The database lists direct lenders that currently offer cash advance loans and online installment loans to consumers in Texas
**Last Updated 12-05-2014**
MyPaydayLoan: An established online lender that’s currently offering direct 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: As of July they no longer require you to fax in a bank statement for cash advance 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 cash advance loans 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.
PaydayLoanToday: Longtime online cash advance lender that’s currently offering online direct payday loans of up to $500 for Texas residents. They have lower interest rates when compared to other companies that offer payday loans in Texas and they offer a quick approval process with their online application system.
Check City: Currently offering online direct installment loans and online direct payday loans to Texas residents. The maximum loan amount they offer for an online cash advance loan in Texas is $600. This is based on a minimum loan term of 8 days with a maximum of 45 days. Online installment loans offered by Check City are generally over $1,000. Check City also has numerous retail store-fronts throughout the state of Texas.
Cash Central Loans: Cash Central is a large cash advance lender that’s just started offering direct online installment loans in Texas as well. They have an easy 3-step approval process and you can expect a real-time decision regarding loan approval in less than 5 minutes. Currently offering cash advance loans up to $2,500 for Texas residents. Use Discount Code “CJD20″ for 20% off all loan fees through the end of the year.
Ace Cash Express: Ace has been funding online direct cash advance loans in Texas for years and they currently have the most retail storefronts in Texas as well. At this time they’re offering online direct cash advance loans of up to $1,000 for consumers in Texas. Having bad credit won’t necessarily preclude you from getting a loan with Ace. You will have a good chance of qualifying as long as you have a checking account with an income of at least $1,000 a month.
Check Into Cash: You may be familiar with Check Into Cash. They have many retail locations throughout the state and they’ve been offering online direct payday loans to Texas residents for over a decade. They offer cash advance loans online and have a fully automated 24/7 application process. Founding member of Community Financial Services Association.
RISE: RISE offers a unique approach to the lending environment in Texas. They have flexible payment terms with the option to pay back your loan over months instead of weeks compared to most companies that offer cash advance loans. Another unique option with RISE is they allow you to choose your payoff term! At this time RISE can help Texas residents get an online loan of $200 to $1,500.
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 cash advance 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 50% off loan fees promo through the end of December, just use promo code “NEWCASH50″.
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 Cashadvance.com. They don’t offer loans directly but 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.
LendUp: Lendup is a new online lender that just started offering direct cash advance loans in Texas as of July 1st. 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.
National Payday: Large online lender that’s currently offering 24 hour payday loans and installment loans through same day bank wire. They have low interest rates compared to other cash advance lenders and have been lending for years to Texas residents. Currently loaning up to $400 for new Texas customers and up to $1000 for returning customers.
Round Sky Loans: A new lender that’s offering installment loans and payday loans to Texas residents. They are funding online cash advance loans 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.
Check back at least once a week for updates regarding these online cash advance lenders and direct installment lenders. Texas is a good state to be in if you’re looking for direct cash advance loans. Most of the large national direct cash advance lenders choose to operate 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 towards the end of 2014.