Payday Loans in Irving, TX
Payday loans online are a quick and dependable way to cover your monthly expenses. These high-interest, short-term loans come in several different sizes. Applicants can easily take out a 500 dollar loan to help them until their next paycheck. Scroll down to learn more about taking out payday loans in Irving, TX, with Cash Loans Nearby.
How to Apply for a Payday Loan Online in Irving
Cash Loans Nearby provides users with a fast and easy loan application process online. Simply follow these steps, and you could have the borrowed money amount by the end of the day.
- Click on the ‘Apply’ button on our site.
- Complete the loan application with the necessary data.
- Wait while we look over your application. If you’re approved, we’ll give you one or more options to choose from.
- E-sign the agreement to accept our terms and conditions.
- Wait for the deposit to complete and the instant cash to show up in your account.
What Will You Need?
When customers are applying for payday loans, they will notice several conditions they need to fulfill. To avoid any issues with the application, consult the list below before applying.
- A government-issued ID proving you’re over 18.
- To be a resident of Irving.
- An active checking account with your name on it
- Social Security Number.
- A stable income of at least $1,000—you can use a pay stub from your employer as proof.
- Phone number and email address
How Much Can You Borrow?
Payday loans in Irving, TX, don’t limit the amount residents can borrow. So, you can get anywhere from $50 to over $1,000. Research has shown that Texans usually take out around $800. Most of the time, our customers request a cash advance from the following range:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
When Will You Receive Your Funds?
When you get your cash advance depends on when you have applied for the loan. We work with dependable lenders that make sure to complete the transaction as soon as possible. If you’re approved and sign the agreement immediately, you’ll likely get the small loan the same day. However, this isn’t always the case. If you apply after working hours, you’ll need to wait until the following business day.
APR and Fee
Advance payday loans in Texas don’t come with a fixed annual percentage rate. So, they usually exceed 400%. Instant cash often comes with additional charges the borrower needs to cover. We listed the typical extra fees you might come across.
- Small loans under $30 have a $1 fee for each $5 borrowed.
- Quick cash advances from $30 and $100 charge 10% of the loan amount monthly. If the loan is smaller than $30, there’s an extra $3 monthly fee.
- Short-term loans that range between $35 and $70 come with a fee of $3.50 per month. If the loan exceeds $70, there’s an additional $4 charge.
- Cash advances larger than $100 have an extra fee of up to $10. Note that each 100 dollar loan also charges $4 monthly.
Regulations Surrounding Payday Loans in Texas
Payday loans in Texas are under strict regulations. This is done so that all parties involved in the loans are protected. These financial advances can come with two different repayment terms. Single payday loans in Irving, TX, have a period that ranges between two weeks and a month. Installment loans, however, are due within six months. Additionally, the state of Texas doesn’t limit the loan amount. So, you can choose between a 200 dollar loan or a larger one.
There’s no mention of a cooling-off period. Meaning, Irving residents of area codes 214, 469, 972, 682, and 817 don’t need to wait at all before applying for a new loan with us. Additionally, the Texas government doesn’t specify a limit on rollovers.
The reality is that a single payday loan may not be the best option for all applicants. However, our creditor service works with lenders that offer different kinds of short-term loans. Scroll down to read about the top five advance payday loans.
Bad Credit Loans
Irving residents that have a bad credit score are still eligible for instant cash. Plenty of our lenders offer financial help to applicants with bad credit. They usually run a soft check to ensure their protection. Additionally, they’ll likely ask for proof of employment and a stable income.
If you need quick cash and own a car, title loans might be the solution for you. These short-term loans work by you securing your vehicle’s title as collateral. During the repayment term, the lender owns the car, while you can still drive it. After you repay, the ownership is returned.
No Credit Check Loans
Applicants from Irving, Texas that have no credit can still apply. We work with lenders that offer small loans without running a hard credit check. However, they do look over other aspects of the applicant’s financial situation. This includes employment, income source, and bank account standing.
Payday Loans for Unemployed
If you don’t have regular employment, getting a bank loan might be difficult. Our lenders consider alternate revenue sources. This includes government benefits, pension, or retirement. If any of these provide your income, you could be eligible for unemployment. Your chances of getting approved are increased if you have good credit.
Legit Payday Loans
Payday loans in Irving, TX, are completely legal and legit. Moreover, Cash Loans Nearby follows all state and federal regulations. So, borrowing from our lenders is entirely safe and within all applicable laws.
Cashloansnearby in Irving, Texas
- Payday Loans
- Personal Loans
- Installment Loans
ATM Locations in Irving, TX
|Corner Store ATM||101 S MacArthur Blvd, Irving, TX 75060|
|North Lake College ATM (K Building)||N MacArthur Blvd, Irving, TX 75038|
|Corner Store ATM||5401 N MacArthur Blvd, Irving, TX 75038|
|Corner Store ATM||1401 N Belt Line Rd, Irving, TX 75061|
|Corner Store ATM||3950 Valley View Ln, Irving, TX 75062|
|Bank of America ATM (Drive-thru)||110 E John Carpenter Fwy, Irving, TX 75062|
|Cardtronics ATM||Dallas/Fort Worth International Airport, 3200 E Airfield Dr, Dallas, TX 75261|
|Cardtronics ATM||5075 W Northgate Dr, Irving, TX 75062|
|Bank of America ATM (Drive-thru)||7300 N MacArthur Blvd, Irving, TX 75063|
|ATM||3661 N Belt Line Rd, Irving, TX 75062|
|Comerica Bank – ATM||301 W Irving Blvd, Irving, TX 75060|
|Wells Fargo ATM||4835 N OConnor Rd, Irving, TX 75062|
|Bank of America ATM (Drive-thru)||120 S Ohio St, Irving, TX 75060|
|Bank of America ATM||330 W Irving Blvd, Irving, TX 75060|
|Comerica Bank – ATM||1050 W John Carpenter Fwy, Irving, TX 75039|
|ATM Las Colinas Boulevard.||6000 Las Colinas Blvd, Irving, TX 75039|
|Wells Fargo ATM||1050 Market Pl Blvd, Irving, TX 75063|
|Bank of America ATM (Drive-thru)||5400 N MacArthur Blvd, Irving, TX 75038|
|Bank of America ATM||2706 W Irving Blvd, Irving, TX 75061|
|ATM||520 W 6th St, Irving, TX 75060|
|ATM||7201 Valley View Ln, Irving, TX 75039|
|Bank of America ATM (Drive-thru)||3662 N Belt Line Rd, Irving, TX 75062|
|ATM (Amegy Bank)||8665 Cypress Waters Blvd, Irving, TX 75063|
|Cardtronics ATM||5420 N MacArthur Blvd, Irving, TX 75038|
|Cardtronics ATM||3225 W Airport Fwy Suite 100, Irving, TX 75062|
|Comerica Bank – ATM||4901 N Belt Line Rd, Irving, TX 75038|
|PNC Bank ATM||1901 East, TX-356, Irving, TX 75060|