Need cash now? We all know what it’s like to get caught short on cash between paychecks. Payday loans in Houston are one way to make ends meet in emergency situations. While we don’t have an actual brick and mortar store in Texas, we do market to areas we think we can be of greatest assistance. There are circumstances that simply can’t wait until your next paycheck – and you can apply now for an instant decision.
Payday Loans In Houston
The online cash loan is an option with several advantages:
- Get the money you need – lightening fast
- Bad credit okay
- No faxing
- Instant decision
- Application takes three minutes
- Direct deposit into your bank account
- Safe, easy and secure
- Use the money however you wish
- Borrow up to $1,000
- No collateral
- Your personal information is confidential
Fast Cash When You Need It Most
Dental emergencies, an injured child, a car that needs work … these are all emergency situations that must be dealt with immediately. You might not want to ask friends or family to help you out, and they may be short on cash themselves. Bank loans take too long to process. With online cash loans, you can get the money you need, take care of the problem, and get on with life.
Cash Loans Online – Safe And Secure
With cash loans online, you can relax knowing that you’re dealing with legitimate, reliable, professional and trustworthy service providers. The online application process is safe and secure, and your personal information is confidential.
Bad Credit Cash Loans In Houston
Our lenders will not refuse you a payday loan just because you have poor credit or no credit. Every loan application is considered on its own merit. Not everyone can maintain an excellent credit score at all times. Payday loans in Houston TX have more to do with your income than your credit score.
It’s Easy To Qualify For A Houston Payday Loan
Do you have Internet access, an income and a savings or checking account? If so, you are qualified to apply for a Houston payday loan.
Quick And Easy Cash Advance Application Process
Applying for your Houston cash advance takes under three minutes. Complete and submit our short online application form and get a cash advance decision instantly.
No Fax Machine? No Problem
No faxing is necessary with payday loans in Houston TX. Simply enter your personal information on our secure online application form, and we’ll transmit that information directly to your lender.
Borrow Up To $1,000 With Payday Loans In Houston
With an online cash loan, you can borrow any amount between $100 and $1,000 and use the cash however you wish. Borrowers typically pay a cash advance fee between $15 and $30 for every hundred dollars borrowed.
Situated in Southeast Texas, Houston is the largest city in Texas and the fourth largest city in the U.S. Originally a swampland, Houston is now a center for the visual and performing arts. With a world-class symphony, ballet, opera, theater and plenty of museums, Houston was made for art lovers. The city also has an impressive tunnel system that resembles a mall and spans six miles. The tunnels are accessible from inside the downtown office buildings, and they’re loaded with restaurants, retailers, specialty shops and movie theaters.
|Short Term Personal Loan||$15 fee|
|Bounced Check||$32 fee|
|Late Credit Card Payment||$37 fee|
|Late Utility Bill||$46 fee|
*Based on $100 loan or $100 balance on existing accounts. This shows average fees – your rate may differ.
APR: The equivalent annualized percentage rate for payday loans and other short-term installment loans ranges from 547.5% to 999.45%, based on the amount and the length of the loan. Larger loans with longer payback periods have lower interest rates. While this sounds large, one must consider that these loans are only meant to be for a very small time-frame, usually 2 weeks. Annualizing other fees in the same manner results in APR of 2336% for a returned check fee of $32 against a $100 check, a 965% fee against a $37 credit card late fee or over the limit fee, or a 1203% APR for a typical $46 reconnect fee by a utility company.
Financial Implications: Short term payday loans are meant to be just that: Short term. Typical fees range from $15 to $40 for every $100 borrowed up to $500.00. Fees per $100 begin dropping on loans larger than $500.00. Fees are typically less than what borrowers can expect to pay for bouncing a check, having a utility disconnected, or paying a credit card bill late.
Collection Practices: Collection practices will vary from State to State and Lender to Lender. Some common methods if a loan becomes delinquent include, attempts at collections internally, primarily through telephone, an attempt to work out a pay-off arrangement that takes into strong consideration the financial condition of the borrower, and other internal attempts. Often, after all attempts at internal collections have failed, the lending agency may send the loan to a third party collection agency in an attempt to recover the funds lent in good faith, or may take other action within their legal rights. Check with your lender and your State regulations to be informed of the collection practices used by your lender.
Credit Score Impacts: Short term, payday loan lenders may rely on your credit report and are not limited to any of the three (3) major rating agencies – Equifax, Experian, or Transunion. Generally, the borrower doesn’t have to bear concern that their score may be affected by having the loan request determined by results from these agencies, however, such determination is solely in the discretion of the payday loan lender(s), which may result in the lender(s) submitting, among other things, the borrower’s request for the loan, or the subsequent payment(s) under the loan to any of these agencies. Short term lenders may also rely on their own scoring criteria, which is generally based on income and ability to repay, as well as the borrower’s payment history of any previous payday loans that have been made with the lender in question, or with other payday lenders.