Thanks for visiting Lone Star Cash Services. We put Rockwall consumers in touch with the money that they need to deal with the unexpected. Take a minute to familiarize yourself with the products available to you. When you are ready, go ahead and submit your application.
Also called Cash Advances, these are designed to be short term loans to get you through until your next payday, thus the name. You apply for the loan and then money will be deposited directly into your bank account, generally on the next business day. You can use this money to pay for a surprise auto repair, to pay the dentist or just to make sure that rent is on time. Lenders will charge you a set fee based on the amount of money that you borrow. The APR is high for these loans because of the short term but the fees are often lower than bank overdraft or late fees that you would otherwise be charged. To qualify, you will need a verifiable income, a checking account, social security number and you need to be a legal adult.
If you need to borrow more money and your credit is a bit better, you may qualify for an installment loan. These loans are usually in excess of $1000 and will have longer payback terms. To qualify, you will need to have all of the above requirements and possible a bit better credit.
- What are the fees that are going to be charged?
Fees depend on the lender and the amount that you borrow. They will be disclosed to you before you commit to the loan. If in doubt about the actual fees, ask for clarification before you sign anything.
- Can I get an extension if I need more time to pay?
Yes, most lenders are willing to extend the terms of your loan. Keep in mind that this may require additional fees. Try to avoid needing an extension by taking out only what you need.
- My credit is less than perfect, is this going to be okay?
Cash advances are meant to help those who can not qualify for other types of funding. If you have poor or even bad credit, you will probably still qualify as long as you meet the rest of the requirements.
- What is the approval process like? I need my money now.
The approval process is very fast. You will almost always know the decision within minutes of completing your application. Funding is also fast with most lenders depositing to your checking account on the next business day.
- Tomorrow is a holiday, can I still get my money?
If it is a bank holiday, you will not receive your money until the first business day after the holiday. So, if you apply on a Friday and Monday is a holiday, your loan will not be funded until Tuesday.
Lone Star Cash Services
Rockwall, TX 75087