Welcome to Our Online Loan Referral Service

612 Main St, Olton, TX 79064, USA
+1 (806) 285-2265

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What people think about Happy State Bank?

Below you see some of the opinions of our customers.

I took out for a $1,000 payday loan when I needed money after car accident. There simply was no other way out. I found this site on the Internet. Other lender charged VERY HIGH rates. One lender declined me, another approved me for a smaller amount but here it got as much as I wanted.

Thea Nolan

I took out for a $1,000 payday loan when I needed money after dismissal from work. There simply was no other way out. I found this site on the Internet. Other lender charged sky high rates. One lender refused me, another approved me for a smaller amount but here it got as much as I needed.

Colten Reinger

Used Happy State Bank for the second time. The lender is fair. They always keep you informed on your debt. No cheating. You can always extend your loan. They are always there when I need extra funds.

Madalyn Hahn

Happy State Bank seems honest. Applied twice. The first payday loan approved was small – $100, but next time the limit was increased to $800. Closed the loan on schedule. The employees were friendly, they gave immediate answers to all my questions. No problems. But their interest rates are not the lowest on the net.

Ms. Laura Ondricka II

I have already applied this lender twice and I was very pleased with the rates. This is the only round the clock lender with reasonable rates in my area.

Dr. Phoebe Graham Jr.

Happy State Bank seems credible. At least they have no hidden fees. This was the only lender that approved me for a payday loan.

Caden Barton DVM

Pay Attention

Now you can review general aspects of payday loans.

Payday Loans in Olton, 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.

Online payday loans can be the easiest solution to your short-term financial problems in Olton , Texas because they are easily approved and easily paid off. Your APR will depend on your state regulations or on the payday lender's policy.


can exceed 400%

Max Loan

Not Specified (on average $800)

Min Term

7 days

Max Term

180 days

Why people apply for cash advances?


Car expenses








Home improvement

Payday loans for bad credit

Having a bad credit score automatically disqualifies people from getting a bank loan. Payday loans give people with a bad credit score an increased chance to get accepted for payday loans. A payday loan may be the only financial product available for some individuals to help them cover urgent expenses. If you take out such a loan, it is critical that you always borrow within your means and pay off your loan commitments without delays.

To get accepted for a payday loan, you have to comply with the following eligibility criteria:

  • 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

If you want to find out the real annual percentage rate of the loan before applying, you can use the online calculator. It will help you determine the exact cost of the loan in a few minutes.

APR Calculator

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Happy State Bank ATM

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+1 (800) 447-2265