The database lists direct payday loan lenders and direct installment lenders that offer cash advance loans to consumers who live in Texas
**Last Updated 9-2-2014**
MyPaydayLoan: An established online direct payday lender with a large presence in Texas. They promise a quick application process and can usually get you cash in hand in less than 24 hours. MyPaydayLoan is generally seen as being great 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) in order 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’re no longer requiring you to fax in a bank statement for loans under $400.**
Payday Direct USA: Payday Direct is an online company offering payday loans and 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.
Check City: Currently offering online direct installment loans and online direct payday loans to Texas residents. The maximum loan amount they offer for a direct payday loan in Texas is $600. This is based on a minimum loan term of 8 days with a maximum of 45 days. Installment loans offered by Check City are generally over $1,000. Check City also has numerous retail store-fronts throughout the state of Texas.
LendUp: Lendup is a new online lender that just started offering direct 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.
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.
PaydayLoanToday: Longtime direct payday 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 Texas payday lenders and offer a quick approval process through their online application system. Use code “200 fee free” through September for no fees on the first $200 borrowed when you apply for an online cash advance loan.
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. Ace requires you to have an active checking account with an income of at least $1,000 a month in order to qualify for a cash advance loan.
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 a normal direct payday loan. Another unique option with RISE is they allow you to choose your payoff term! At this time RISE can help Texas residents get a 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 September, just use promo code “NEWCASH50″.
Are you having trouble getting a loan from the direct payday 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’re not a direct cash advance lender 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.
Cash Central Loans: Cash Central is a large direct payday 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 CRMUT5″” for 10% off all loan fees through September.
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 Have a quick online application process and promise next day cash in hand for qualified applicants.
Check back at least once a week for updates regarding these direct payday lenders and direct installment lenders. Texas is a good state to be in if you’re looking for an online cash advance loan. Most of the large national direct payday lenders chose 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 into Fall 2014.