The database below lists direct lenders that provide online payday loans and direct installment loans to consumers in Texas. **As of June 2016**
MyPaydayLoan: An established lender that’s currently funding online payday loans in Texas. They promise a quick online application process and can usually get you cash in hand in less than 24 hours. MyPaydayLoan is generally seen as one of the best lenders to work with if you have bad credit or no credit at all. You must have an active checking account from a traditional bank(no pre-paid accounts or savings accounts) to be approved. Also, you won’t qualify for a loan if you’ve defaulted on a payday loan in the past year. **Update: You no longer need to fax in a bank statement for online payday loans under $400.**
Payday Direct USA: Payday Direct is an online company offering cash advance loans and online installment loans to Texas residents. At this time they’re offering Texas payday loans online of up to $1000 depending on your qualifications. You must be currently employed, have an active checking account and make at least $1200 to qualify for a payday loan with them. Also offering online installment loans of $1,000+ to qualified Texas residents.
CashNetUSA: They have been around for decades and claim to have over 1 million satisfied customers. At this time CashNet is offering next day online payday loans of up to $700 if you live in Texas. They’re generally seen as being easy to work with if you have bad credit or past payday loan issues. CashNetUSA has extended their 25% off loan fees promo through the end of July, just use promo code “NEWCASH25”.
Cash Central Loans: Cash Central is a large direct payday lender that funds 24/7 online payday loans to Texas residents. They have an easy 3-step approval process and you can expect a real-time decision regarding loan approval in less than 5 minutes. Cash Central is currently offering payday loans of up to $2,000 and you can typically pay off your loan in anywhere from 7 to 35 days. Use Discount Code “CJ6620” for 25% off all loan fees when you apply for a payday loan through July!
LendUp: Lendup is a new online lender that just started offering online payday loans in Texas as late 2015. They have lower rates when compared to traditional direct payday lenders and also promise you’ll have an opportunity to rebuild your credit by making on-time payments. At this time LendUp is offering direct cash advance loans to Texas residents of up to $1,000. They also offer a 15 minute deposit option where you can get your loan in as few as 15 minutes assuming your bank is setup for this.
Check Into Cash: You may be familiar with Check Into Cash. They have many retail locations in Texas(mostly in San Antonio, Dallas & Houston) and they’ve been offering online payday loans in Texas for over a decade. They offer cash advance loans online and have a fully automated 24/7 application process. Check Into Cash is a founding member of Community Financial Services Association.
CashAdvance.com: A new lender that’s offering direct installment loans and online payday loans to Texas residents. They are offering online payday loans in Texas of up to $1,000 for new customers and also offer installment loans for returning customers. They’re great to work with if you have bad credit as you can usually get a low dollar online cash advance with them. Lastly they have a quick online application process and promise next day cash in hand loans for qualified applicants.
PaydayLoanToday: Longtime direct payday lender that’s currently providing Texas payday loans online of up to $500. They claim to have lower interest rates when compared to other companies that offer payday loans in Texas & they offer a quick approval process with their online application system. Texas residents can use discount code, “200 fee free” for a no fee payday loan of up to $200.
Are you having trouble getting a loan from the direct payday lenders and online installment lenders listed here? If you have multiple cash advance loans outstanding, very bad credit, or if you have trouble verifying your income or bank information it may be tough to get an online payday loan from any company. If you fall into this category you may want to check out Oneclickloans. They don’t offer payday loans in Texas directly, instead they work with hundreds of financial companies that are willing to fund loans for just about everyone regardless of their financial situation! Check them out today and see if you qualify with anyone from their network of direct payday lenders and direct installment lenders.
National Payday: Large national direct payday lender that’s currently funding 24 hour Texas payday loans online and instant direct payday loans through same day bank wire. They have low interest rates compared to other lenders and have been funding payday loans in Texas for years. Currently loaning up to $400 for new Texas customers and up to $1000 for returning customers.
Lendyou: LendYou has been in business since 2008 & since then they’ve helped thousands of Texas consumers in getting a short-term loan. They have a quick online application process for same-day payday loans in Texas of anywhere from $500 to $15,000. LendYou is a longtime member of the Online Lenders Alliance.
Check ‘n Go: Check ‘n Go is without a doubt one of the largest lenders of online payday loans in Texas. They have well over 200 stores all throughout the state with dozens of payday loan stores in Houston and Dallas alone. They also have a simple online application process and they promise next day cash if you qualify for a payday loan. Check ‘n Go provides direct payday loans of up to $1500 to Texas residents. The maximum payday loan term is 40 days and you can only have one loan out at a time.
Upstart: Upstart offers a unique approach to the online lending environment in Texas. They have flexible payment terms with the option to pay back your loan over months instead of weeks when compared to other firms that fund online payday loans in Texas . Another unique option is that you can choose your payoff term! You will probably need a credit score of at least 650 to qualify for a loan. At this time, Upstart is offering online loans of anywhere from $3,000 to $10,000.
Avant: Avant offers high dollar installment loans of anywhere from $1,000 to $30,000 to Texas consumers. Avant can be a great option for you if you’re looking for a large online loan with no collateral required but it may be difficult to get approved for a loan with them if you have poor credit. Unlike most companies that offer personal loans or payday loans in Texas, you’ll probably need a decent credit score with no past delinquent loans. They have no pre-payment penalty and offer loan lengths of anywhere from 12-48 months to Texas residents.
BadCreditLoans.com: A new company that as their name says, provides bad credit payday loans to Texas residents. They provide online payday loans in Texas of up to $1,000 for new customers and also provide installment loans for returning customers. They’re great to work with if you have bad credit as you can usually get a low dollar online cash advance with them. Lastly, they have a quick online application process and promise next day cash in hand loans for qualified applicants.
Springleaf: Springleaf has been in business for decades and they claim to have served well over 2 million consumers. They have numerous storefront personal loan offices in Dallas and Houston. Springleaf is currently offering secured online installment loans to consumers in Texas for up to $15,000. These types of loans are typically paid off over 1-3 years and you will probably need fair to good credit (score of 750+) in order be approved for a loan.
Check back at least once a week for updates regarding these online payday loans and direct installment loans in Texas. Texas is a good state to be in if you’re looking for online payday loans. Many of our online visitors arrive from large Texas cities like Dallas, Houston or San Antonio that have numerous payday loan stores, but we’ve been seeing an increase lately from smaller cities in Texas as well. So, don’t worry if there are no payday loan stores in your city. really Most of the large national lenders choose to offer online payday loans in Texas and they can usually loan more money with better terms compared to other states, even if you have bad credit. With that being said, we expect more direct payday lenders and direct installment lenders to start lending again as we move through the 2016(This includes payday loan lenders in Dallas, Houston & San Antonio).