On an assumed loan amount of $500 over 3 months. Representative 400% APR. Total repayment amount $864.87. 3 monthly payments of $288.29.
Payday Loans in Texas - Apply Online Today!
Capital Bean can help you find the Best Payday Loans in Texas TX including Austin, Dallas, Houston or San Antonio. Check your eligibility today, whether you are looking to borrow $300 $500 cash advance with no credit check, we have a number of bad credit options available. Simply click on the 'get started' button below and you can receive an instant approval and receive funds within 1 hour, 24 hours or next business day.
How Can I Apply For Payday Loans?
Use Capital Bean’s 100% online application form to get started today. We make it as easy as possible to apply and you’ll receive an instant decision with the money in your account the same day, next day, or within 24 hours.
Apply online for a Texas cash advance using our 100% free online form to apply in less than 5 minutes on your phone, tablet or laptop.
Receive an Instant Decision
You will receive an instant decision on your laptop, tablet or ipad from one of our lending partners who will offer the best rates for your circumstances.
Within 1 hour, the same day or the next business day you will get your funds in your nominated bank account that you provided in your application.
Can Capital Bean Help Me Find A Cash Advance Payday Loan In Texas, Austin, Houston, Dallas Or San Antonio?
If you are in Texas and are looking for extra cash between paychecks, Capital Bean can help you find the best lender for you and receive funds on the same day of applying. There are a number of reasons why you might need money fast, such unexpected medical emergencies, home repairs or car breakdowns. Our online payday loans Texas services are quick and easy to use and can help you find a payday loan anywhere in Texas. Apply today and get a decision in a matter of minutes!
Is A Texas Payday Loan The Right Product For Me?
Many of our borrowers work with Capital Bean to help them get through short-term financial issues such as unexpected home or car repairs or medical expenses. Once your application has been approved by our panel, the funds could be in your bank account in under an hour.
Capital Bean helps people in Texas find a payday loan with the best options
- Rapid decisions
- Flexible repayment terms
- Poor credit options available
- Online loan form
Payday loans are designed for short-term, emergency expenses only. If you are looking for extra cash to spend on shopping or going out then this is not the solution. For people with long-term debt or financial problems, short-term are not the right option as they can worsen debt problems.
You should always read the lender’s terms and conditions carefully to make sure that you can afford to repay this loan in the specified time. If you are unable to meet a repayment on the due date for any reason, this will increase the amount of interest you have to pay and could negatively impact your credit score in the long run.
Am I Eligible For A Payday Loan in Texas?
To apply for a payday loan you meet the following criteria to apply:
- A citizen of the USA
- Over 18 years old
- Minimum monthly income of $800
- Have a cell phone
- Able to afford every monthly repayment
- We consider very bad credit histories
- Have an open checking account so the lender can send the money
Can I Get A Payday Loan In Texas?
Before completing the online request form, first check whether you are definitely eligible for a loan – this could save disappointment and will also save you time. To take out a payday loan in Texas, there are four key eligibility requirements. Applicants must be residents of the US and at least 18 years old. Borrowers will need to demonstrate a monthly income of at least $800. Finally, you must have an active checking account where your payday loan can be paid into.
Where Can I Find A Texas Payday Loan?
We work in all major cities across Texas including the major cities like Houston, San Antonio, Dallas, Austin and Fort Worth. See the rest of the list below. Because we are 100% online we can help you with a payday loan regardless of where you live in Texas or across the USA.
- Timberwood Park
- University Park
- San Benito
- Fort Hood
- Horizon City
- Del Rio
- Deer Park
- Harker Heights
- Eagle Pass
- Lake Jackson
- Balch Springs
- Canyon Lake
- West Odessa
- Big Spring
- Cedar Hill
- Haltom City
- The Colony
- Mission Bend
- Copperas Cove
- Farmers Branch
- La Porte
- San Juan city
- Cedar Park
- Flower Mound
- Missouri City
- North Richland Hills
- San Marcos
- Port Arthur
- Texas City
- Little Elm
- Round Rock
- College Station
- League City
- The Woodlands
- Sugar Land
- Wichita Falls
- San Angelo
- New Braunfels
- San Antonio
- Fort Worth
- El Paso
- Corpus Christi
- Grand Prairie
- Mesquite city
The right partner
Capital Bean only works with trusted lenders so we can guarantee responsible lending. With hundreds of different lenders available across Texas, we can analyze your application and make sure we are finding the right lender and the best loan product for your personal circumstances.
No impact on your credit history
Unlike banks or other financial institutions, Capital Bean does not carry out hard credit checks. Our soft credit checks mean that there is no visible footprint on your credit history. Capital Bean looks at factors other than just your credit history in order to determine creditworthiness meaning that even if you have a poor credit score, you can still be considered for a loan.
Capital Bean is a broker rather than a direct lender. This means that we do not supply the funds directly but instead match you with the best lender for you. Even if you have poor or bad credit, we will always try and help you find access to funds.
Are Texas Payday Loans Legal?
Payday loans are legal in the state of Texas and operate with no limits. There is no maximum loan amount that a borrower can take. Nor is there a maximum fixed finance fee meaning that APR can often be more than 400%. Lenders are free to charge any fees they deem necessary in proportion to the loan amount.
Texas has 2 different types of payday loans: single (must be repaid within 2-4 weeks), and multiple installment loans (due within 6 months).
Can I Get A Texas Payday Loan If I Have Bad Credit?
In the state of Texas, you can still find a payday loan even if you have very bad credit, including if you have been turned down by an app or credit union or bank in the past. You might have previously made a mistake that has impacted your credit score, but we at Capital Bean believe you should always have the opportunity to rebuild your financial strength. Working with borrowers from all backgrounds, Capital Bean can help you get started today to find the right payday loan for you.
Guides to Read
How Can I Find A Texas Payday Loans Near Me?
The application process for Texas payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.
We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in less than 60 minutes!
At Capital Bean, we understand the need for speed. When you’re met with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!
What Are The Repayment Terms Of A Payday Loan In Texas?
The terms and conditions of your loan will vary depending on which lender you decide to work with. If you’re taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks. An $500 instant loan is a common amount in Texas.
If you’re borrowing over $1,000 (up to $35,000) these payments are usually spread over a longer period of time.
In Texas, the limit for loan terms depends on the type of loan. If it is a single payday loan, it normally must be repaid between 2 weeks and a month. For multiple installment loans, you will need to repay the value within 6 months.
If for any reason you struggle to pay back the loan amount, this could impact the amount of interest you need to pay and could negatively impact your credit rating in the long term.
What Are The Laws For Payday Loan Texas?
|Interest Rate (APR)||
can be over 400%
|Maximum Loan Amount||
|Minimum Loan Term||7 days|
|Maximum Loan Term||180 days|
No restriction (no more than 3 if the City Ordinance was adopted)
|Total Outstanding Loans||
|Is There A Cooling-off Period||No|
|Statute of Limitations||
4 years (from the last payment)
Reference: Texas State Law Library
How Fast Can I Get A Payday Loan In Dallas, Houston Or San Antonio?
If you complete our 100% online request form, you can receive a decision about your loan approval in minutes. Successful applications could even receive the funds directly into your account on the same day.
Capital Bean aims to make the process as fast and straightforward as possible. That is why we work with multiple lenders across Texas to help get the money to you as quickly as possible. Successful applications can receive money from the lender straight into their account in as little as an hour.
To speed up the process and to help you get fast access to funds, make sure you have relevant information ready to fill out the form such as your bank account details. If you are wanting to receive the decision as quickly as possible, make sure to submit your application during Texas working hours as this is when the majority of loans are approved. Being able to respond quickly to any queries or document requests will make it more likely that your loan is approved.
How Can I Borrow A Cash Advances Near Me In Texas?
Start the process today by clicking on the ‘get started’ button below and head straight to the online form. Answer some simple questions about how much you wish to borrow and over how much time. You will also be asked for a few personal details including your income, monthly expenditure and employment status.
FAQs for Payday Loans in Texas
What’s The Maximum And Minimum I Can Borrow In Texas?
Payday loan amounts range from $100 to $35,000 and there is no specified cap for payday loans in Texas.
If I Have Bad Credit Can I Still Get A Payday Loan In Texas?
Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.
What Is The Maximum And Minimum Duration Of A Payday Loan In Texas?
At Capital Bean you can borrow money to be repaid over a maximum period of 5 years depending on where you live. In Texas, the minimum loan period is 7 days and the maximum is 180 days.
Is Capital Bean A Lender?
Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate in California. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.
How Much Does It Cost To Submit A Payday Loan Request In Texas?
There are no fees to submit a payday loan request in Texas via Capital Bean’s online application service.
How Quickly Can I Get Money In The Bank?
If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.