ASAP Finance helps people across the state get quick financial assistance till their next paycheck. We offer in-store and online payday loans in Texas with no credit check and instant approval, making them ideal for bad credit borrowers who face a financial emergency. Whether you need a short-term loan or a small personal loan, we always have an option for you.
How to Get Texas Payday Loans Online at ASAP Finance?
Our application process only takes 5 minutes. Here are 3 simple steps to follow:
Complete an online application. Enter your personal and financial information on the website and submit the form. It's available 24/7, so you don't need to stick to any operating times.
Get an instant loan decision. Loans from ASAP Finance come with no hard credit check, so you will receive a response in a matter of minutes. If approved, read the terms of your loan agreement and e-sign the contract to accept an offer.
Receive the money. You will get a direct deposit in your bank account as soon as the next business day or faster if you receive approval early in the morning
Texas Payday Loans Rates & Terms
Payday loans in Texas are legal and regulated by Tex. Fin. Code Ann. §§342.251 et seq. The maximum payday loan amount is not specified, but if you borrow money in a city that has passed the unified payday loan ordinance, it can't exceed 20% of your gross monthly income. The repayment terms can be between 7 and 30 days for loans with a single repayment and from 7 to 180 days for multi-payment options.
An average loan APR is typically over 400%. An administrative fee may be charged in an amount of up to $25 for a loan of more than $1,000 or $20 for a loan of $1,000 or less.
What Do You Need to Apply
ASAP Finance only asks for basic documents and information. Here's what you need to prepare upon your application:
- Valid government-issued ID;
- SSN;
- Bank account details;
- Proof of income;
- Proof of address;
- Your employer's contact information.
ASAP Finance in Texas
ASAP Finance offers immediate cash assistance to borrowers in an emergency situation. If you need personalized advice or want someone to help you complete the process, visit one of our physical stores and let us take care of the rest. We have locations in Austin, San Antonio, and Dallas, so you can choose the nearest one to you. Check out the contact details below.
We Serve Texas Residents Online 24/7
We know that life happens, and there's often no time for a personal visit. Therefore, we don't limit you to store operating times. You're welcome to apply online via the website 24/7 in just 5 minutes. Complete our simple application form, get an instant response via email, and access the funds in your bank account within 1 business day. The online application is available to residents of all Texas cities, including but not limited to:
| Kansas City | St. Louis | Springfield |
| Columbia | Independence | Lee's Summit |
| Blue Springs | Saint Charles | Joplin |
| O'Fallon | St. Peters | Florissant |
Turn to ASAP Finance When You Need Fast Help
ASAP Finance has been helping Texas residents get fast and easy financial solutions for over 2 years. We're a trusted company that wants to ensure your smooth borrowing experience and a bright financial future. Here are the advantages that make us stand out:
- Simple application process. Whether you apply online or visit our store, it will only take you 5 minutes to apply. No extensive paperwork is needed;
- Instant approval. You will get a loan decision is just a few minutes, allowing you to get back to your day quickly;
- No credit check. Our loans don't affect your credit score due to no hard pulls performed;
- Available with any credit. We don't rely solely on your FICO rating and use alternative means to assess your overall financial situation when making loan decisions;
- Quick funding. You can get the funds you need in as little as 1 business day, often on the same day;
- Security. We use modern encryption protocols to ensure your data is completely protected.
How to Use Payday Loans to Your Benefit
Payday loans may be a great tool when you need money fast. People often turn to them in emergency situations or when they face unexpected expenses that can't wait till their next paycheck. The most common payday loan purposes include:
- Medical bills;
- Car repairs;
- Home improvement;
- Utilities;
- Groceries;
- Daily needs.
However, it's important to use them wisely and follow several rules regarding responsible borrowing. Keep in mind that payday loans are not meant for your long-term needs due to their short repayment times. Only use them for small, short-term emergencies when other financing options are unavailable.
Don't borrow more than you can comfortably repay and budget for repayment in advance to avoid late or missed payments. Read the terms of your loan agreement carefully before signing and ensure they are reasonable. Don't take out loans if you already experience long-term financial problems, and seek credit counseling instead.
Apply for Installment Loans Online in Texas
If you're looking for more repayment flexibility or need to cover a large purchase, installment loans from ASAP Finance may be a great option. Unlike payday loans, these financial products offer higher loan amounts and provide you with more time to repay the debt. The repayment is made in affordable monthly installments, making these loans much easier to manage. At ASAP Finance, you can borrow up to $5,000 and repay the funds in 2 to 24 months.
Our Products & Services in TX
ASAP Finance offers a full range of financial products designed to meet both your short-term and long-term needs.
Payday Loans
A payday loan allows you to get between $100 and $1,000 and repay the funds in 7 to 30 days. The due date is typically set by your next paycheck. You can get the funds on the same day with any credit, making payday loans perfect for emergency situations.
Installment Loans
Installment loans from ASAP Finance come with amounts of up to $5,000. The repayment is made in equal monthly installments over 2 to 24 months, making them convenient and budget-friendly. These loans can be used to cover long-term needs and large expenses.
Title Loans
Title loans provide secured financing by using your vehicle as collateral. You can get up to 50% of your car's price and keep driving it while it's pledged. The repayment needs to be made in full within up to 30 days.
Check Cashing
Our quick in-store cash checking services allow you to get the funds in minutes with no checking account needed. Just bring your valid ID and walk out with cash in minutes.
Texas Payday Loans Online: FAQ
01
How much can I borrow with online payday loans in Texas?
No credit check payday loans from ASAP Finance come with amounts between $100 and $1,000. The exact sum you can get will be determined based on your income and creditworthiness.
02
How fast will I get my money?
Texas law doesn't specify the maximum short-term loan amount you can get. The sums of payday loans in Texas are usually determined based on a borrower's current monthly income minus their existing payment obligations. At ASAP Finance, we offer payday loans of up to $1,000.
03
How Fast Will I Get a Payday Loan in Texas?
If you apply online, the funds will be transferred to your bank account within 1 business day of approval. Borrowers who apply at a store can get cash on hand immediately.
04
Can I get payday loans online on the same day in Texas?
Same-day deposits are possible if you get approved before 10 AM on weekdays. However, it also depends on your bank's cut-off times.
05
How will I repay my loan?
The repayment is made via an ACH transaction. The funds will be automatically deducted from your bank account on the due date. Alternatively, borrowers who apply at a store can provide a post-dated check.
06
Can I pay off my loan early?
Early repayment is typically possible. However, you should check our loan agreement terms first as prepayment fees may be applied.
07
Can I get a payday loan if I'm not in Texas?
Sure! ASAP Finance operates across the nation, so you're welcome to apply for our loans online from any state. Still, you need to be a resident of the state you apply in if you're going to visit a physical store.
08
What is the difference between online payday loans and installment loans?
Online payday loans are short-term loans designed to help people overcome small financial emergencies. Installment loans are long-term solutions that provide more repayment flexibility and offer higher loan amounts. They allow you to cover the costs of large purchases but also accumulate more interest over the loan life.
09
Can I get online payday loans in Texas with bad credit?
At ASAP Finance, we believe you're more than just your credit score. Therefore, we set no minimum credit score requirements and rely on other factors, including your income and payment history. You're welcome to apply with any credit.
10
Will application affect my credit score?
Loans from ASAP Finance don't affect your credit score as long as you repay them on time. We perform no hard credit checks so neither application nor loan payments will appear on your credit report.
11
How many payday loans can I have in Texas at a time?
Texas laws set no limits on the number of payday loans you can have at a time. Still, we recommend you refrain from borrowing new loans until you repay the previous one to avoid debt cycles.
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