Apply for 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.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

How To Apply for a Payday Loan in Texas with Finger Finance

We offer a completely online application process so you can enter your details on our form and get an instant decision on the screen! We will connect your loan requirements with the best lender based on how much you wish to borrow, how long for and your credit score. You can borrow $100 to $35,000 repaid over 1 to 30 months and if approved, you can receive money to your bank account in 1 hour, 24 hours or the next day.

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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!

Why Use Finger Finance for Texas Payday Loans?

We are able to present your loan enquiry to more than 50 lenders across Texas including payday stores, short term and installment lenders, apps, cash advance companies, credit unions and more. There is no need to go to different lenders one-by-one and settle on the first offer or face rejection, we can save you time, money and effort – and put you in touch with the best lender for your personal requirements today!

The application process with Finger Finance is 100% online, which means you can get your loan without leaving your couch. There’s no fee to enquire for a loan and applying won’t affect your credit score. You’ll get an instant decision on your loan and receive your money in one lump sum to pay for any pressing emergencies or important purchases that you may have.

How Much Can I Borrow and For How Long?

With Finger Finance you can borrow $100, $300, $500 or even as much as $35,000. You can repay the money over 1 month or up to 60 months (5 years) in just the one payment (as a payday loan) or in equal monthly installments. Finger Finance always gives you the option to repay early to save money on the interest on your loan.

How Quickly Can I Receive Funds?

For small loans, you can usually receive funds on the same day that you are approved, which can be just 15 minutes or a few hours. For larger loans, this may require some extra checks by the lender, such as phone call to you or proof of income and this can be funded within one business day.

Where Can I Get a Payday Loan in Texas?

Finger Fiance offers payday loans all across Texas TX, including:

  • Amarillo

  • Arlington

  • Austin

  • Brownsville

  • Corpus Christi

  • El Paso

  • Fort Worth

  • Frisco

  • Garland

  • Grand Prairie

  • Irving

  • Laredo

  • Lubbock

  • McKinney

  • Plano

  • San Antonio

  • Waco


Key Features

  • Borrow between $100 and $35,000
  • Free to apply
  • No impact to credit score
  • Get an instant decision when you apply
  • Money transferred in one lump sum
  • Repay on your next payday or monthly installments
  • Completely 100% online application
  • Repay early anytime to save money

Am I Eligible for a Payday Loan in Texas?

  • 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)

Do You Accept Payday Loans for Bad Credit in Texas?

Yes, we can offer loans for people with bad credit in Texas and by working with such a range of lenders, we have partners who will consider all kinds of credit scores and backgrounds.

So even if you have been rejected in the past or fear that you might be declined for a poor credit loan in Texas, do not worry, Finger Finance is here to help.

Whilst payday loans are often available for people with bad credit, we can also assist with products secured against your home or car, credit unions or longer term loans which can help people with poor credit to get back on their feet. 

With no fees for applying or impact to your credit score, you can have peace of mind that Finger Finance will put you in the right hands!

Do You Offer Installment Loans in Texas?

Yes, whilst we offer the traditional payday loans product which is repaid in just a few weeks on your next payday from work, you can also borrow money over 3,6,9,12,24 or up to 60 months. This will usually be in equal monthly installments so you know exactly how much you are paying back each month and can budget accordingly. Plus, you always have the option to repay your loan early, with no extra fees. The longer your loan is open, the more interest that adds up, so repaying early can save money on the overall cost of the loan.


Can You Offer Loans in Texas on The Same Day of Applying?

Yes, our loans engine is designed to offer same day loans, so by entering your details through our loan form you can receive an instant decision and subject to further checks, receive funds on the same day.

In fact, some of our loans are often issued within 15 minutes or 1 hour. Being an unsecured loan, there is no collateral needed and if you meet the lender’s criteria, have a stable income and the right credit score, you can get approved and funded as quickly as possible.

The only reason that it might take a little longer is if you have requested to borrow a large amount of $1,000, $2,000 or $5,000 since you may need to show some proof of income or other documentation to be eligible. Plus, if you apply on weekends or evenings, it might take longer because you may need to hear back from the lender whereas smaller loan amounts can be automated and funded more quickly. 


Is a Texas Payday Loan Right For Me?

Payday loans can be a very effective product if you need money immediately or for an emergency expense. The lenders are very technologically advanced and can approve and transfer applications much faster than banks or other typical lenders – and this is a big advantage if you are in a financial pickle.

But it is important to remember that payday loans are expensive products and being reliant on them long-term will be costly and is not recommended. You should always be sure that you can repay your loan on-time, since failing to do so will incur additional fees and it could have a negative impact on your credit score. So always have an end goal in mind and plan how you are going to pay it off on time.

Frequently Asked Questions

Your loan agreement or loan offer will be presented to you before your funds are transferred. To avoid having to print off documents, sign them and send them off, this can be completed electronically by using a unique email link that is sent to your email address and a PIN code that is sent to your phone. Match up the two, read over the terms of your agreement and you are ready to go!

No, we are not a direct lender, we work with more than 50 lenders who are regulated, licensed and responsible, offering all types of loans for good and bad credit histories. You can have peace of mind that any information you provide will not be shared with any other companies without your permission.

Based on a 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, equal to 12 monthly payments of $112.60.*

No, we do not charge any fees for applying for a loan with Finger Finance. It is completely free to apply and always will be.

The majority of applications are processed online and you should be able to receive funds electronically. In some cases, you may need to go to a payday store near you to complete the application and receive your funds (but this is not typical).

We only work with lenders who are fully regulated and responsible, so you can apply today knowing that your details are being kept safely and your loan is being processed by a company that is working in accordance with US law. 

No, we cannot offer a guaranteed loan, but we can certainly maximize your chances of being approved by working with a variety of lenders across payday, installment, collateral, auto and credit unions – helping you to increase your chances of getting an instant decision and loan offer today.