Houston Cash Services
Payday loans and cash advances in Houston, TX.

An Honest payday loan lender? Is there such a thing? At Houston Cash Services, we try to be honest in everything we do. We provide you access to the best in Houston are cash advances but we also advise you about all of the risks of payday loans. A payday loan is not for everyone and we want you to go into the transaction as an informed consumer. If you know that a payday loan is for you, go ahead and apply online now for a competitive loan.

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Not sure if this type of loan is for you? Keep reading so that you can make the right choice.

Pros Of Payday Loans

Payday loans have a number of positives that make them superior to other loan types. Here are a few of the main points that make a payday loan the right choice.

  • You can be approved with bad credit.
    Even with less than perfect credit, you can be approved. This is probably one of the main reasons that you are considering a payday loan. You probably find yourself locked out of more traditional bank financing.
  • The application is short and fast.
    No lengthy forms to complete and documents to provide. It just takes minutes to complete a short forma and see if you are approved.
  • The loans fund quickly.
    You can get your money as soon as the next day. A bank will take days or even weeks to get you the money, if they even get you approved.

Cons Of Payday Loans

We are always honest in the fact that Houston payday loans have some negatives. Here are some of the negative aspects of these loans that you should think about.

  • The fees are very high.
    Because these loans are high risk, they come with some high fees. The fees are usually a set amount per hundred dollars borrowed. When expressed as traditional interest rates, the rate is in the hundreds.
  • The loan is to be paid back quickly.
    These are not meant to be long term loans. Most will be due to be paid back within two weeks. This may not give you enough time to get your finances in order.
  • Your lender will have the ability to draw money from your bank account.
    Your lender will pull the payment out of your bank account when it is due. You give them this ability when you agree to the loan terms.

When deciding on whether or not to take out a payday loan or cash advance in Houston, be sure to take all of these pros and cons into account. Consider everything and then make the right call.

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