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

Payday loans in Longview, Texas

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Know the laws in Longview to prepare yourself before taking on a short-term loan.

Payday lending can be complicated, so when you’re in need, take a moment to review the ordinances set by Longview to protect you from predatory lenders. And when you’re ready to borrow, consider both your online and in-store options to get started.

CashNetUSA Loan

For fast cash: CashNetUSA

Get a payday loan, installment loan or line of credit, depending on state availability.

  • Loan Amount: Varies by state
  • Turnaround Time: 1 business day
  • 15% off initial loan fee on payday loans or brokered loans
  • Quick application, no collateral needed
  • Bad credit is OK

    How are payday loans regulated in Longview, Texas?

    Payday loans are regulated under a number of financial codes throughout Texas and a set of ordinances specific to Longview. Because of the regulations, you’re unlikely to borrow directly from a lender, but rather go through a Credit Access Business (CAB).

    Longview’s local ordinances require CABs to register every year with the Longview police department, maintain a record of all transactions, verify borrowers’ income, display a Certificate of Registration and provide borrowers with nonprofit agencies.

    As far as the loan you borrow, you can only borrow up to 20% of your gross income. Your term may be no shorter than seven day. And if you’re unable to repay on the due date, you can refinance up to three times after you’ve paid off at least 25% of the original loan amount.

    Consider these lenders for a payday loan in Longview, Texas

    Rates last updated February 23rd, 2019
    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 Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    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.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    ACE Cash Express Short-term 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
    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.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    Compare up to 4 providers

    Why a payday 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.

    How to apply for a payday loan

    You can find payday loan stores throughout the Longview area, and there are also multiple lenders that work online. If you want to complete an online application, follow these steps:

    1. Compare your payday loan options in the table above and click Go to Site when you’re ready to apply.
    2. Fill out your application with details about yourself, including your Social Security number and bank account details.
    3. Provide information about your employment status and income. You may have to send proof to your lender.
    4. Submit your application and wait for an approval notification. It may take a day or two to fully process your application.

    To be eligible, you’ll have to meet a few basic requirements:

    • You must have a steady source of income
    • You must be a US citizen or permanent resident
    • You must be at least 18 years old

    A map of payday loan locations in Longview, Texas

    Where to find payday loans in Longview, Texas

    Here are loan offices locations in Longview:

    • 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

    What are my other short-term loan options?

    Because Texas has very few regulations when it comes to short-term loans, you’ll also be able to borrow installment loans and auto title loans when you live in Longview.

    You may also want to
    consider a personal loan if you’re looking to improve your credit and have a steady source of income.

    Bottom line

    If you live in Longview, Texas and are looking for a payday loan, it makes sense to know the regulations of Texas before you borrow. Make sure your lender follows the ordinances listed above, and always consider your payday loan alternatives in addition to a short-term loan.

    Frequently asked questions

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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    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.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

    Go to site