide further instructions, and schedule a meeting with you;
- Take the required items to the meeting the loan representative sets up. We have stores all over the state, including Texas City, Pearland, Marshall, and more;
- Have the loan representative assess your documents to determine if you qualify for the schedule;
- Get approved, complete the easy paperwork, and get the cash you need!
And that is how to apply and what you need to get Texas Payday Loans. Know that you know all you need to know to get a fast cash payday loan in Texas, get yours today!