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freedom cash lenders
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https://freedomcashlenders247.com/
Why you may want to consider Figloans: Based in Houston, Figloans offers a payday loan alternative in eight states, including Texas. Fig reports loan payments to the three main credit bureaus, which could help you build credit with on-time payments. That can be a major advantage over a payday loan, since payday lenders don’t typically report your payments to the credit bureaus.
Fig offers two consumer loans: a personal loan and a credit-builder loan. Fig recommends its personal loans for emergency needs. Here are some things to know about Fig’s personal loan, which it refers to as the “Fig Loan.”
High rates — While Fig loans have APRs well into the triple digits and are much more expensive than an average personal loan, they still may be significantly cheaper than many Texas payday loans.
Loan amounts — The company offers personal loan amounts ranging from $300 to $750 if you’re new to its platform, though you may be able to borrow more over time or through one of Fig’s partner lenders.
Repayment terms — Figloans offers loan repayment terms between four and six months — though loan terms may be extended without additional fees and interest.
Eligibility — To be eligible for a Fig loan, you’ll have to meet several criteria, including having a bank account with at least three months’ worth of transactions, at least $1,400 in monthly income and a positive bank account balance. -
freedomcashlenders
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https://freedomcashlenders247.com/
If you live in Texas and need emergency cash, you may be considering a payday loan.
The state of Texas doesn’t cap interest and fees on payday loans — though some local municipalities have stepped in to create regulations. That means you may pay a steep price for taking out a payday loan in the Lone Star State.
The average payday loan interest rate in Texas is more than 660% — one of the highest in the country, according to a 2021 analysis by the Center for Responsible Lending. If you borrow $500 at that rate, you’d have to repay about $627 in 14 days to satisfy the debt.
If you need money for an auto repair or other emergency expense, there are several alternatives to payday loans in Texas — and they may have significantly lower interest rates and longer repayment terms, which could help make the debt more manageable.
We’ve rounded up our top choices and highlighted the features we think you’ll find most useful. Keep reading to see if one might be right for your situation. -
freedomcashlenders.com
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https://freedomcashlenders247.com/
Why you may want to consider MoneyLion: MoneyLion is an app that offers small-dollar loans — up to a maximum amount of $1,000 — that give you a chance to build credit. When you get a credit-builder loan, MoneyLion reports your payments to the three major consumer credit bureaus each month. And you get weekly credit monitoring from TransUnion, so you can see how your payments are affecting your credit scores.
Depending on your finances, you may qualify to receive your full loan amount upfront. Or MoneyLion may give you a portion of the money right away and deposit the rest into an interest-bearing account, which you’ll receive when you pay off the loan.
Fees — To get a credit-builder loan through the MoneyLion app, you must have a Credit Builder Plus membership. The cost of the membership is $19.99 a month, but you can earn rewards to help cover the fee by logging into the app and using a MoneyLion® Visa debit card on purchases over $10.
No credit check — MoneyLion doesn’t review credit history to determine loan eligibility. The company looks at the activity in your primary checking account to decide whether to make you a loan offer.
Interest rate — The annual percentage rate on MoneyLion’s credit-builder loans varies from competitive to high, but even MoneyLion’s highest APR is lower than what you’re likely to pay on a payday loan. And you can repay your loan at any time without incurring a prepayment penalty.
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