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Online payday loans: Texas

Apply now to see if you qualify for a same day loan with one of our trusted and secure lenders.

Need fast cash? We have payday loan
options to help you get ahead in minutes.
APR Rates starting at 5.99% up to 35.99%.

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You can get a loan between $100 and $1,000. Payday loans are perfect for unexpected expenses. Best of all, there’s no credit check.

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Instant funding is available with eligible debit card.

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Why choose FlexPayday?

One Simple Application

Fill it out anytime, anywhere in just a few minutes.

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We’ll connect you with the best online payday lenders.

Fast Cash

Funds are deposited into your account the same day you apply.*

Is a Texas online payday loan right for you?

Do you need fast cash?

Do you want the flexibility to spend the cash as you see fit?

Do you want a quick application process that requires no-credit check?

If you answered yes to any of these questions, an online payday loan is the perfect choice. The application only takes a few minutes, you’ll get a decision instantly, and you might even qualify for a same day loan.* Unlike a traditional loan, like a car loan or mortgage, the funds you get with an online payday loan can be spent as you see fit. Best of all, there’s no credit check!

If approved by a payday lender, you’ll be informed of the rates and terms as well as the fixed interest rate and due date. You will receive your loan up front. From there, you’ll be required to pay back the money with interest either at your next payday, or in regular monthly payments to your lender.

What are the loan fees?

Our online payday loan application is entirely free. Once you fill out your application, we’ll connect you with our most-trusted lenders. Each lender has their own fees or set interest rate. Our lenders’ fees range between 5.99% and 35.99% APR. Before you sign any loan agreement, your lender will provide you with a full disclosure of the terms and agreements for the loan. We recommend reading through the terms and agreements fully before signing. 

What is “Annual Percentage Rate” – APR?

The Annual Percentage Rate, or APR, is the amount charged for borrowing a loan. It is written as a percentage and represents the loan costs in regard to a year. Different lenders have different fees. Costs can depend on interest, transaction, late penalties, and more. In order to standardize the cost of a loan, we look at APR. That provides you with a bottom-line number that allows you to compare rates charged by other lenders. Costs can depend on lender, loan amount, loan term, and other variables. If you have questions about costs, the best solution is to contact the lender you are connected with? They can provide you with the specific details of your loan agreement.

Representative Examples of APR, Total Loan Costs & Fee

Loan Amount $1,000 $2,000 $2,500 $5,000
Interest Rate 24.00% 19.00% 16.00% 13.00%
Loan Term 12 months 24 months 36 months 48 months
Fee 3.00% 5.00% 10.00% 12.00%
Monthly Payment $94.56 $100.82 $87.89 $131.67
APR 29.82% 24.12% 22.93% 18.23%
Total Payments $1,134.72 $2,419.68 $3,164.13 $6,320.12
Total Cost $164.72 $519.68 $914.13 $1,920.12

*Scroll to view additional rates


Frequently Asked Questions.
Answering your common questions about online payday loans

*How do I qualify for a same day loan?

Applicants must be approved for a loan by a payday lender that provides same day loan options. In addition, the approved applicant must have a valid debit card on their account. 

How do I repay my Texas online payday loan?

Ultimately, every lender has their own unique repayment process. There are a couple ways you can find this information. Before receiving your funds, you’ll have to sign a loan agreement with your matched lender. The loan agreement will include information on costs, as well as repayment terms. Be sure to read your agreement thoroughly before signing. You can refer back to your loan agreement for the exact repayment process and due date at any time. If you have questions beyond your agreement, we suggest reaching out to your matched lender for the most accurate information.

What happens if I miss a payment?

Traditionally, individuals that miss a payment may receive a penalty or late fee. In order to avoid these fees, we recommend setting yourself a reminder of when your loan is due. The penalty or fee differs from lender to lender. We recommend contacting your connected lender to learn more about their exact penalty or fee.

What is your approval process?

For starters, we do not check credit. Your credit score will not impact your loan decision. Beyond that, each lender has different requirements for their loans. There are still some requirements that are the same across the board.

  1.       Do you have a bank account in your name that has been open and active for at least 30 days?
  2.       Are you at least 18 years old or older?
  3.       Do you live in a location our lenders are licensed to operate?

If you answered yes to these questions, you should APPLY NOW.