Payday FAQ

What is required to get a Payday Loan in the Store?

  • Verifiable, consistent source of income (pay stub).
  • Must be 18 years old with a valid ID
  • An open checking account.
  • A resident of the state you are applying in, even if you apply online.

What is required to get a Payday Loan online?

  • You must be a resident in the State of Texas.
  • You must have a reliable source of income.
  • You must have a checking or savings account with direct deposit.
  • You must have a minimum net income of at least $500 a month.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must be able to be contacted by phone.
  • You must be at least 18 years old.

How much money can I get?

  • The amount of money you can apply for varies from state to state. The amount of your loan will be based on a third party’s underwriting criteria as well as your income.

Is the amount I can borrow based on my credit?

  • No, we do not use your credit ratings when determining the loan amount.

What fees are associated to the loan?

  • The fees vary from state to state. Please contact us for further information.

Can I refinance my Payday loan?

  • The ability to refinance your loan may be subject to state laws, but it is available where applicable.

How do I refinance a Payday loan?

  • If applicable you may refinance a loan by paying the interest and or fees. Your new loan will then pay off the previous loan which will then be due on your next pay date.

I’m in the military, Can I get an advance?

  • First Cash does not have a credit service product to offer that meets the requirements of the Federal Law for members of the military.

All loans offered in the state of Texas are provided by a third-party lender

What is required to get a Payday Loan in the Store?

  • Verifiable, consistent source of income (pay stub).
  • Must be 18 years old with a valid ID
  • An open checking account.
  • A resident of the state you are applying in, even if you apply online.

What is required to get a Payday Loan online?

  • You must be a resident in the State of Texas.
  • You must have a reliable source of income.
  • You must have a checking or savings account with direct deposit.
  • You must have a minimum net income of at least $500 a month.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must be able to be contacted by phone.
  • You must be at least 18 years old.

How much money can I get?

  • The amount of money you can apply for varies from state to state. The amount of your loan will be based on a third party’s underwriting criteria as well as your income.

Is the amount I can borrow based on my credit?

  • No, we do not use your credit ratings when determining the loan amount.

What fees are associated to the loan?

  • The fees vary from state to state. Please contact us for further information.

Can I refinance my Payday loan?

  • The ability to refinance your loan may be subject to state laws, but it is available where applicable.

How do I refinance a Payday loan?

  • If applicable you may refinance a loan by paying the interest and or fees. Your new loan will then pay off the previous loan which will then be due on your next pay date.

I’m in the military, Can I get an advance?

  • First Cash does not have a credit service product to offer that meets the requirements of the Federal Law for members of the military.

All loans offered in the state of Texas are provided by a third-party lender