First State Bank Payday Loans Review - Spearman, Texas

Your personal information is safe with us

4 8 reviews

Organization owner?

1 NE Court St, Spearman, TX 79081, USA

+1 (806) 659-5565

www.fsbtx.com

Saturday

Closed

Sunday

Closed

Monday

9AM–3PM

Tuesday

9AM–3PM

Wednesday

9AM–3PM

Thursday

9AM–3PM

Friday

9AM–3PM

Domain Info

What people think about First State Bank?

Below you get acquainted with some of the opinions of our customers.

Note

Pay Attention

Now you can read general features of payday loans.

Payday Loans in Spearman, Texas

A payday loan is a short-term, small loan ($100 - $1,000) that you pay off once you receive your next paycheck, typically two to four weeks.

Payday loans in Spearman, Texas is are simple to get. The interest rate is individual for each applicant and depends on various factors: age, income, loan amount needed, loan term, credit score, etc.

APR

can exceed 400%

Max Loan

Not Specified (on average $800)

Min Term

7 days

Max Term

180 days

Advantages of First State Bank that offers payday loans in Spearman, Texas

Day and night service. This means you can submit an application from the comfort of your home. You won’t have to go anywhere to finalize your application or get cash. The money will be transferred to your bank account the same day or the next day.
Collateral is not needed. You only need to meet the basic borrower requirements. You only need to provide some proof of income as well as valid identification. Bank statements and letter from employer are not needed.
Application is purely online. It only takes a couple of minutes to submit the application. The funds are sent to your account as quickly as possible.
94% of applicants accepted. Almost all people are eligible for payday loans.
Bad credit is ok. If you apply for a bank loan with bad credit, you are unlikely to get approved. Banks only work with good credit. Payday lenders do not pay attention to your credit and previous mistakes. You are likely to be eligible in any case.

Fill in an application

Information needed to complete a loan application

You will be required to provide the following information:

Your loan:

Loan Amount, Loan Purpose, Email Address

About You:

First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN

Your Address:

Zip Code, Street Address

Your Income:

How often do you get paid?, Next Paydate, Type of Account, How do you get paid?

Your Employment:

Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number

Your Credit:

If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?

Finally:

Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

As soon as you fill out an application, submit it and get the offer.

Common reasons

Why people take out cash advances?

Car expenses

Treatment

Vacation

Clothes

Home improvement

Debt Consolidation

Get Started

Bad Credit Approved

Payday loans for bad credit

If you have a bad credit history you may still apply a payday loan. Such loans are created to help meet the needs of applicants with lower credit scores. There are lenders who may be ready to offer you a payday loan even if you have a bad credit score. You will need a regular income to get accepted for a bad credit payday loan.

To get accepted for a cash advance, you have to comply with the following requirements:

be 18 years old or older;
be a U.S. citizen or permanent resident;
be employed and have a steady income;
have a valid checking account in your name;
have an email address and phone number.

~ Credit score ~

Rate Your Credit Score

Low

300 – 579 points

No ability to get a loan
No ability to rent a room

Average

670 – 739 points

80% of loan approval
Apply for all loan types

Perfect

740 – 799 points

95% of loan approval
Apply for all loans including mortgage

Rate your APR

APR Calculator

Loan Amount $: *

Loan Term (Days): *

APR value %: *

Origination Fee $: *

$1000 Your loan

+ $38 Your fee

= $1,038 Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

This online calculator helps to quickly calculate the APR. It’s easy to learn the precise cost of the payday loan even before applying.

Let's see