Best Payday Loans in Texas - Fort Worth, Austin, San Antonio, Houston, Dallas, El Paso
Apply Online Now for a Payday Loan or an Installment Loan in Texas with Dime Alley if you want a loan to suit your financial needs. Whether you’re in Austin, Dallas, Fort Worth, or San Antonio, TX, apply online today and borrow between $100 and $35,000 ASAP – you could receive the funds in your account within an hour!
3-Step Process To Get a Payday Loan in Texas, TX:
Why Use Dime Alley for Payday Loans in Texas?
If you’re looking for a bit of extra cash to help you through to your next paycheck or to pay an unexpected bill, such as a medical or veterinary bill, Dime Alley can help you to find a payday loan to suit your needs.
If your application is accepted, you could receive the money in your account in just a few short hours! We all have times of financial hardship, but rest assured, at Dime Alley, we are there to help you get through it!
Where Can I Get a Payday Loan in Texas?
We proudly work with a number of payday loan companies in Texas – and Dime Alley can find the perfect fit for you. Our list of partners includes startups, apps, tech companies, credit unions, auto loan providers and money lenders – so we are sure to find you the best option available on the market.
One of the main benefits is that our bespoke software can bring all these trusted providers into one place, so that you can get a quote immediately from the lender with the highest approval rate. So whether you are in based in Dallas, San Antonio or Fort Worth, Dime Alley has got you covered!
Am I Eligible for a Payday Loan in Texas?
Before you request a payday loan, you should consider whether you meet the conditions necessary. There are four main conditions to be eligible:
- You must be a U.S. resident.
- You have to be at least 18 years of age.
- You need to have a consistent income with earnings at a minimum of $800 per month.
- You must have a checking account that your Texas payday loan can be deposited into.
Can I Get a Title Loan in Texas?
Yes! You can get an Auto Loan in Texas when you apply with Dime Alley.
Texas law currently has no cap on title loan amounts, but it does have an interest rate cap of 10%.
In addition, certain Texas cities have title loan laws applicable before consumers can take out a title loan. For instance:
Austin, Dallas, San Antonio, and Houston limit title loans to 3% of borrowers’ annual income or 70% of the vehicle’s market value, whichever is lower. Killeen, Texas, requires lenders to ensure that borrowers take a loan of less than 20% of their monthly income.
How Long Does it Take to Get a Payday Loan in Texas?
The online form is quick and can be done from the comfort of your own home. When requesting a payday loan in Texas with Dime Alley, you can get same-day funding for your financial emergency.
Don’t waste time visiting your local loan lender and filling out paperwork or searching around for the best loan options. Get started with Dime Alley online today with zero paperwork, and access payday loan options from direct lending companies around Texas. If you are accepted, a lender will be in touch to get the money in your account as soon as possible. You could receive funds within the hour!
Texas, TX Payday Loan Rules and Regulations
| Are Payday Loans Legal? | Yes |
| Maximum Loan Amount | Not Applicable |
| Minimum Loan Term | 7 days |
| Maximum Loan Term | 180 days |
| Price Cap |
There is no cap but state regulators have reported an average APR of 410%
|
| No. of Rollovers Allowed | 0 |
| No. of Outstanding Loans Allowed | Any |
| Finance Charges |
Vary from lender to lender
|
How Do I Repay a Texas Payday Loan?
Texas payday loans are repaid over two weeks to five years in equal monthly instalments. If you need to cover a one-off emergency bill, a couple of weeks may be long enough to get you to your next paycheque.
For large sums, you may need to spread out the repayments more. You can choose to repay your payday loan in equal instalments each month up to five years! You are also always able to repay the loan early to save money on interest.
What To Consider Before Getting a Payday Loan in Texas?
You should first check that you meet the eligibility criteria (see above) before you apply. Make sure you consider whether you can afford to meet the repayments on time.
In the case that you are unable to repay your payday loan, interest may be added. Not repaying your loan on time may also affect your credit score. It would be best if you thought about how much you actually need to borrow before getting started.
Can I get a Payday Loan with Bad Credit in Texas?
If you have a bad credit score, don’t worry – you can still get a payday loan in Texas!
With Dime Alley, all credit histories are accepted. This means that you should still request a payday loan with us even if you have already been turned down by a bank because of bad credit.
What People Say About Us
“Had a good experience and got my loan the next day. I needed it to pay my bills and will consider using it again if I need a loan.”
Darryl, Michigan, February 2023
“Personal and friendly, they did what they said they would do, I was approved for a loan although I have bad credit. It was just a short term thing, but has helped me and my family.”
Merryl, Texas, September 2021
“I found the experience overall easy to use. I had to sign an agreement online and all the terms were there and very clear. I would do it again if I needed some money.”
Imani, Georgia, March 2021
More Frequently Asked Questions
How Much Can I Borrow in Texas?
With Dime Alley, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.
Other things come into play too, including your residence (homeowners are often preferred), age and whether you have any other similar loans open too.
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Am I Charged a Fee for using Dime Alley?
No! We will never charge fees for using our service.
Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.
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Can I Get a Payday Loan with No Credit Check?
Dime Alley will consider those looking for no credit check loans, but note that a credit check is usually carried out for all customers.
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What is the Repayment Period on my Payday Loan?
Customers can repay over 1 month to 60 months (or equal to 5 years) – this will depend on whether you prefer the payday option which may be just a few weeks or months, or the longer installment option which can be several years to stretch out your repayments.
Payments are usually made in equal monthly installments from the bank account you choose and you always have the option to repay early if you would like to do so.
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Is There a Price Cap on Loans in Texas?
Yes – the price cap on interest is set at 664% for payday loans in Texas.
The goal of an interest cap is to protect borrowers from excessively high interest rates in an attempt to make loans more affordable and also to deter lenders from predatory lending.
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