Payday Text LoanDo you have an emergency and there’s no cash available? There’s no need to go on a wild goose chase anymore, when there are text loans available to assist you during those challenging times. Text loans are a type of Payday loan that requires you to send a text message to a text loan provider. In less than 15 minutes, you can be approved and  have the cash available in your bank account. If you ever find yourself requiring cash for an emergency, and you do not know where to turn, you can always consult five of the top US Payday text loan providers to help you get out of your rut.

Team Quick Cash

Team Quick Cash provides text loans to qualified applicants. To qualify for a text loan you must be 18 years and  have two months of consistent employment and a bank account that accepts direct deposit. Once you fulfill those requirements, you can submit an online application which takes approximately two minutes, and you can receive instant approval. After you are approved, follow the instructions of your approval by sending a text message to receive your loan. Team Quick Cash offers text loans of up to $1,000.


AmeriAdvance requires you to complete a two-step online application which takes you a few minutes. The information collected is confidential and secure. Once submitted, your application is reviewed by a representative in a fast and efficient manner. Your approved loan is deposited into your account within 24 hours. AmeriAdvance provides you with the opportunity to repay your loan on your next payday. You can also request a longer repayment option if the need arises. You can apply for an AmeriAdvance text loan of up to $1,500.


CashnetUSA is known for offering the lowest text loan fees in the payday text loan industry. They provide support 24 hours a day, 7 days a week; thus making it easy for you to acquire a loan during those inopportune moments. Getting a text loan from CashNetUSA requires you to be employed for a minimum of a month, have an active checking account, and be a US citizen 18 years of age. The application takes at least five minutes to complete, and you receive instant online approval. Your cash is deposited into your bank account by the next business day. You can borrow up to $700 with CashNetUSA.

Ace Cash Express

Ace Cash Express provides loans ranging from $100 to $1,000. You must have a bank account, be a US resident over 18, show proof of income, provide a home address and contact information, and be gainfully employed to receive a loan through Ace Cash Express.

PayDay Max

PayDay Max offers first time customers a 25% discount. They provide text loans up to $1,500. Fill out an online application, and receive approval within minutes.

You do not require collateral or  a perfect credit history to be approved for text loan through any of the aforementioned text loan providers.