What is a payday loan?

A payday loan is a small loan, typically between $100-$1000, that is used to cover small, often unexpected, expenses. Borrowers may also use a payday loan to avoid costly bounced checks, overdraft protection fees, late bill payment penalties, or other less desirable short-term credit options.

Understanding the Annual Percentage Rate (APR)?

The APR of your loan includes the interest and any scheduled fees associated with your loan. APR is commonly used with long-term loans such as mortgages and auto loans that are typically repaid in years, unlike short-term loans that are repaid in days. The average APR for a 14-day payday loan serviced through LendNation is 533%.

Effects of non-payment?

If a loan is not paid when due, we reserve the right, where permitted, to charge late fees, or provide an option to refinance, renew or extend your loan. Late or missed payments may negatively impact your credit score or cause your account to fall into collections. Every attempt will be made to contact the customer prior to initiating the collection process. LendNation abides by all applicable federal and state laws in the collection of outstanding loans. We uphold the spirit and principles of the Fair Debt Collection Practices Act and treat our customers respectfully in all phases of the credit service process, including collections. We (or your lender, when we are not the lender) may agree to refinance your loan upon request. Loan refinancing options vary by state and may include additional fees. For specific rules for your state, enter your zip code.

A single short-term loan is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Short-term loans are not recommended as long-term financial solutions. Funds are generally deposited via ACH for delivery next business day. If you applied after 9pm Central or over the weekend, the funding process will begin on the next business day, and your money will usually be deposited on the business day after that. LendNation or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases. Not all loan applications or renewal requests are approved.

LendNation understands the importance of responsible lending. As a member of the Community Financial Services Association of America (CFSA), we abide by their best practices. In addition, we abide by all applicable laws and regulations in the states in which we operate. LendNation is owned by Overland Park, Kansas-based QC Holdings, Inc. If you have a question or a comment, please contact us: 8208 Melrose Drive, Lenexa,KS 66214 Phone: 866-324-9565 Email: info@LendNation.com

DISCLOSURES

Texas Documents

Texas Title Rate Chart

Texas Single Pay Ability to Pay Disclosure

Texas Title Ability to Repay Disclosure

Texas Payday Loan Rate Charts

Texas Multi Pay Ability to Pay Disclosure

Texas License

FREQUENTLY ASKED QUESTIONS

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TEXAS FAQ

WHAT IS AN MULTI-PAY PAYDAY LOAN?

An multi-pay payday loan is a longer-term loan that you pay back over time in mostly equal payments. Multi-pay payday loan payments can vary – bi-weekly (every two weeks), semimonthly (twice per month), or monthly – with terms lasting up to 36 months. Multi-pay payday loans are usually considered a more traditional style loan than a payday loan. Read more about installment loans at our LendNation blog.
WHAT IS A TITLE LOAN?

A title loan is a longer-term loan that lets you borrow money based on the value of a vehicle with a free and clear title. Title loans are repaid over time with set scheduled payments. LendNation title loans may provide you more money, longer terms, lower interest rates, and lower payments when compared to our other loan options. And you get to keep driving your vehicle. You may apply for a LendNation title loan with a variety of vehicles – depending on your state – including cars, trucks, motorcycles, boats, ATVs, and RVs. For information about the types of vehicles you may use in your state and to start on your application, please contact or visit LendNation today.
WHAT IS A PAYDAY LOAN?

A payday loan, sometimes called a cash advance, is a small, short-term loan typically between $100 and $1,000 that is used when you need a little bit of cash to get to your next payday. You get cash quick, and you’ll spend the shortest time in a loan. A payday loan is typically due on or around your next payday. A payday loan is often used to cover small, often unexpected, expenses. Read more about what payday loans are used for and how to use one.
WHAT IS AN ANNUAL PERCENTAGE RATE (APR)?

The Annual Percentage Rate (APR) is the cost you pay each year to borrow money. The APR includes interest and fees and is expressed as a percentage. Compared to an interest rate, the APR is a broader measure of the cost to you of borrowing money since it reflects not only the interest rate but also the fees that you have to pay to get the loan. The higher the APR, the more you’ll pay over the life of the loan.
WHAT ARE THE EFFECTS OF NON-PAYMENT?

If a loan is not paid when due, we may place your loan in default, charge you a late fee where permitted and where applicable (see your loan agreement for details), or provide you an option to refinance your loan. Late or missed payments may negatively impact your credit score or cause your account to fall into collections. Every attempt will be made to contact the customer prior to initiating the collections process and defaulting the loan. LendNation abides by all applicable federal and state laws in the collection of outstanding loans. We uphold the spirit and principles of the Fair Debt Collection Practices Act and treat our customers respectfully in all phases of the credit service process, including collections.

We, or your lender when LendNation is not your lender, may agree to refinance your loan upon request. Loan refinancing options vary by state and may include additional fees. For specific rules for your state, please contact LendNation.
WHAT IS THE LENDNATION PRIVACY POLICY?

Read our privacy policy to understand how we protect your personal information.
WHO IS LENDNATION?

LendNation gets you the cash you need how and when you need it with a variety of flexible solutions online and in-store including title loans, installment loans and payday loans. Our products are designed to fit your needs. We understand you may have less-than-perfect credit and every cash need is unique. That’s why we will work hard to get you the money you need. Learn more about LendNation.
CAN I GET AN ONLINE LOAN AT LENDNATION?

Yes, you can get an online loan depending on your location. We offer online payday loans and online installment loans in 11 states. For more information about products available to you, please select your state in the menu above or find a location near you.
WHERE CAN I FIND A LENDNATION LOCATION NEAR ME?

You can find a LendNation store near you by using our store locator. You can also use the main menu on our homepage to find your state to review the products available to you both online and in-store. We have online lending and store locations available in 13 states.
CAN I APPLY FOR A LOAN IF I HAVE BAD CREDIT?

At LendNation, we understand you may have less-than-perfect credit. We offer loans that are designed to fit your unique cash needs. People with all credit types, including bad credit, can apply for a loan at LendNation. We’re committed to excellent customer service and will work hard to get you the money you need.
WHAT DO I NEED TO APPLY FOR A LOAN?
You will need a few documents to apply for a payday loan or installment loan at LendNation. Just gather these documents and complete our fast and easy application to apply for a loan today either online or at a location near you. When you apply online, we’ll tell you if you’re approved and for how much both online and in-store.
- Current government-issued photo ID
- Verifiable source of income
- Bank statement from within last 30 days
- Active checking account
- Current phone number
To apply for a title loan, you’ll need the documents listed above as well as a free and clear title on your vehicle. Title loans are available only at our LendNation stores.
WHAT PRODUCTS AND SERVICES DOES LENDNATION OFFER?

LendNation offers a wide variety of cash loans and money services at more than 200 locations across 13 states. We also offer online loans that you can apply for from the comfort of your home. LendNation offers title loans, multi-pay payday loans, payday loans, check cashing, Western Union, Insight Mobile Banking cards, and more. Availability of products, online access, and other services vary by state. For more information about products and services available to you, please select your state in the menu or find a location near you.
HOW DO I GET A LOAN FAST AND EASY?

Apply online now or find a store near you! Our process is fast and easy. 1) Apply online or in-store today. Our application is simple, quick, and secure. 2) Get a decision. We’ll tell you right away if you’re pre-approved for a certain amount. 3) Get your cash. You can receive your cash instantly with our instant debit card funding. Don’t need it instantly? You can get it same day

LendNation is not a lender or fiduciary and acts solely as a credit services/access business in Texas. LendNation will use its best efforts to help obtain a loan from a lender. Any credit services LendNation provides or third-party loans LendNation brokers may not be at the best available rates or terms. Any references to "us," "our" and "we" should be read as LendNation and NCP Finance