Payday Loans in Texas with Capital Pacific Loans

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When you have access to the right payday loans in Texas, emergencies won’t have to pin you down financially.Payday loans can bail you out of sudden expenses, bills, and emergencies. Besides, they are a quicker and surer alternative when your bank turns down your loan request or takes unnecessary time to process your application.

Gain unrestricted access to your payday loans in Texas. You can borrow as low as $100 and as much as $1000+ whether you’re in Houston, Edinburg, Dallas, Austin, or any other city in Texas. Capital Pacific Loans is here to help you access your dream payday loan. Sign up with us to access your payday loan at a great rate.

Why Do You Need a Payday Loan in Texas?

Payday loans have quickly become a viable option for quick cash in the current US economy. An estimate has shown that 24.2 million (18.7%) were underbanked among US households, meaning they had bank accounts but used other financial service options such as payday loans. So, you can acquire a payday loan to complement your income and crush your goals.

Reasons You May Want to Get a Payday Loan in Texas

Funds To Pay Your Bills

It’s never a good situation to be short of or completely out of cash in the face of accumulating bills. However, with Capital Pacific Loans, there’s an escape route. You can get hold of a fast payday loan to support you to cover your bills and be relieved again. As such, you can be more productive at work and repay as you earn.

Your Bank Doesn’t Provide You a Loan

It’s normal for banks to turn down your loan application when you don’t have a good credit score. Has your application been turned down? Not to worry! You can ditch the strict bank loan process and get the funds you need as fast as the next business day.

Capital Pacific Loans is here to help you acquire an affordable loan to cater to your financial needs. You can get a fast loan right from your internet-connected phone or computer instead of hustling to build your credit score to get a bank loan.

You Have an Emergency Situation

Emergencies can happen to anyone, but the important thing is that they shouldn’t have to drain you when you’re financially incapable of settling them. A payday loan can be a quick fix! Medical emergencies are some of the most common cases, as there were about 130 million emergency department visits in the US as of 2018. Whether you have lost a loved one or don’t have enough savings to settle a medical emergency, you can always take a short-term loan to support yourself.

You Don’t Want To Borrow From Family and Friends.

A payday loan is an excellent option if you don’t want to borrow cash from your family or friends. With a payday loan in the state of Texas, you can get the money you need from a lender who doesn’t know you personally and maintain your privacy.

Why Get Your Payday Loans in Texas Through Capital Pacific Loans?

You mustn’t break a sweat to find payday loans in Texas. Capital Pacific Loans links you to mouthwatering payday loans that fit your taste. It makes no difference whether you’re looking to borrow $50 or $20,000 over a week or six months; we want to give you a hand! Search no more because we are here to help save you all that stress.

Here’s Why You Should Get Your Texas Payday Loans at Capital Pacific Loans

You benefit so much by letting us find you the perfect lender to provide you with a payday loan. Here are some of the things you’d enjoy by getting a loan at Capital Pacific Loans:

Connect To Choice Loans

We link you to genuine lenders around Texas who are ready and itching to provide you with your desired loan. Yes, we serve you to get payday loans with great rates that align with your budget.

Simple and Easy Application

We save you the time and energy of queueing up in the bank or filling long forms to get a loan. We save you the hassle of waiting and building a perfect credit score to get loan access. That explains why our forms are easy to complete.

Get Funds On Time

Your time is gold, and we want your funds to get to you when you need them. At Capital Pacific Loans, we connect you to an available lender who’ll process your request quickly and send your funds to your registered bank account as fast as one working day.

Access Your Loans On-the-Go

Our online loan application makes all the difference! It means you can apply for a loan wherever you are, whether you’re in the cab, at home, or in the office. You need an internet-connected smartphone or computer to apply, after which you get your money once approved.

Explicit Agreements

Capital Pacific Loans ensures that you understand every step of the process, including the terms and conditions and every cent you’re charged. The goal is your utmost satisfaction with our service because we only succeed when you succeed and have your loan needs met.

Indifferent To Your Credit History

You don’t need to have a perfect credit history before we link you to the right payday loan lender. You have access to a payday loan whether you have a great, average, or bad credit score because lenders check your ability to pay, not your credit score. We operate an open-arms policy, and you’re very welcome to come and get access to your desired payday loan.

Trusted Lenders

We provide you with trusted and dedicated lenders who are passionate about protecting your information and maintaining the integrity of your transactions. As such, you have absolutely nothing to fear while getting a Texas payday loan through Capital Pacific Loans.

Costs and Regulations of Accessing Payday Loans in Texas

Here is a brief outline of some fees and regulations you must know to secure payday loans in Texas:

  1. Loan Limit: There’s currently no fixed maximum loan amount for the state of Texas
  2. Highest APR: No maximum APR or interest rate. In other words, APR could exceed 400%
  3. Loan Term: There’s a minimum loan term of 7 days and a maximum loan term of 180 days or six months.
  4. Finance Charges: Below is a breakdown of Texas payday loan finance charges
  • A cash advance below $30 attracts an acquisition charge no greater than $1 per $5 of the cash advance
  • A cash advance from $30 to $100 attracts:
  • an acquisition charge not above one-tenth of the cash advance amount and installment account handling charge, no more than:
  • $3 per month for cash advance not more than $35
  • $3.5 per month for cash advance above $35 but not beyond $70; or
  • $4 per month for cash advance greater than $70
  • A cash advance greater than $100 attracts:
  • an acquisition charge not above $10 and an installment account handling charge not greater than the ratio of $4 a month per $100 of the cash advance.

You can check out Chapter 342 of the Texas Finance code to learn more.

Requirements To Apply for a Payday Loan in Texas

  • A valid phone number and email are necessary so that we can keep in touch with you.
  • You must be at least 18 years old, as it’s legally prohibited to lend funds to someone below 18 years.
  • You must be a legal resident in Texas. During your application for a payday loan in Texas, you’d be required to provide your legal contact address to qualify for a payday loan.
  • You must have a stable source of income that pays you at least $250 per week. Like that, we can trust you to repay your loan.
  • You should own a valid bank account. A valid bank account is where we will send your funds once the application is approved.
  • You must not be bankrupt while applying for a payday loan.

We require some of your personal information to process your loan request. These pieces of information may include your name, SSN, and contact address, which are important to link you to a suitable and relevant lender. After entering your personal details, you can fill in the amount you want to borrow, which you’d receive once approved.

You deserve a quick loan source when you need money urgently. Capital Pacific Loans is here to save you endless hours of searching the internet for trusted and affordable payday loans. Sign up with us today and get your payday loan right into your preferred bank account.

Where Can I Find a Payday Loan in Texas?

At Capital Pacific Loans, we have an arsenal of payday loan providers in Texas with the right payday loan plans tailor-made to solve your needs. With our vast partnership with loan providers and companies, we guarantee you some of the best payday loan rates available in the US.

Capital Pacific Loans is a loan connection service that helps match your payday loan requirement to the right lender. Like that, you can instantly get your payday loan deal from an available lender at a good rate. So whether you’re looking for payday loans in Edinburg, Austin, Dallas, Arlington, or any other city in Texas, we’re your best payday loan service. Capital Pacific Loans has got your back!