How to find a short term loan in Longview, Texas | finder.com

Short term loans in Longview, Texas

Do you know all of the laws surrounding short term loans in Longview? Prepare yourself before taking on a heavily-regulated loan

Short term lending can be complicated, and when you’re in need of financial help, it could be what you need. Get the information you need by taking a look at the guide below.

Are payday loans legal in Longview?

Yes. Payday loans are legal in all of Texas. Financial Code Ann. §341.001, §342.007 and §342.008, §342.251 et seq., §342.601 et seq., §393.221 et seq. and §292.604 et seq., as well as §83.6004 and §83.1001 et seq. all govern short term lending in and outside of Longview. Lenders who operate in store, online and over the phone all must abide by these laws.

If you need to file a complaint about a lender, you can do so with the Texas Office of Consumer Credit Commissioner.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure

    Consider these lenders for a short term loan in Longview

    Check out these short term lenders to see if they operate in your state.

    Rates last updated April 22nd, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    Varies by state
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    3 to 36 months
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers


    Why a short term loan in Longview might work for you

    • Easy application. Applications can take as little as five minutes, and you can get a decision shortly thereafter.
    • Get cash fast. If you apply and are approved in store, you can walk out with your cash same-day. It typically takes one business day to transfer your funds via ACH if you apply online.
    • Poor credit accepted. Most short term lenders focus more on your current financial situation, rather than your credit score. As long as you meet other eligibility criteria, it’s likely that poor credit won’t impact their decision.

    Is there any protection when you take out a short term loan in Longview?

    • Rollover. You can refinance your loan up to three times so long as you’ve paid off at least 25% of the original amount.
    • Loan amount. Any short term loan must not be over 20% of your gross income.
    • Loan term. Terms may be no shorter than seven days.

    Here's how much a payday loan might cost in Longview

    Elizabeth’s air conditioner broke down in the dead of summer, and since she had just paid her bills for the month she couldn’t afford to fix it with. Because Elizabeth couldn’t secure a personal loan, she opted to apply for a short term loan.

    She went into a short term loan office and applied for a $350 loan, which would be due in two weeks on her next payday. Before she took the loan, the lender made sure Elizabeth understood that there would be a fee of $89.17.

    When her next payday rolled around, Elizabeth had the full amount deducted from her checking account. The payment was made automatically, so she had to make sure she budgeted around it.

    Had she missed the payment, it would have cost a fee of $35. If the payment bounced, she would have received a non-sufficient funds (NSF) fee of $30.

    Need to apply for a short term loan in Longview? Here’s how

    Before you apply, there are some basic eligibility requirements you will have to meet:

    • At least 18 years old
    • American citizen or a permanent resident of the US
    • Steady source of income
    • Checking account for online applicants

    In order to complete the application successfully, you’ll have to provide some personal information:

    • Your name, home address, email address and phone number
    • Your date of birth, social security number and an acceptable form of ID
    • Your employer’s name, address and phone number
    • Details about your income
    • If applying online, your checking account details

    Short term loans near you in Longview, Texas

    Short term loan offices near you in Longview

    Here are loan offices locations in Longview:

    • ACE Cash Express. 215 S High St, Longview, TX 75601
    • Advance America. 1745 NW Loop 281, Longview, TX 75604
    • Cash Store. 100 E Marshall Ave, Longview, TX 75601
    • CashMax Title & Loan. 508 E Loop 281, Longview, TX 75605
    • Check ‘n Go. 516 E Loop 281, Longview, TX 75605
    • Community Loans of America, Inc. 1421 W Loop 281 # C, Longview, TX 75604
    • Covington Credit. 308 TX-63 Spur, Longview, TX 75601
    • Rapid Payday & Title Loans. 1614 Judson Rd, Longview, TX 75601
    • Texas Star Title & Loans. 2199 Gilmer Rd, Longview, TX 75604
    • Western-Shamrock Finance. 306 TX-63 Spur, Longview, TX 75601

    Where else are payday loans available?

    Image: Wikimedia Commons

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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