Payday Loans in Houston, TX | Cash Advance in Houston, TX
If you’re experiencing money problems and need a small advance backed by your upcoming paycheck to tide you over, a payday loan may be just the solution you’re looking for. This is particularly true if you have an unexpected expense that popped up out of nowhere.
At Direct Payday Loans, we are proud of the speed with which we are able to connect you with one of our payday lenders. Most of the time, if you submit your application because you’re looking for a payday loan–also called a payday advance–in Houston, you’ll be connected with a lender in just a few minutes. Once you submit your application, you’ll be able to review the lender’s terms, and if accepted, you can get the funds deposited into your bank account quickly–often in the same day!
If you’re looking for same day loans in Houston to help with your money troubles, look no further. A payday loan via Direct Payday Loans can be a great tool to get rid of your money problems and help you get back to your life and the things that matter most to you.
Houston, TX Payday Loans Online
A payday loan is a short-term cash advance that is generally used for a limited period of time for unexpected expenses. Though it’s most commonly called a payday loan, you may also hear it referred to as a “payday advance.” These loans are personal, unsecured loans and inherently short term in nature. They’re not designed like auto or home loans.
Auto and home loans (mortgages) are generally used for much larger amounts, and they require extensive underwriting, including an in-depth look at your credit history and credit score. They are also secured against the property you’re buying, be that a car, truck, or a house.
Our lenders understand that you may be in a tough financial spot and need access to quick cash. Because of this, their underwriting requirements are far less onerous than the requirements for a home or auto loan.
Payday advances are a safe, practical way to extend your purchasing power to your next paycheck and help you deal with unexpected expenses like back-to-school costs, car or truck repairs, or travel costs.
Houston is one of the largest cities in the country and the most populous in Texas with over 2 million residents in Houston proper and over 7 million calling the Houston metro area home. Houston has a robust economy that is substantially tied to the petroleum industry. Many Fortune 500 companies call Houston home, including Phillips 66, Sysco, ConocoPhillips, and Occidental Petroleum.
Despite the robustness of Houston’s economy, hard economic times can jump out of nowhere and surprise you. With a good, steady paying job at one of the major employers mentioned above, or even another great company like Starbucks, Home Depot, or Autozone, you can still find yourself with a cash shortfall when you least expect it. If that happens, a payday advance can help you get the cash you need until you’re back on sound financial ground.
If you have a steady paycheck from your job, a payday loan in Houston, TX can provide quick cash–often the same day–to get your expenses under control.
Just how much can I borrow in Houston, TX?
Generally speaking, if you get a payday loan in Houston you’ll be able to borrow between $50 and $1,000 depending on a few factors. You may be able to borrow more, but if you need to borrow more than $1,000 your credit score will likely be used. The primary factors that a lender will look at for a $50-1,000 loan include:
- Your state of residence,
- Length of time at your job, and
- The amount of your paycheck
As mentioned above, payday loans are generally much faster and easier to qualify for than larger home & auto loans.
After filling out the application, you’ll be connected with local lenders who will be able to evaluate your situation and provide you with same-day cash. In exchange for this cash, you’ll be charged a small fee in the form of interest. Keep in mind that the original principal amount you borrow, along with the interest the lender charges, will be due and payable to the lender on your next payday. The payment will be made via ACH transfer.
Getting a fast and easy cash advance from Direct Payday Loans is a great way to get the cash you need today so you can get back to spending time with friends, family, and doing all the great things you enjoy in your normal life. By applying through our website, you can expect to:
- Get the cash you need the same day, often within just a few minutes
- Read easy-to-understand terms and conditions
- Get a short-term payday loan without hassle
- Receive your cash without needing to fax documents or paper checks
As you’re thinking about taking out a payday loan, it’s important to consider your budget prior to doing so. When you take out the loan, you’ll have to repay both the principal borrowed and the interest due to the lender on your next payday loans. You can get cash today, but keep in mind your full financial situation. In addition to paying the loan and interest back, you’ll also need money for your normal expenses such as rent, groceries, your cell phone bill, and so on.
Many lenders allow you to renew your loan and roll it over to the next pay cycle. At Direct Payday Loans, we don’t recommend this. Why? Renewing your loan can create a cycle in which you end up owing a lot more in the long run than the amount you initially borrowed. Prior to applying, create a budget plan to ensure that you have sufficient cash left over to cover all your expenses after your next payday.
Bad credit? Not an issue in Houston
One of the most common questions we get is whether or not people can access a payday loan if they have a low credit score, a past bankruptcy, or just general credit trouble. The short answer is YES. Even if your credit isn’t stellar, you can get the advance you need.
Our lenders know that you may be facing a short-term financial difficulty, and for this reason they make it far easier to get a loan even if you have a low or no credit score. Our lenders will use your paycheck, in large part, in order to make a lending decision, and they generally won’t even need to use a credit check. If you need to borrow more than $1,000, it is likely that a credit check will be required.
Easy Online Application – Instant Approvals For Houston Residents
We have spent a lot of time optimizing our online application process to make it quick and easy for you, so you don’t have to waste time in getting the cash that you need today. The application will only take a few minutes of your time, and you’ll generally be able to get a near-instant decision on whether you are approved for a loan.
Prior to beginning the application process, ensure that you have your social security number, paycheck information, and banking info handy.
Direct Payday Loans Online in Houston: money when you need it most.
Local Payday Advance Stores Near Me in Houston, TX
At Direct Payday Loans, we believe the best way to access a payday loan is by applying online. The primary reason is that an online application makes it far easier to compare rates and terms between multiple lenders. This comparison step may save you a lot of cash by getting a lower interest rate from one lender versus another.
By comparison, if you’re looking at getting a payday loan from a storefront, comparing terms is a lot more difficult. You’ll have to either drive between or call multiple stores in order to see how much money they’ll lend you and under what terms. Keep in mind, as well, that a local storefront has to support a large rent payment, and this is frequently passed on to you in the form of higher fees or interest costs.
Still, if you prefer doing business in person and want to go to a payday storefront, we’ve compiled a list of local payday lenders in Houston to help you make a quick decision.
Texas Car Title and Payday Loan Services
Texas Car Title has six locations around the Houston metro and is quite convenient to reach for all Houston areas except in the southern part of the city. The company’s locations have generally excellent online reviews, which is always a good sign. Online reviewers are almost universally happy with the service they receive at the location below, and they specifically call out staff members there as being very friendly.
12817 Aldine Westfield Rd
Houston, TX 77039
Loan Express has one location in the southern part of metro Houston. Its online reviews are only OK, so it may be worth your time to search around prior to settling on using this location. While many reviewers were happy with their experience here, a handful mentioned having a bad customer service experience with some of the employees.
5910 Scott St
Houston, TX 77021