Eligibility Criteria for Texas Payday Loans

All requests are submitted to lenders for review and possible approval. Reasons for denial vary by lender and are not in the control of CashOne. Do not contact us for reasons for denial as we are unable to provide these. If approved, ask your lender any questions you may have about your terms and conditions. You are not obligated to accept any loan offered to you. CashOne is not a lender.

What documents do I need for requesting payday loans in Texas?

When requesting for a payday loan in Houston or any other cities of Texas, you need the following documents:

recent paycheck stub(s), proof of employment

VOID personal check, if available, and an active bank account

current utility bill or similar bill with your name and address

valid state issued driver's license or identification card

Lenders for Online Payday Loans in Texas

We are serving all Texans and Can Service Your Needs

CashOne is a reliable, safe place for Texans to get emergency cash when they need it. With over 10 years’ experience and more than 500,000 applications processed, you know you can trust us to help you. Poor or bad credit? We can help, and we don’t do credit checks. We know that most applicants have poor credit, so this is not a concern. What is most important is that you have some form of steady income, which may include social security, disability, or other income.

How do we process your loan requests in Houston, TX?

Simple, we use encryption technology to safely transfer your data to us and electronically review it in seconds. If approved, you are notified immediately, usually in 10-60 seconds. There is no safer and faster way to get payday loans in Houston, TX.

You do have to meet some basic qualifications:

You must have a bank account in your name

You must be at least 18 years old

You must live in Texas

You must be a permanent resident or citizen and have a valid ID

You will need to provide a valid email and phone number (cell is fine)

Why is selecting a lender for payday loans, important in Texas?

State-licensed lenders in Texas service your loan from application to repayment. This keeps your information safe and secure. Keeping your loan in the Lone Star state is the best way to do business.

What if we can’t help you? We will refer you to our large group of affiliated lenders to increase your chances for approval. In fact, we are able to help 80%+ of all loan seekers, as not everyone is approved. But if we do refer your application, only 1 lender (who wants to loan money to you) will contact you. That way, whether we help you or another lender does, you will only speak with one (1) lender.

Texas loan agreements are governed by the applicable laws of the state of Texas. Typical online payday loans with Texas licensed lenders, if approved, are deposited directly into your bank account and withdrawn on your due date. Texas licensed, payday lenders cannot file criminal charges if you default on your loan, but there may be additional charges if you do default.

So we highly recommend only getting an online payday loan with Texas licensed lenders if you can afford the loan fee and can pay it back on time as additional late fees can add up and make your financial situation more difficult. However, do not be afraid to seek out budget help if you need it. Many local communities and agencies provide free advice and assistance to help you manage your finances better and get out of debt.

Loan Terms in Houston and other Texas cities

The maximum loan amount for first time borrowers is $500 and for repeat customers can go as high as $1,500. You may pay your loan in full at any given time and will be given a courtesy email when a payment is due. Assuming you do not contact us prior to a due date your loan is set to refinance automatically meaning only the fees will be debited and your loan principal will be rolled over to your next pay day. After 4 re-finances have been made your loan will be debited in full on the 5th payment.

Note that your first payment will be due on your next pay date that falls between 8 to 35 days away (e.g. if your upcoming payday is in 6 days your loan will be due on the next payday two weeks after). If your salary date falls outside of these ranges, your loan will be due within 14 days. You have the right to rescind your loan within 3 days of signing your loan contracts.

Loan Repayments - 3 repayment options:

You have the right to repay your loan in full at any time (on your due date or before), without early payment penalties.

You have the right to make partial principal payments.

You may request loan changes by contacting your lender directly.

Texas Payday Loan FAQs

How many payday loans can I have in Texas? In the State of Texas you are not allowed to receive loans for more than a total of $1,800. You can take out multiple loans as long as the total balance of your loans is less than $1,800. What happens if I default on a Texas payday loan? If you default on your loan the lender may refer you to a collection agency. The lender can pursue a judgment against you or force you into bankruptcy through a civil action but cannot pursue a criminal action against you. Can payday loan lenders garnish your wages in Houston, TX? Payday lenders rarely try to garnish your wages. A payday lender or collection firm can only garnish your wages if they have a court order resulting from a lawsuit against you. Be aware that some collection companies have threatened garnishment in order to get borrowers to pay, even though they do not have a court order or judgment, which is required. Why should I use CashOne for online payday loans in Texas? A trusted name for many years, CashOne is a leader in providing a large network of licensed lenders who wish to provide loans to consumers. This saves you time and money driving around to storefronts and improves your odds of approval. With over 120 payday lenders in all over US you know you will have a better chance for loan approval. In Texas, CashOne affiliates with licensed lenders. Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. We have been in this business for over a decade and know how to get money to people when they need it most. Save drive time and gas expense and use our easy and fast online portal. We are ready to serve you!

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