Irving, TX

Lone Star Cash Services can offer you a fast cash loan quote. If you find yourself in need of a payday loan in Irving, we are the best choice. Just fill out the short loan quote form below and you could have an offer in a matter of minutes. Get started right now.

On a cell phone in Irving getting a loan quote.

If you are unfamiliar with cash loan options, you should take a moment and familiarize yourself with them. Below you will find the basics that you need to know when choosing a loan.

Loan Types

There are two basic emergency loans that you should consider. Payday loans and installment loans. There are of course also title and pawn loans but these are secured loans which means that you would risk losing your property. Let’s look at the unsecured loan options.

Payday Loans

With a payday loan, you can borrow up to $1000. They are easy to qualify for as long as you have a source of income and a checking account. They also fund quickly, as soon as the next business day.

The biggest negative about this type of loan is the short payback term. You have to pay it back the next payday. That gives you little time to get your affairs in order in Irving. This leads many to either extend the loan which costs fees or for them to take out loan after loan. Be careful.

Installment Loans

This is what we try to get you an offer on. We are not lenders but give you access to a network of lenders. More lenders means more chances of an approval, even with bad credit.

The chief benefit to the install loan is that the payments are broken up into smaller chunks. This can have the benefit of making the loan easier to manage. Smaller payments are easier on a budget.

In addition, installment loans can be taken out for more money. If you need more than $1000, this is a better option for you, even with bad credit.

Common Irving Loan Questions

You probably have a lot of questions about loans. If you live in Irving, here are some common questions that people in your area have.

How are payday loans different than install loans?

There are a lot of differences. Some good and some bad. On the good side, payday loans are easy to qualify for. They are often the only credit that some can get. All you need is a job and a checking account to qualify. In addition these loans are approved quickly and they fund quickly as well.

The main negative difference about payday loans is that they have high fees and short terms. Fees are based on the dollar amount of the loan and when you take into account the short loan term, APR’s are sky high. Still, these can be useful if you need money fast and are out of other sources.

How do I get approved for a loan?

It is easy, just apply online using the secure loan application form. You may be able to get your approval in minutes. If you have a job and a checking account, you are well on your way.

How long do I have to pay the loan back?

The length of the loan depends on what type of loan that you take out.

Most payday loans will be due to be repaid in two weeks. This is why they are called payday loans, because they are intended to get you by until your next payday.

Installment loans can be anywhere from weeks to months long. It depends on the amount that you borrow and your lenders.

How much money can I take out?

Once again, this depends on the type of loan that you accept. Payday loans are for under a thousand dollars. Remember that fees are based on the amount borrowed, so take out only what you need.

Installment loans can be for anywhere from $200 to well over $10,000. Once again, only take out what you need to get you through your emergency or to pay for your surprise expense.

Can I get more time to repay my loan?

With a payday loan, you typically can get more time to pay but more fees will apply. Try to avoid this by taking out only what you know you can repay.

Installment loans are designed to give you more time to pay by breaking up your payments into multiple installments. They can give you time to get your finances in order in Irving so that you can get back to normal.

What is the quickest I can get my money?

The next business day is the fastest that a loan will process. That is pretty fast for a loan though. Keep in mind that bank holidays and weekends can greatly impact loan funding.

Your Payday Loan Alternative

A payday loan is not for everyone. If you have a bit better credit, an installment loan might just be the better choice.

This is because with an install loan, you get longer to make payments. This allows for the payments to be broken down into smaller amounts which are much more manageable.

In addition, if you need more money, this is the way to go. Borrow up to $50,000 even with bad credit. Of course, it goes without saying that you should only borrow what you need. The more you borrow, the more interest and fees you will have.

Whichever loan you decide on, be careful. Make sure that the cost of the credit is worth it and that you can afford your loan.

Irving Loan Article
  • Staff Summary


An Irving cash advance or installment loan can help you get through an emergency. If you are considering one, this article can help you make a decision and get a quote.

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