Loans from
$300 – $5,000

Repayment term
4 – 24 Months

Minimum credit score
No min. to apply

The figures provided are representative of a typical installment loan made or arranged by CreditNinja and are not guaranteed rates or terms that you may qualify for.

By CreditNinja
Modified on January 19, 2024

Looking for a fast and efficient way to get the cash you need? Personal loans in Killeen, TX, may be the perfect financial solution for you! A personal loan is a type of unsecured funding that doesn’t require borrowers to give up anything as collateral. Instead, lenders look at the borrower’s income, credit score, and other qualifying factors to determine approval. 

Installment Loans

Personal installment loans are a special type of personal loan that usually comes with fixed rates, which allows the borrower to pay back their balance in consistent monthly installments. Other types of interest, like variable rates, may result in higher monthly payments some months, which can be difficult to handle for people struggling to keep their finances organized. If you are looking for a loan that is easy to plan for, a personal installment loan may be a good fit for you. 

Some common uses for personal loans in Killeen, Texas, are: 

  • Car repairs. 
  • Home repairs. 
  • Past due bills. 
  • Unexpected expenses. 
  • Medical debt. 

No Credit Check Loans

A no credit check loan is a type of funding where borrowers can forego an official credit check during the approval process. But know that at some point, a loan company will likely want to look at your most recent credit report before they approve you for funding. However, this doesn’t mean you can’t qualify for a personal loan if you have poor credit or even no credit. 

Usually, a lender will just want to review your credit history to ensure that you are not currently going through bankruptcy or pre-bankruptcy credit counseling. 

Cash Advance Loans

Consumers who are looking for small loans may consider getting a cash advance loan. Some common types of cash advance loans are: 

  • Payday cash advance loans: payday loans are a type of funding designed for people who need a bit of extra cash while in-between paychecks. Terms for payday loans are usually around fourteen days, or two weeks. 
  • Employee cash advance: employees in extreme financial trouble may be able to get a cash advance from their employer. However, employee cash advances should be reserved for dire emergencies where no other form of funding is available. 
  • Credit card cash advance: credit card holders can access cash advances at most ATMs, banks, or credit unions. However, interest rates on credit card cash advances are normally higher than standard credit card purchases. 

Online Bad Credit Loans

With a convenient online process in place, borrowers don’t have to worry about finding and traveling to a Killeen branch in order to take advantage of bad credit loans. Check out how the process works below: 

  • Step One: Fill out an online application. 
  • Step Two: Send in a few documents. You will most likely need a government-issued photo ID, proof of income, proof of residency, and your bank account information. 
  • Step Three: Review your loan contract, sign it, and receive your approved funds! 

Payday Loans Alternative

Some borrowers in Killeen opt for a payday loan. However, payday loans are known for having extremely high-interest rates, very low loan amounts, and brief payback terms. So, if paying back your loan balance within two weeks or less doesn’t sound like something you can reasonably do, you probably don’t even want to waste your time applying for a payday loan.

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