The maximum amount you can receive for a payday loan through the service.
More is better
EZMoney
$1,000
Compare to the Top 3 Payday Loan Services
#1 100DayLoans
$1,000
#2 NetLoanUSA
$1,000
#3 24/7Loan
$1,000
Category Average
$1,370
Dollars
0
267
534
801
1068
1335
1602
EZMoney offers both online and in-store payday loans in San Antonio. If you need same-day cash, you can go into any of the 29 San Antonio-area stores, or you can apply online and receive your funds via direct deposit the next day. While this service does not have the highest interest rates and fees, they are above average while offering only the typical loan amount, so there is not anything that makes this service stand out.
Because Texas does not allow direct lenders in its state, EZMoney is a service that connects you with a third-party lender willing to loan you up to $1,000 for online loans and $2,200 in store. However, because of San Antonio payday loan laws, those lenders may only offer you a loan up to 20% of your monthly income. If you decide to complete your loan online, you can expect an APR of 711%, which is higher than most services and higher than its in-store APRs. If you go into a store, your APR will be 583%. The APRs work out to around $25 per $100 borrowed, and this service charges a 10% lender fee, which most services do not charge.
Whether you choose an EZMoney online or in-store loan, you complete the application online, which saves you time should you choose to finish the loan at a store. The online loan process takes a few minutes for approval, and then you receive offers from lenders. Once you come to an agreement with a lender, it deposits your loan then next day. However, if you would like same-day funds, you need to go into a store. There are 29 EZMoney stores in the local San Antonio area, so you can find one close to you.
The maximum term of a payday loan with this service is 23 days, but the actual term of your loan depends on your paycheck schedule. When the term of your loan is up, you begin payments. Your payments automatically debit out of your account, so you want to ensure that the funds are available. This service offers extensions and rollovers, but San Antonio law stipulates loans may only be rolled over three times, and the payments made on a rollover or extension must cover at least 25% of the remaining balance.
If you have any questions about the service or your loan, you can contact EZMoney by phone and email, and there is a live chat option for online loan customers. The live chat representative was very helpful when we were chatting, even though our questions were about in-store loans. If you have specific questions about your loan, you can also contact your lender.
Because Texas does not allow direct lenders in its state, EZMoney is a service that connects you with a third-party lender willing to loan you up to $1,000 for online loans and $2,200 in store. However, because of San Antonio payday loan laws, those lenders may only offer you a loan up to 20% of your monthly income. If you decide to complete your loan online, you can expect an APR of 711%, which is higher than most services and higher than its in-store APRs. If you go into a store, your APR will be 583%. The APRs work out to around $25 per $100 borrowed, and this service charges a 10% lender fee, which most services do not charge.
Whether you choose an EZMoney online or in-store loan, you complete the application online, which saves you time should you choose to finish the loan at a store. The online loan process takes a few minutes for approval, and then you receive offers from lenders. Once you come to an agreement with a lender, it deposits your loan then next day. However, if you would like same-day funds, you need to go into a store. There are 29 EZMoney stores in the local San Antonio area, so you can find one close to you.
The maximum term of a payday loan with this service is 23 days, but the actual term of your loan depends on your paycheck schedule. When the term of your loan is up, you begin payments. Your payments automatically debit out of your account, so you want to ensure that the funds are available. This service offers extensions and rollovers, but San Antonio law stipulates loans may only be rolled over three times, and the payments made on a rollover or extension must cover at least 25% of the remaining balance.
If you have any questions about the service or your loan, you can contact EZMoney by phone and email, and there is a live chat option for online loan customers. The live chat representative was very helpful when we were chatting, even though our questions were about in-store loans. If you have specific questions about your loan, you can also contact your lender.
EZMoney Summary:
EZMoney payday loans give you the option of online loans up to $1,000 or in-store loans up to $2,200, though neither option can exceed 20% of your monthly income. The APR and fees with this company are slightly higher than with other services, and it charges a lender fee that other services do not. Because there is nothing blaringly bad or exceptionally good about this service, it is a viable option, but there are better payday loans available.
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