Texas rates and terms

Savvy Loans FAQs

What do I need to apply? How do I qualify?

In order for your online loan application to be considered, you must:

Be at least 18 years old
Have a valid Social Security Number (SSN)
Be a resident of Texas
Have no direct or indirect affiliation with the U.S. military
Possess a checking account

Savvy is built on responsible lending. You must be able to comfortably meet your repayments — if borrowing from Savvy would put you under financial strain, we won’t be able to approve your loan.

Every application is subject to approval, and we look forward to reviewing yours!

When will the money be in my account?

If your application is approved during business hours, you can typically expect to receive your funds within up to 3 business days.

However, bank processing times can vary, which may cause slight delays. But don’t worry—Savvy will do everything possible to get your funds to you as soon as possible!

Why should i choose small easy online loans with Savvy?

When it comes to online lending in Texas, We Are Savvy and Simple. Our fast and hassle-free application process makes getting a loan easy. With real-time tracking through your Savvy Score, you’ll always know your approval chances. Best of all, you can apply from the comfort of home and get your funds in as little as 3 business days!

Can I have more than one loan?

Customers cannot have more than one loan with Savvy at any given time.

At Savvy, we prioritize responsible lending – having multiple loans may affect your ability to repay your existing loans.

You are welcome to apply for a new loan once you have repaid your current loan, in full.

What is the application and approval process like for a loan with Savvy?

Our quick, easy, and 100% online application process is available 24/7—taking as little as 5 minutes to complete. If you apply during business hours, and you’ll usually receive a same-day approval decision. Savvy is your go-to for simple, stress-free loans.

How can I contact Savvy if I have any questions?

Our team is here to help with any questions you have about our quick online loans in Texas. Feel free to reach out to us by calling +1 888 589 5171 or sending an email to hello@savvyloans.com so we can help you have the smoothest Savvy journey

Apply Now Safe and Secure. 5 min application²

[1] Applying for a loan with Savvy usually takes about 3 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.

[2] As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Savvy, if they submit their loan application and all the requested supporting information during a regular business day.

At Savvy Loans, we specialize in providing 'teeny, tiny' short-term loans with lightning-fast approval and flexible repayment options. Operating as both a Credit Service Organization (CSO) and a Credit Access Business (CAB) in Texas, Savvy offers you access to loans without the red tape, long processes, or complicated legal speak.

Partnering with trusted third-party lenders, we ensure a seamless process while focusing on what we do best – helping you secure the funds you need for life's unexpected expenses.

Like other CABs and CSOs, we prioritize quick funding and flexible repayments to bridge short-term financial gaps. However, what sets Savvy apart is our commitment to your financial literacy and long-term financial well-being. With the imminent launch of our innovative Savvy Credit Score system, this rings truer than ever before. This will empower you to make sound financial decisions and cultivate healthy spending and savings habits with an increasing score when good financial decisions are made, making your next loan application more favorable.

Texas: Good News Group, LLC DBA Savvy Loans is licensed as a Credit Access Business (CAB), License No. 2300074529-170223, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20230057, by the State of Texas. Savvy Loans is NOT a lender in the state of Texas. All loans for which Savvy Loans acts as a CSO/CAB are funded by an unaffiliated third-party lender, Hillcrest Private Credit Funding I, LLC, and serviced by Savvy Loans.