Thinking About a Payday Loan in Dallas?
A Guide to Getting The Help (and The Loan) You Need


Borrowing Money in Dallas

There are many options for getting fast cash in Dallas. One is to get a loan. They can be found in storefronts throughout the city, or even through online lenders. Most of these places will boast “speedy cash” to help in an emergency. But choose wisely, because many lenders are predatory and hope to take advantage of your situation to lead you deeper into debt.

Title Loans in Dallas

Title Loans in Dallas
Offering your vehicle as collateral is a risky choice.

If you live in Dallas you already know that the easiest way to get around is by car. Having a vehicle to get to work and back every day is pretty important. It’s also important to keep the car you have. Taking out a costly title loan could mean losing your vehicle, which will undoubtedly have negative effects on the other areas of your life. Learn why you should avoid the dangers of car title loans in Dallas.

Getting a title loan in Dallas is fairly simple, as long as you own a car. Having bad credit won’t necessarily eliminate your options because title loans rely on your vehicle as collateral. This means that the lender isn’t as worried about missing payments, because failing to pay means they will just take away your car. This is called repossession.(2)

In addition to risking your vehicle you’re also agreeing to pay outrageous interest and fees. According to the Texas Fair Lending Alliance, “Texas is one of the few states that has not taken some action to rein in these loans.” This leads to extremely high fees for borrowers in Dallas (about $23 dollars for every $100 borrowed, which results in an APR of about 574% for a typical two-week loan).(3)

Do yourself a favor and find an alternative to costly title loans in Dallas. There are plenty of options available that will not result in a cycle of debt and an empty parking spot.

Payday Loans in Dallas

Payday Loans in Dallas
A quick solution that may lead to more debt in the future.

There’s no shortage of quick cash options in Dallas. A payday loan is one of these options. While they can provide money quickly if you’re in a pinch, they actually lead to more issues and deeper debt in the future.

Payday loans are small, short-term cash loans that are due back on your next payday. Simple enough right? Wrong. The reason these loans lead to so much trouble is that there are little-to-no regulations for them in Dallas. This means that you can be charged excessive fees and interest rates simply for needing to borrow in the first place.

Just like with auto title loans, the state of Texas hasn’t created very many laws to stop the predatory lending that takes advantage of low-income families and individuals. Because of the lack of regulations, payday loans in Texas will cost you about twice as much as they would in other states.(3) And the fact that these loans are so expensive, means that many customers can’t pay them back on time, and are forced to take on more fees in order to extend the loan. This is how the cycle of debt is created.

You deserve better than a dangerous predatory loan. Consider all your options before deciding on where to get cash in Dallas. If you already have a payday loan, or you have more questions contact the Texas Fair Lending Alliance.

Pawn Shops in Dallas

Pawn Shops in Dallas
Quick cash and the risk of losing your valuable items.

Pawn shops in Dallas are another convenient way to get a small amount of cash in a hurry. If you live in Dallas, there’s no doubt that you’ve walked or driven past several pawn shops. There are hundreds of them throughout the city. They’re an interesting place to find fun items for sale, but keep in mind that some of those items are only there because someone else couldn’t afford to pay off their pawn shop loan.

To get pawn shop loans in Dallas, you simply offer up a valuable item that you own. You’ll then be offered a cash loan, which is usually only a fraction of the value of the item. These are typically short-term loans and usually you’ll be required to pay it back in 30 days or less. If you can’t pay they are allowed to sell your item to make their money back.

There are other ways to get fast cash in Dallas without risking your valuable items. If you have questions about pawn shop regulations feel free to call the Consumer Helpline of the Texas Office of Consumer Credit Commissioner at (800) 538-1579.

Personal Installment Loans in Dallas
Affordable, credit-building loans for any situation.

If the solution to your financial needs is a fast loan that’s affordable and can help you build your credit, then OppLoans is here for you. We provide cash loans in Dallas between $1,000 and $10,000, with interest rates that are usually 70-125% lower than other personal loans.

Apply online and get your cash as fast as the next business day. Our loans are fast and our team is friendly. Customers rate us 4.9 out of 5 stars for our friendly service. And we’ll work with you to make sure your payment can fit into your budget. Our fixed rates mean your payment will be the same throughout the life of the loan.

In addition, OppLoans will never charge you prepayment, application or origination fees. This is the personal loan that you deserve with the speed, convenience and safety you’ve been looking for.

Contact us by phone at (800) 990-9130, Monday – Friday 7am to 7pm, or Saturday 9am to 4pm central time. You can also email us at Apply@OppLoans.com

Getting Help in Dallas

Sometimes we all need a helping hand. Many people face daily struggles involving money, addiction, healthcare or basic living essentials like food and shelter. Wouldn’t the world be a better place if no one had to worry about these things? Unfortunately that’s not the case. But, there are resources for situations like this. Many organizations exist in Dallas to help people who need assistance.

Dallas may be a city rich with history and culture, but from 2000 to 2012 the number of individuals in poverty rose by 41%.(1) This means there are many people living on the edge of a financial cliff. One unexpected gust of wind like a medical emergency, eviction or job loss, and they’ll fall to financial doom. For this reason it’s very important that there are organizations and services in Dallas to help residents with the unexpected. If you’re searching for financial help in Dallas, the following list of resources can provide assistance.

Temporary Assistance

Temporary Assistance

The car broke down, the air conditioner stopped working and your kid just sprained an ankle while riding her bike. It’s safe to say that you could use a little help. Having services and programs in place to help in times of need can keep us from falling into the world of debt. The good news is that there are several ways to get temporary assistance in Dallas:

Texas Department of Housing and Community Affairs offers help with rent, utilities and weatherization.

Texas Temporary Assistance for Needy Families (TANF) provides financial and medical assistance to families in Dallas.

Community Council of Greater Dallas has services for food, shelter, utility assistance and more. Visit their site or dial 2-1-1 for help.

Connect to Care Dallas offers a list of helpful services in the Dallas area.

Financial Help Resources has a list of places in Dallas that can help with cash assistance.

Homebase for Housing has a good list of resources for temporary relief.

Homelessness Resources

Homelessness

The only thing more important than having a roof over your head, is keeping the roof over your head. Unfortunately there are many families and individuals in Dallas who are in danger of losing their homes or already have. Relief is out there though, in the form of transitional housing, homeless shelters, food pantries and foreclosure prevention programs. You just have to know where to find the help you need:

Dallas Life is an organization offering food, shelter, clothing and counseling services.

The Bridge is another organization devoted to ending adult long-term homelessness through emergency shelter and transitional housing.

Family Gateway seeks to end child homelessness by providing housing and social services.

Austin Street Center provides food and shelter to the under underprivileged.

ShelterListings.org provides a list of several shelters in Dallas.

Safe Haven Homes is a homeless shelter serving the Dallas area.

Homeless Shelter Directory has a long list of homeless shelters in Dallas.

Here are some additional Dallas shelters with contact information:

Dallas Life Foundation 1100 Cadiz St Dallas, TX 75215 (214) 421-1380

Shelter Ministries of Dallas 2929 Hickory St Dallas, TX 75226 (214) 428-4242

Union Gospel Mission 3211 Irving Blvd Dallas, TX 75247 (214) 637-6117

Teena’s Place 7728 Los Gatos Dr Dallas, TX 75232 (214) 859-0139

The Stewpot 1835 Young St Dallas, TX 75201 (214) 746-2785

Family Gateway, Inc. 711 South St. Paul St Dallas, TX 75201 (214) 741-6515

Lifeline Shelter 202 College St Grand Prairie, TX 75050 (972) 642-7744

MDHA 904 S Ervay St Dallas, TX 75201 (972) 638-5595

Union Gospel Center of Hope 4815 Cass St Dallas, TX 75235 (214) 638-2988

City House 901 18th St Plano, TX 75074 (972) 424-4626

Addiction and Recovery Resources

Addiction and Recovery

For people in Dallas struggling with drug abuse, alcoholism or gambling, it helps to know that there are people who care, and programs designed to help with dependency. Treatment centers in Dallas are designed to curb your addictions, and put you back on a path to a successful and meaningful life. Consult the resources below for information on how to get help in Dallas:

Drug Rehab Services has a list of drug and rehab services in Dallas.

Phoenix House is a treatment center in Dallas focused on helping those struggling with substance abuse.

Consult the following list for additional treatment centers in Dallas, TX:

Dallas Challenge Inc. 7777 Forest Lane, Suite C-410 Dallas, TX (972) 566-4680

Dallas County Juvenile Department – Substance Abuse Unit 2600 Lone Star Drive Dallas, TX (214) 860-4300

First Step Counseling Center – Oak Cliff 219-B Sunset Ave. Suite 101 Dallas, TX (214) 942-8808

Gateway Foundation 723 South Peak St Dallas, TX (214) 827-2870

Holmes Street Foundation Inc. 2503 Martin Luther King Jr. Blvd Dallas, TX (214) 421-7580

Murray Hill Recovery 8222 Douglas Ave. Suite 390 Dallas, TX (214) 234-2400

Senior Programs

Senior Programs

Getting older isn’t something we should dread, but something we should look forward to. If it’s anything like Golden Girls it should be a blast. However, sometimes the cost of senior programs and services can leave us with empty pockets. The list below contains links to free or affordable senior services in Dallas:

The City of Dallas offers services focused on helping seniors maintain a high quality of life.

The Senior Source offers elder support, long-term care and employment opportunities.

Dallas County Health and Human Services has an extensive list of senior centers in Dallas.

Elder Options of Texas provides a list of senior programs in Dallas.

The Dallas Area Agency on Aging has helpful information and services for seniors.

Methodist Generations senior services offers health resources, classes and many other programs.

Here’s a list of available senior centers in and around Dallas:

Elmwood Senior Citizens Center 1317 Berkley Ave Dallas, TX 75224 (214) 330-7144

Nursing Home Ombudsman Program 3910 Harry Hines Blvd Dallas, TX 75219 (214) 823-5700

Richardson Senior Citizen Center 820 W Arapaho Rd #100 Richardson, TX 75080 (972) 744-7800

Marcus Annex Recreation Center 2910 Modella Ave Dallas, TX 75229 (214) 670-6597

Farmers Branch Senior Center 14055 Dennis Lane Farmers Branch, TX 75234 (972) 919-8740

Carver Senior Center 222 Carver Street Garland, TX 75040 (972) 205-3305

Garland Senior Activity Center 600 W Avenue A Garland, TX 75040 (972) 205-2769

Carrollton Senior Center 1720 Keller Springs Rd Carrollton, TX 75006 (972) 466-4850

D.L. Hopkins Jr. Senior Center 206 James Collins Blvd Duncanville, TX 75116 (972) 780-5073

Emeritus at Lake Highlands 9715 Plano Rd Dallas, TX 75238 (214) 452-2357

Veteran Programs

Veteran Programs

Serving in the United States Military is a noble and selfless act. Standing up for our country and the freedoms that we’ve all come to know and love, is worthy of every American’s respect. It should go without saying then, that veterans deserve to come home to a country that will have their backs — the way they had ours. Veteran services in Dallas can help with homelessness, employment, shelter and many other necessities:

Dallas County Veteran Services offers a crisis line, benefits, emergency assistance and other services to veterans in Dallas.

Homeless Veterans Services of Dallas, Inc. helps homeless veterans by providing a day center that allows veterans to shower, do laundry and get healthcare services.

The Veterans Resource Center helps connect veterans with employment and educational resources.

TexVet offers homeless services to veterans in Dallas.

The Dallas Vet Center of the U.S. Department of Veterans Affairs can offer assistance to veterans in need.

UT Dallas Veteran Services Center provides support to veteran and military-affiliated students.

The Texas Veterans Commission was created to help veterans of the Indian Wars, Spanish-American War and WWI.

References:

  1. Austin, BJ. “In Dallas, Poverty Has Skyrocketed Over the Past Decade” Kera News. August 21, 2014. Accessed February 9, 2016. https://keranews.org/post/dallas-poverty-has-skyrocketed-over-past-decade
  2. “Avoid the Dangers of Car Title Loans” Financial Web. Accessed February 9, 2016. https://www.finweb.com/loans/avoid-the-dangers-of-car-title-loans.html#axzz3zhpCrDsG
  3. “FAQs” Texas Fair Lending Alliance. Accessed February 9, 2016. https://www.texasfairlending.org/resources/faqs/

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.