Payday Loans in Plano, Texas

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Payday Loan Companies in Plano, TX

Company nameAddressZip codePhone number
ACE Cash Express 1500 N Central Expy 75074 +1 (972) 423 - 7889
Affirm Home Loans 5052 Tennyson Pkwy 200 75024 +1 (214) 291 - 5116
AIG Commercial Equipment Finance 5700 Granite Pkwy 850 75024 +1 (972) 987 - 3777
B3 Cash Solutions 601 W Parker Rd 115 75023 +1 (972) 422 - 9832
Capital Source Finance LLC 5800 Granite Pkwy 310 75024 +1 (214) 619 - 1840
Cash Store 2100 Dallas Pkwy Ste 145 75093 +1 (972) 403 - 7245
Check n Go 3131 Custer Rd Ste 150 75075 +1 (972) 673 - 0998
Huffines Collision Center Plano 1001 Coit Rd Suite 100 75075 +1 (972) 202 - 2400
Loan Ready Program 1255 W 15th St 300 75075 +1 (855) 670 - 4010
Loanstar Title Loans 2727 K Ave 75074 +1 (972) 635 - 8285
North Texas Certified Development 1255 W 15th St 500 75075 +1 (972) 516 - 0514
Oportun 1120 E Parker Rd 75074 +1 (972) 865 - 6144
Payday 24 Now 1409 Shiloh Rd 250 75074 +1 (469) 626 - 9391
PennyMac Loan Services 2201 W Plano Pkwy suite 300 75075 +1 (817) 494 - 0240
PLS Check Cashing Store 3300 K Ave STE 100 75074 +1 (972) 422 - 7434
PLS Insurance 3300 K Ave STE 100 75074 +1 (972) 509 - 5800
Regional Finance 230 W Parker Rd Suite 190 75075 +1 (214) 501 - 5090
Sun Loan Company 1110 E Parker Rd Ste 105 75074 +1 (469) 573 - 7134
TitleMax Title Loans 1921 W 15th St Suite 400 75075 +1 (972) 295 - 7272
World Finance 230 W Parker Rd Ste 180B 75075 +1 (972) 423 - 5285

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Plano, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Port Arthur, TX, Payday Loans in Richardson, TX, Payday Loans in Rockwall, TX, Payday Loans in Rosenberg, TX, No Credit Check Loans in Round Rock, TX, Payday Loans in Rowlett, TX, Payday Loans in San Angelo, TX and Online Loans in San Antonio, TX. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Plano, TX.

Payday Loans Available in Plano, TX By The Following ZIP Codes:

75075, 75094, 75074, 75024, 75093, 75086, 75026, 75025, 75023, 76025

Are Payday Loans Legal In Plano, Texas?

Loan Rates and Fees, Laws and Regulations in Texas.

Texas Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)662
Maximum Loan AmountNot Specified
Minimum Loan Term7 days
Maximum Loan TermVaries
Number of Rollovers Allowed0
Finance Charges>$30 => $1 for each $5 [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35) [$35 – $70] => $3.50/mo + $4/mo (>$70) >$100 => $10 + $4/mo for each $100

Plano, TX payday loan calculator

Payday loans have been around for a long time, but the industry has exploded in the past few years. With more and more people needing quick cash, there is no sign that this trend will slow down anytime soon. However, many people still have misconceptions about payday loans and their process.

Payday loans are not for everybody. If you have bad credit, the loan providers may be reluctant to give you a loan, or you will be charged an extreme amount in interest. Many believe that payday loans are only for people with bad credit, but with careful shopping around, many individuals can find an affordable lender.

Payday loans in Plano, Texas Online 

A payday loan is an amount of money lent from a financial institution with the expectation that when your next paycheck comes, you will pay off the full value of the loan plus interest. Although not all payday loans have a high-interest rate, most do. The loan itself is small, so the interest applied is also small.

The easiest way to get a payday loan is to go to a payday store. By going in person, you can be sure that everything goes smoothly and you get the loan you are looking for within minutes. These stores specialize in lending money quickly and efficiently. However, this method can only be used for the smallest of loans. If you need more money, you will need to research and find the best lender for you.

The other option is to apply for a payday loan online, which does not require any in-person visit. You must complete a simple application and wait for approval with an online payday loan. However, several disadvantages go along with using this service. For one thing, you will pay for the convenience. Online lenders tend to have higher interest rates because of the ease of application. This means you may end up paying more than if you had gone through another lender.

The other disadvantage is that not all lenders approve of everyone. Approval depends on income, credit history, and a few other factors. Some online lenders set a maximum limit on how much they will lend to you.

How to Find a Good Direct Lender in Plano, Texas Online 

It is a fact that people are not the same. Some people are more considerate and less impulsive, while others are more expeditious in making decisions. And it is hard to understand why some people go for payday loans when they know they do not have enough money to pay them off fully within the period when their next paycheck comes. There is a simple reason for this – some people do not know how to manage their finances and make rational decisions when spending money. But if you know what to avoid and how to handle your finances properly, you can prevent many mistakes.

First, you must avoid the common mistake when people are not sure when they will receive their next paycheck. This is why they do not want to borrow money in advance because they cannot repay it immediately. However, there is no need to worry about that because there are payday advance loans available in Plano, Texas, that do not require an enrollment form or security deposit.

You can seek the services of a direct lender in Plano and pay back your loan as per the stipulated time. But you need to know that short-term, or installment, loans are not the best option if you cannot afford to pay them back fully. If you do not have sufficient income to repay these loans, then there is no point in doing so because it will increase your spending on credit cards, leading you to more debt problems if you cannot repay them.

Cash Advance Online in Plano, Texas

You are mistaken if you are under the impression that obtaining a cash advance online is easy. First, you must determine which direct lender solves your credit problems, addresses your budget needs, and fits in with your spending limits. However, if you spend some time doing this research and satisfy all the loan requirements of various lenders in Plano, Texas, the money will be transferred to your checking account promptly.

The next step is how to choose the best direct lender. Here are some tips:

  • Look at the lender’s loan application. It should be straightforward with as few questions as possible. If you have to provide a lot of information about your finances, you will most probably be rejected for certain reasons.
  • Compare the APR. You should know that rates vary from lender to lender, and it is important to pick one with reasonable rates so that you will not incur additional costs due to its high-interest rate.
  • Look at the lender’s qualification criteria. It is important to note that some lenders do not lend money to people with poor credit. If you have a bad credit history and want a cash advance online, you must find out which direct lender does not disapprove applicants on the basis of their past credit score.
  • Read customer reviews online. This is the easiest and least time-consuming way to select a good direct lender in Plano, Texas. 

Outline of Requirements:

  • Plan on being in Plano, Texas, for the next year. 
  • At least 18 years old. 
  • Have an active checking account with a bank near Plano, TX. 
  • Be employed and have two months’ income saved up or have an approved loan from a local credit union. 
  • Pass criminal checks for felonious or violent crimes for at least ten years without violations. Background checks are not required.

You will not be able to find a good direct lender in the first place if you do not get yourself prepared. If you are complete or partially satisfied with your current credit, there is no need to search for one. The information you have collected will help you determine which lenders are best suited for your current situation. You can also check with friends and family who have used these lenders before to find out which one works for them.

Can I Get a Payday Loan for Bad Credit in Plano, Texas?

If you have bad credit, getting a good payday loan in Plano, Texas, will require thorough research. Bad credit is more than a high-interest rate. It is about insufficient money to pay your bills and nothing else. You cannot anyhow back out of your commitment to repay the loan. This being the case, lenders do not have much incentive to lend you money because they know that you might not be able to pay it back on time.

There is a way out. If you cannot find a good, responsible lender in Plano, Texas, you can always get payday loans online. You can get the money you need in a few minutes without requiring you to go through the process of original loan application and endless waiting. There are many lenders out there that offer payday loans without credit checks. If your credit is bad or worse, you can still get money for some urgent needs.

You must ensure that you choose a reputable online lender that will not scam you. If a direct lender in Plano, Texas, offers you a loan without asking for verification, it will do the same for other borrowers. Legitimate online lenders should never ask for advance payment or demand your bank account details. If they show any sign of deception, walk away from them because they are most likely to steal your identity or personal information and use them fraudulently.

Include all the necessary information in your application form. Lenders will check your information and need to know more about you before they can approve your loan request.

You have to consider the following when choosing a direct lender:

  • Check with friends, family members, and associates whether they have used the direct lender’s services. The more positive testimonials you get, the better.
  • Look at the lender’s website. It should indicate thorough information about its services and loan benefits. There is no need to go through the lengthy process of filling out application forms if you do not have to.
  • Check the fees involved in getting a loan from the lender. While most lenders offer slightly higher interest rates than banks’ loans, they should not be excessive.
  • Select a direct lender that is located in Plano, Texas. Texas is home to multiple lenders, and you can get the money you need to survive in no time.

If you have a bad credit record, you need to pay attention to your application form details. It would be best if you did not overlook anything regarding the loan eligibility requirements and other pertinent information. You also may need some extra information on how long the funds will last.

Sometimes, US citizens or residents with credit problems may want to take out payday loans. They are available in different forms, and you can consider them as a last resort. One of the best ways to get money is payday advance or installment loans in Plano, Texas. There are several good options here that you can choose from after evaluating your budget and other financial obligations. In the case of bad credit, arranging with a lender like this could be the solution being sought out.

24-Hour Payday Loans in Plano, Texas

Direct lenders offer you payday loans from $100 to $1000. You can get the money you need in a matter of minutes if you meet the lender’s minimum requirements for loan eligibility. You can get online payday loans of this amount at a reasonable interest rate. Most direct lenders do not verify your credit report and history, so it is possible that even people with poor credit histories can qualify for a loan as long as they have suitable employment records and steady income.

Payday loan approvals are processed very fast, and you will be able to get the money you need within an hour after submitting your online application.

Can you get a payday loan in Plano, Texas, without a bank account?

Generally, it is hard to get a loan when you do not have a bank account or are not eligible for one. But sometimes, lenders and banks agree to lend money based on collateral that provides security and assurance that you will repay the loan.

In the case of online payday loans, customers are required to answer basic questions about their employment history. They must provide their social security number and their monthly income sources. You can also get a payday loan without submitting many documents. Many lenders will require only your recent bank statement, your paystubs, and your proof of address. You can also choose to apply for a secured loan. If you are asked for collateral, you should include something of value with cash value like a car title or vehicle registration, jewelry, or precious metals besides cash. The maximum loan amount is $2500.

Applying for a payday loan in Plano, Texas, is simple as long as you meet the lender’s eligibility criteria and have the required documents. You can be approved for a cash advance minutes after submitting your application. Suppose you have suitable employment records and a steady income. In that case, it is possible to get a short-term financial solution of up to $2500 at a much lower interest rate than online personal loans or any other form of credit.

You can apply for a Plano, Texas payday loan when you need urgent cash. Some direct lenders offer up to $1500 within 24 hours. You can fill out a simple application form and wait until you hear back from the lender. The funds will be transferred to your bank account or deposited in your checking account, offering quick access to money when you need it the most.

FAQ

Are Short-term Loans in Plano, Texas Good?

The money you get from a direct lender can be used for emergency needs. They are available to people 18 years of age and older with proof of income and employment history.
You must pay a small fee for using the service with online payday loans. But there are no hidden fees or other charges that you need to be worried about. All lenders are regulated and registered by the relevant authorities to protect their customers from fraud and identity theft.

What is the Easiest Online Loan in Plano, Texas to Get?


There are a lot of online lenders that you can choose from, but the online payday loan is the easiest. You have to fill out an online application form and wait for a few minutes until you get money into your account.
Many people are unsure when they need to apply for one of these loans, so let’s look at some points related to what you should be looking for in a short-term online loan.

What is the Easiest Loan in Plano, Texas, to Get Approved For?

While the majority of lenders are legitimate, some of them may not be. You should choose a reliable one registered and regulated by the government. You can get approved for a short-term online loan up to $1500.