Unexpected expenses happen. Whether it's medical bills, car repairs, or overdue rent — we're here to help.
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Unexpected expenses don't wait for a convenient time.
Medical Bills
Avg. cost: $150 – $1,000+ER copays, urgent care visits, prescriptions, and out-of-pocket costs that insurance doesn't cover.
Car Repairs
Avg. cost: $400 – $1,500Brakes, transmission issues, AC repair, tires — in Texas, your car is your livelihood.
Home Repairs
Avg. cost: $300 – $1,200Plumbing leaks, HVAC failures, electrical issues. Small problems become big ones fast.
Overdue Bills
Avg. cost: $200 – $800Utility shutoffs, late rent, or catching up after a tough month. Get back on solid ground.
Cost ranges are general estimates based on typical Texas expenses.
Get your loan in three simple steps
See if you qualify quickly and securely
Know where you stand in minutes — no waiting, no guessing.
Get funds deposited in your account as soon as the next business day.
Apply for Emergency Funds
Unexpected expenses don't wait. Neither should you.
Apply Now →Cash Loans Direct is not a lender in Texas. Instead, we work with other lenders. This means we help connect customers with direct lenders who can give them safe and secure loans. Cash Loans Direct is licensed in the State of Texas as a Credit Access Business (CAB).
If you get approved for a loan, Cash Loans Direct will help you with the paperwork and manage your loan. You will still need to pay back the lender, but Cash Loans Direct will be the main company you talk to if you have questions, problems, or need to make payments.
Consumer Disclosures
Fee Schedule
Texas Installment Loan Fee ScheduleLicense/Registration
Cash Loans Direct is a state-licensed credit access business (CAB) and maintains a partnership(s) with a third party direct lender(s) to facilitate safe and secure loans for our customers. Cash Loans Direct is not a lender in the state of Texas. All loans are made by an unaffiliated third-party lender R-Funding LLC.
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: 800-538-1579. Fax: 512-936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov.