Payment 1

Payment 1 is a lender with personal installment loans, auto title loans and tax preparation and filing services. Its personal loans run from $2,500 to $10,000 in Texas, with terms of 12 to 24 months, and the APR range is listed as 35.99% to 27.58%. Loan amounts and rates vary by state, credit history and income. Payment 1 has storefront locations across Texas, Oklahoma, Missouri and New Mexico, and loans can be applied for online.

Same-day approval depends on when an application is submitted, and certain restrictions may apply. The company says its tax services can help with a refund advance. The rate examples and terms on the site are for a standard borrower with a 650 to 780 credit score, so the actual cost of a loan depends on the individual application.