Step One

Complete your details online in less than 5 minutes

Read more: Austin, TX

Step Two

Receive an instant decision with a loan offer and electronically sign the loan agreement

Read more: Austin, TX

Step Three

Subject to further checks, you can receive your funds in 1 or the same day!

Read more: Austin, TX

To apply for payday loans with Pheabs, start by clicking on the ‘apply now’ button below where you will be taken to our online application form and you can complete your details in less than 5 minutes. 

You will receive an instant decision matching your loan details with the best loan company in Texas and the US, taking into consideration the amount you wish to borrow, how long for, your income, credit score and more. 

If you choose to proceed with the loan offer presented, Pheabs will undergo some further checks which may include a quick phone call and if approved, you can receive your $300 loan, $500 or $1,000 within 1 hour or the same day you applied!

The process is completely online and you do not need to manually fill in any paperwork or go line up at the bank, since this is all generated online. Successful applicants are typically approved on the same day and funded within 24 to 48 hours or sooner.

Legal StatusYes
Loan Amount$100 to $5,000
Minimum Loan Term7 days
Maximum Loan Term180 days
Average APR410%
Bad Credit AcceptedYes
Same Day FundingYes

  • Over 18 years of age
  • Resident of the US and Texas
  • Have a social security number
  • Have a checking account in the US
  • Have a regular income and can afford monthly repayments
  • No recent bankruptcy 
  • Have a working cell phone and email address
  • Bad credit considered
  • Tenants and homeowners accepted

Yes, if you are looking for payday loans in Austin with poor credit, no credit and no credit checks, Pheabs can assist. 

We understand that not everyone has a perfect credit score and if you need money for an important purchase or expense, having the occasional missed payment should not hold you back. We are proud to offer a number of payday loan alternatives that can help people with bad credit histories, whether it is using your car as security (title loans), using a co-signer, credit union or just adjusting the amount you were looking to borrow.

We have helped over 1 million Americans to date and many of whom have bad credit scores — and working with over 50 lenders in the US, we will be able to match you with the most competitive rate and company who is most likely to approve you too.

If you are looking for loans with no credit checks, we have a number of options although Pheabs will typically run a quick credit check to get an idea of your previous repayment history. But if you do not meet the initial criteria for an unsecured payday loan, we are delighted to offer alternatives where credit checks are not a deciding factor, but rather your income, recent credit history and commitment to repaying on time.

Borrow $300 over a two-week term, will cost $345 ($15 per $100) based on a representative APR of 400%.Source:

If you need a payday loan for an emergency, we are happy to help you with a fast and effective solution. However, if you are looking for a longer term or a product with bad credit, we are able to offer a number of alternatives including:

Title Loans — Borrow up to 50% of the value of your car based on its value and condition. Your car, bike or van is used as collateral and could be repossessed if you are unable to keep up with repayments.

Installment Loans — Borrow larger amounts and repay over 12 to 60 months in equal repayments each month. This product is better suited for large purchases or expenses including weddings, starting a business, debt consolidation, home improvements or buying a new car. 

Cash Advances — Receive money upfront such as $300 or $500 before you receive your pay cheque from work and repay on your next payday or over 3 or 6 months.

Credit Unions — For those with poor credit and unable to access mainstream finance, we may suggest a credit union that offers very low rates for people with no credit or limited history. Please note that approval and funding may take longer than a payday loan in Austin.

Apps, Stores and More — With more than 50 lenders on our panel, we are always here to help and offer new and suitable products based on your criteria. This may include working with payday stores, pawnbrokers, credit cards, apps and other alternatives too.


What Do I Need to Consider Before I Apply?

Can I afford the loan? If you are unable to keep up with repayments, the penalties and late fees can really add up, so you want to be sure that you can make repayments on time, whether it is through your income at work or other ways to pay — and avoid falling into debt.

Have I considered alternatives? Payday loans are typically an expensive form of borrowing and the APR can range from 200% to 400%. The reason that the APR is high is because the loans are typically only for a few weeks and the funds are transferred quickly. But there are other cheaper options out there such as using a credit union or borrowing from family and friends and you should always consider cheaper options.

What is the loan used for? Payday loans should ideally be used for short-term emergencies, because the interest charged is quite high. Therefore, they are typically used for paying for household repairs, car repairs, rent or family emergencies. You should not use our loans for paying for gifts, holidays or anything luxurious because it not used for this purpose. 

Where Can I Find The Best Payday Loans in Austin Texas?

At Pheabs, we are proud to offer a completely free and effective way to get payday loans in Austin, Texas. With our online form, you can enter your details in less than 5 minutes and we will connect you to over 50 reputable and legitimate lenders who will present you with the best offer possible. 

There are no fees for applying and it will not impact your credit rating. You also have the choice if you wish to proceed or not, with no obligation.

Subject to further checks, it is very common to receive your loan in 1 hour or the same day. To begin, simply click on the button below!

When applying for a payday loan in Austin, it is possible to get approved instantly once you have completed the application. Your details will be processed in real-time, connecting you with a top lender and giving you a decision on the screen. 

If you wish to approve the loan offer, you will be required to electronically sign your loan agreement and the lender may carry out additional checks such as a quick phone call to you or ask for proof of income or employment. However, it is very common for loans to be funded on the same day, within 1 hour, 24 hours, 48 hours or sometimes 15 minutes.

Are Payday Loans in Austin Legal?

Yes, payday loans are legal in Austin and the state of Texas. There are rules in place to protect consumers such as the interest rate and APR charged does not exceed a certain level.

How Many Payday Loans Am I Allowed Open?

The state of Texas allows you to have an unlimited number of payday loans open. However, most states only allow 1 or 2 loans open at any time. Most lenders will restrict the number of loans that you have open to avoid taking on too much debt.

Do You Offer Loans for People Who Are Unemployed?ama?

Pheabs requires customers to be employed and earning a regular income. You may be able to apply for a loan if you are unemployed if you have income coming in from other places such as investments, pensions, welfare or if you are in between jobs. We will look at every application on a case-by-case basis and assess whether you can afford to repay your loan on time.

Is a Loan Guaranteed?

No, a loan is not guaranteed, you will need to show proof of income and that you can afford to repay your loan. At Pheabs, we will always do our best to offer you a guaranteed loan and if you have no income, we may offer alternatives from credit unions or products that you collateral such as title car loans.

How Much Can I Borrow?

You can borrow $100 to $5,000 from Pheabs based on factors such as your income, credit score and duration of your loan. If you only want to borrow for 2 or 4 weeks, this may be a small loan of just $300. But with larger loans of $2,000 or $3,000, you may have the option to pay over 12 to 60 months in installments.

How Do Repayments Work For My Loan?

Your repayments will be taken automatically by the lender, on a date that you arrange, typically your pay date. You just need to ensure that you have money in your checking account and it will be collected on the specified date and you will receive a reminder by email and SMS on the days leading up to each collection. You may choose to repay over 1 month or over 3 or 12 months in equal monthly installments.

What Happens if I Cannot Repay My Loan?
  • You will be charged a late penalty fee (around $25)
  • You will be charged additional interest for any extra days that the loan is open for
  • You credit score could be negatively impacted