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Apply for the Best Payday Loans in Texas TX, Austin, Dallas and San Antonio

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!

Representative Example:
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

Texas-payday-loans-broker

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!

Payday-loans-Texas-lenders

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.

Texas-soft-search-loans

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.

Responsible

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
Price Cap
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)
Payday-loans-Texas

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:

Abilene
Addison
Alamo
Alice
Alief
Allen
Alvin
Amarillo
Angleton
Aransas Pass
Arlington
Atascosa
Athens
Atlanta
Aubrey
Austin
Azle
Bay City
Baytown
Beaumont
Bedford
Beeville
Bellaire
Big Spring
Bonham
Borger
Boyd
Brenham
Brookeland
Brownsville
Brownwood
Bryan
Buda
Burleson
Canton
Carrollton
Cedar Hill
Cedar Park
Channelview
Childress
Clarksville
Cleburne
Cleveland
Clute
College Station
Colleyville
Conroe
Coppell
Copperas Cove
Corpus Christi
Corsicana
Crosby
Crowley
Crp Christi
Cypress
Dallas

Deer Park
Del Rio
Del Valle
Denison
Denton
Desoto
Detroit
Diboll
Dickinson
Dumas
Eagle Pass
Edinburg
El Campo
El Paso
Elgin
Elsa
Ennis
Euless
Ferris
Fort Worth
Freeport
Friendswood
Frisco
Gainesville
Galveston
Garland
Gatesville
Georgetown
Gonzales
Granbury
Grand Prairie
Grapevine
Greenville
Groves
Gun Barrel City
Hale Center
Haltom City
Harker Heights
Harlingen
Henderson
Hereford
Hidalgo
Houston
Humble
Huntsville
Hurst
Ingleside
Irving
Jacksonville
Jasper
Katy
Keller
Kerrville
Kilgore
Killeen
Kingsville

La Marque
Lake Dallas
Lake Jackson
Lamesa
Lancaster
Laredo
League City
Leander
Lewisville
Littlefield
Longview
Lubbock
Lufkin
Lumberton
Mabank
Mansfield
Marble Falls
Marlin
Marshall
Mathis
Mc Kinney
Mcallen
Mckinney
Mercedes
Mesquite
Midland
Midlothian
Mission
Missouri City
Monahans
Mount Pleasant
Nacogdoches
Nederland
New Boston
New Braunfels
New Caney
North Houston
North Richland Hills
Odessa
Orange
Orange Grove
Palestine
Pampa
Pantego
Paris
Pasadena
Pearland
Pecos
Pflugerville
Pharr
Plainview
Plano
Pleasanton
Port Arthur
Portland
Quitman

Raymondville
Red Oak
Richardson
Richmond
Rio Grande City
Robstown
Rockport
Rockwall
Rosenberg
Round Rock
Sachse
San Angelo
San Antonio
San Benito
San Elizario
San Juan
San Marcos
Seabrook
Seagoville
Seguin
Selma
Sherman
Sinton
Snyder
South Houston
Splendora
Spring
Stafford
Stephenville
Sugar Land
Sulphur Springs
Sweetwater
Talco
Taylor
Temple
Terrell
Texarkana
Texas City
The Colony
The Woodlands
Tomball
Tyler
Universal City
Uvalde
Vernon
Victoria
Vidor
Waco
Waxahachie
Weatherford
Webster
Weslaco
West Columbia
Wharton
Wichita Falls
Woodville
Woodway

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

FAQs

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.