Welcome to Our Online Loan Referral Service

1207 N 7th St, Merkel, TX 79536, USA
+1 (800) 447-2265

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Company Name

Contact Data

What people think about Happy State Bank ATM?

Below you find some of the reviews of our customers.

They only ask for an ID to verify you. Last week I was fined and needed extra funds to hold on. These guys saved me although I had a low credit score. Quick and easy application. Very satisfied!

Rosario Feil

Recently I had the most desperate situation in my life. I urgently needed $700 to deal with utility bills. This institution assisted me very quickly. They were the only company that approved me for the requested amount. I solved all my troubles. I will definitely recommend this company to my friends. Best service in my life.

Marjorie Rosenbaum

Thank you for the top-quality service. Your employess guided me throughout the application. It’s cool that you only need an ID to get accepted.

Dr. Corrine Rippin

Many thanks to Happy State Bank ATM. I recently had some problems with repaying my mortgage and they approved me for a payday loan. Best loan provider! Managed to cover my problems and signed with relief.

Maryjane McDermott DDS

I needed $400 to buy a suit for a party. The only solution was to apply for a payday loan. Found a lot of lenders on the Internet. Happy State Bank ATM seemed the most legit financial institution in Merkel.

Aisha Lueilwitz III


Above there is information about a definite company. Below you can see common aspects of payday loans.

Payday Loans in Merkel, Texas

A payday loan is a small, short-term loan that's meant to be repaid with the borrower's next paycheck. Amounts usually range from $100 to $1,000.

Payday loans are the easiest loans to qualify for in Merkel, Texas. The entire process is fast. They are appoved right away and come with individual interest rate. It will be influenced by the borrower’s personal information.


can exceed 400%

Max Loan

Not Specified (on average $800)

Min Term

7 days

Max Term

180 days

Why people take out cash advances?


Car expenses








Home improvement

Payday loans for bad credit

A low credit rating doesn't have to prevent you from applying for payday loans. They are one of the few easy loan products offered to consumers with a bad credit history. Payday loan approvals depend very much on specific factors. Lenders will look at your earnings and subtract all your expenses. Usually, your score won’t be ruined by a payday loan, as long as you repay it in full and in good time.

To get approved for a loan, you have to meet the following requirements:

  • be 18 years old or older;
  • be a U.S. citizen or permanent resident;
  • be employed and have a steady income;
  • have a valid checking account in your name;
  • have an email address and phone number.

Rate Your Credit Score

Low Rate


Lower than Average


  • No ability to get a loan
  • No ability to rent a room
Average Rate


High Rate


  • 80% of loan approval
  • Apply for all loan types
Great Score


Perfect Score


  • 95% of loan approval
  • Apply for all loans including mortgage

Rate your APR

Use the below online calculator to quickly calculate the APR and find out the definite cost of the payday loan immediately.

APR Calculator

Other Payday Lenders in Merkel, Texas

Security Finance

1621 W Berry St, Fort Worth, TX 76110, USA

+1 (817) 926-4492


Atlas Credit Co., Inc

9714 Potranco Rd #109, San Antonio, TX 78251, USA

+1 (210) 255-3100


Check `n Go

450 Plantation Dr Ste 450, Lake Jackson, TX 77566, USA

+1 (979) 292-0104


Texas National Bank

2406 S Main St, Lindale, TX 75771, USA


OneMain Financial

403 W Grand Pkwy S Ste C, Katy, TX 77494, USA

+1 (281) 347-3473


TitleMax Title Loans

1318 50th St, Lubbock, TX 79412, USA

+1 (806) 744-2554


PlainsCapital Bank

400 Sundance Pkwy, Round Rock, TX 78681, USA

+1 (512) 457-7500


Cash America Pawn

8620 S Main St, Houston, TX 77025, USA

+1 (713) 669-8648

Liberty Mortgage Commercial Loans

1801 Wynchase Dr, Deer Park, TX 77536, USA

+1 (281) 542-9505