If you are looking for the best payday loans in Texas, we are here to help! We match your loan enquiry with a range of lenders, so you can receive a personalised quote. Borrow $100, $500 or $1,000 with bad credit scores accepted. Simply click on “Get Started” below and thanks to Finger Finance the power is in your hands!
Apply for the Best Payday Loans in Texas TX, Austin, Dallas and San Antonio
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*
How To Apply for a Payday Loan in Texas with Finger Finance
Step One: Apply Online
Enter your details 24 hours a day, 7 days a week, using a desktop, mobile or tablet – and always be sure to give the most accurate contact and personal information to move things along swiftly!
Step Two: Get a Loan Decision
Finger Finance will give you an instant decision on the screen and you can choose to proceed, completely free of charge. You will be sent an electronic loan agreement with all the terms presented clearly and you can sign this online to finalise the loan.
Step Three: Receive Your Loan
Subject to further checks by the lender, your loan can be fully approved and funds are sent to your bank account as quickly as possible!
How Does Finger Finance Work With Lenders in Texas?
Finding the Right Lender
Finger Finance only ever works with trusted lenders in Texas. This means that we know they are lending responsibly. Every time you put in an application we analyze our panel of lenders and find the right loan for you.
Soft Credit Check
All Finger Finance loans are soft search, meaning that we will look at your background on the basis of your credit record. We will never leave any visible footprint on your credit report through our search.
Finger Finance is a broker, not a direct lender, meaning that we can help to find you the most affordable loan available in Texas even if you have an imperfect credit history.
What Are The Regulations for Payday Loans in Texas?
|Are Payday Loans Legal?||Yes|
|Minimum Loan Amount||Not specified|
|Maximum Loan Amount||Not specified|
|Minimum Loan Term||7 days|
|Maximum Loan Term||180 days|
There is no cap but state regulators have reported an average APR of 410%
|No. of Rollovers Allowed||Not specified|
|No. of Outstanding Loans||Any|
|Finance Charges||Vary from lender to lender|
|Statue of Limitations||6 years (from the last payment)|
Am I Eligible for a Payday Loan in Texas?
There are just a few things you need to be eligible for a payday loan. To be eligible for a loan in Texas from Finger Finance you must meet the following:
- 1. Be at least 18 years of age or older
- 2. Be a U.S. resident
- 3. Have a social security number
- 4. Have a checking account
- 5. Have a consistent income and be earning $500 to $1,000 per month (depending on the lender’s requirement)
Why is the APR for Payday Loans in Texas so High?
The APR for payday loans is high across all states, not just Texas specifically. This is because payday loans operate on a short-term basis and are considered by lenders to be high risk.
This is because payday loans are usually unsecured, offered to customers with any type of credit history, short-term, and not usually repaid in the first instance.
Can I Get a Payday Loan in Texas With a Bad Credit Score?
Yes, you can get a payday loan in Texas with a bad credit score.
Finger Finance are willing to accept all credit histories, including poor credit. A poor credit score will not stop you from getting a payday loan.
Are Payday Loans Legal in Texas?
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%.
Texas has 2 different types of payday loans: single (must be repaid within 2-4 weeks), and multiple installment loans (due within 6 months).
Where Can I Get a Payday Loan in Texas?
You can apply online through Finger Finance to receive a payday loan in the following cities within Texas below:
Gun Barrel City
North Richland Hills
Rio Grande City
Why Choose Finger Finance?
- Get an instant decision online
- Repay early anytime to save money
- Enquiring is free and doesn’t affect your credit score
- Easy online enquiry process
- Borrow anywhere from $100 – $5,000
- Get the money in one lump sum on the day you enquire
How Much Can I Borrow in Texas?
Payday loan amounts range from $100 to $35,000. There is no specified limit under the law in Texas for how much you can borrow.
How Do Repayments Work?
The repayment terms of your payday loan will vary depending on which lender you decide to work with. If you are taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks. If you are 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.
Can I Get the Money on the Same Day?
Yes, if you are approved you could have the funds in as little as an hour on the same day with Finger Finance.
Are There Any Upfront Fees?
No, Finger Finance will not charge you any upfront fees when taking out a payday loan. 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.
Is Finger Finance a Direct Lender or Broker?
Finger Finance is a payday loan broker, not a direct lender. This means that we will not pay you the funds directly but will instead work with our panel of lenders to get you the best possible rates in Texas.