If you are in need of a quick loan to handle your emergency cash needs, Houston Cash Services is here to help. We give you access to a network of lenders that is ready to provide you with a fast loan quote. Get started now by filling out the short quote form and see what you can qualify for.
About Houston Payday Loans
You have probably heard this term over and over again, but just what is a payday loan and how hard is it to get. Payday loans are short term loans designed to, like the name implies, get you by until your next payday. They are usually for amounts of less than $1000 and are designed to be repaid on your next paycheck or within two weeks, in most cases. To qualify for one of these loans, you will need a checking account and a source of regular income. Lenders are far more lenient with credit requirements so you can usually qualify for a payday loan or cash advance in Houston even if you have bad credit.
Our Houston Service Area
Because we offer you online access to payday loan quotes, we can help those in a large service area. Fill in our quote form and get your loan quote now if you live in or near Houston, League City, Pasadena, Pearland, Sugarland, The Woodlands. Baytown, Conroe, Deer Park, Friendswood, Galveston, Lake Jackson, La Porte, Missouri City, Rosenberg, Texas City or surrounding areas.
How Do Houston Payday Loans Work?
A payday loan is a short term loan designed to get you through a short term financial problem. It requires minimal credit. Most lenders are simply looking at your ability to repay the loan. Once you apply for a loan and get approved, the money will go directly into your bank account. You can use the money for whatever you need. The loan will be due to be repaid typically in 10 to 14 days and at that time it will be automatically withdrawn from your account by your lender.
Before Accepting A Payday Loan
Payday loans should be used carefully. Before you take out a payday loan in Houston, there are some things that you should know.
1. Interest Rates Are High
Your lender will typically charge you a set fee per hundred dollars borrowed. $15 for example. This means that if you borrow $100, you will have to repay $115. Because the loans are very short, this makes the effective APR very high. Many cases it is in the 400% Range.
2. Loan Terms Are Short
Most loans are due to be repaid within two weeks. You should make sure that you are able to repay the loan in this time period.
How Do You Get Started?
Submit Your Info
First, you fill out the short quote form and submit your information.
Get An Offer
If a lender approves you for loan, you will get an offer. Review the offer, being sure to note all of the terms and conditions of the loan.
Accept Your Offer
If you like the terms of the loan, accept the offer and electronically sign your loan. This is a big decision so be sure that you understand what you are committing to.
Get Your Money
Your lender will deposit your money into your account as soon as the next business day.
Important Houston Loan Information
- Payday loans are designed for short term financial relief, they are not long term financial solutions.
- We are not a direct lender. We offer a free service that matches consumers with lenders willing to offer them a loan. We are compensated by these lenders and the service is always free to you.
- When you fill out a loan quote form on this website, you are authorizing our partners to perform credit check and verification on you. They may share this information with lenders in their network.
- Your lender will provide you with information about rates, fees and terms. You should read this information thoroughly before signing your loan contract.
More About Houston Cash Services
We are not a direct lender but instead offer you access to an extensive lender network. The benefit to this is that if one of our lenders does not approve you, your information moves on to another. This happens securely and automatically until you get approved. With other local Houston lenders, if you get denied, it is all over. You would then have to move on and start fresh with a new lender. It can be frustrating and time consuming going with local lenders. Stick with the network.
Many people think that they need to go to a direct lender. They think that networks inflate the cost of loans. This is not necessarily the case. Every lender has advertising expenses, whether they are finding their leads through a network or simply taking out paid advertisements. These costs, as with any other business are passed on to the consumer. The truth is that payday loans themselves are expensive, no matter how you get one. We can not guarantee you the best rate any more than anyone else can. What we can do, is make it easier for you to get an approval by giving you access to a large lending network serving the Houston area. After you get your approval, it is up to you to review your loan terms and see if they meet your needs.