1st Texas loan Store is not a lender. Loans provided by a 3rd party lender to you are guaranteed by ZEC Financial, LLC. Credit approval subject to The lender’s credit standards and actual terms (including maximum loan amount) may vary by applicant. Not all applicants will qualify for the maximum loan amount.
Is your Express
Loan a Payday Loan?
Yes, our Express Loan is a deferred deposit or payday loan.
How do deferred deposit loans work?
Deferred deposit loans are unsecured loans that are paid on your next payday.
What do I need to get a loan?
You will need proof of income, current state issued ID, a current phone bill and a checking account.
Do I need collateral to get a loan?
No, we don't take anything in exchange for the loan with the expection of a check for repayment.
Do I have to have good credit?
A poor credit history does not disqualify you from getting an Express Loan.
Can I pay the loan off with cash?
Yes, you can return to the store at any time on or before the due date and pay with cash.
What if I don't think the check I wrote you will clear the bank?
Please contact us if you don't think the check you wrote will clear. We will attempt to assist you and prevent costly fees that may arise from your check not clearing. Remember to contact us on or before the due date.
What is the limit of my loan?
Loan amounts vary depending on income.
Yes, our Express Loan is a deferred deposit or payday loan.
How do deferred deposit loans work?
Deferred deposit loans are unsecured loans that are paid on your next payday.
What do I need to get a loan?
You will need proof of income, current state issued ID, a current phone bill and a checking account.
Do I need collateral to get a loan?
No, we don't take anything in exchange for the loan with the expection of a check for repayment.
Do I have to have good credit?
A poor credit history does not disqualify you from getting an Express Loan.
Can I pay the loan off with cash?
Yes, you can return to the store at any time on or before the due date and pay with cash.
What if I don't think the check I wrote you will clear the bank?
Please contact us if you don't think the check you wrote will clear. We will attempt to assist you and prevent costly fees that may arise from your check not clearing. Remember to contact us on or before the due date.
What is the limit of my loan?
Loan amounts vary depending on income.