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Getting Payday Loans in Texas

What is a Payday Loan?  

A payday loan or payday advance is a small financial loan; typically up to $1000, that can be used to help resolve short term financial emergencies. Payday loans can be an excellent short term source of emergency funds, but the loan needs to be repaid when you get your next paycheck.  The loan payment date will be clearly spelled out in the signed loan agreement.  

What is the APR?

We are not the lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. The terms of the loan will be clearly spelled out in your loan agreement, please review the loan agreement and related documents before signing.  If you do not find the terms of the loan acceptable, you can refuse to sign the loan agreement.  You are under no obligation until you sign the loan agreement. Ask your lender for their current rates and charges and their policies for non-payment.

Our lenders may offer you a loan with an APR between: 200% and 2281%. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.  

What if I don't pay (implication of non & late payment)?

If you do not pay your loan according to its terms, your lender may: 
-Charge you late fees
-Send your account to a collection agency
-Report your information to a consumer reporting agency, which may negatively affect your credit score
-Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest

More on payday loans in Texas

There are many companies that offer payday loans in Texas, so it should not be hard to find a lender that is willing to provide the money needed.  In fact, Texas has no limits on how much one is able to borrow, so a person can take out a payday loan for as much money as the lender is willing to grant.  However, a wise individual will carefully assess his or her finances and only borrow as much as is absolutely necessary.  Bridge Payday Loan is a leader when it comes to providing Texas payday advances.

Those who do need some extra money should start by finding a reliable lender. Contact a number of payday loans companies and see how much the lender charges in interest and what the repayment terms and conditions are.  Interest rates vary from company to company; these also depend on how much money one is borrowing, when the money is to be paid back, etc.

Payday Loans Online

Applying for a loan online is the simplest and easiest way to get a payday loan.  A person can fill out the application form online and send it in to the website with little to no problem.  Most internet based lenders review applications almost immediately and in fact have a high application approval rate. 

Once the application has been approved and the loan agreement is electronically signed, the money is transferred to one's bank account.  One can then spend the money as he or she sees fit. T he money should be repaid by the time specified by the lender's contract. 

Pitfalls to Watch out For

There are some pitfalls to watch out for when taking out a payday loan.  First of all, one should make sure the online lending company is bona fide.  Secondly, one should read the terms and conditions carefully before taking out a payday loan. 

While a person should strive to live within his or her means, unexpected expenses may require that one take out a payday loan.  Thankfully, there are numerous good payday lenders in the state of Texas and many of them have an online website where one can submit an application form without having to set foot outside the house.  However, a wise individual will choose a payday lender carefully and be sure to read all the terms and conditions set forth on the site.  Doing so will ensure that one is able to pay back the loan with no problems.