Payday Loans in Artesia Wells, Texas

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No payday loan companies in Artesia Wells, TX. Consider companies in other cities:

Company nameAddressZip codePhone number
Reliable Finance Co 515 W Oaklawn Rd # D, Pleasanton, TX 78064
First United Bank 220 E Main St, Earth, TX 79031 +1 (806) 257 - 3451
Rio Grande Valley Abstract Co 5800 Padre Blvd 115, South Padre Island, TX 78597 +1 (956) 761 - 2116
EZPAWN 103 N Lutterloh Ave, Gatesville, TX 76528 +1 (254) 865 - 9198
World Finance 101 S Oak St Ste A, Pearsall, TX 78061 +1 (830) 334 - 9335
Security Finance 301 US-281 Suite C, Lampasas, TX 76550 +1 (512) 556 - 4138
Jackson Hewitt Tax Service 1915 TX-71, La Grange, TX 78945 +1 (979) 943 - 5207
National Commercial Property Loans Inc 14860 Montfort Dr 200, Dallas, TX 75254 +1 (888) 440 - 3278
Texan Credit Corporation 3311 Palmer Hwy, Texas City, TX 77590 +1 (409) 941 - 0610
ACE Cash Express 1789 Fry Rd, Katy, TX 77449 +1 (281) 398 - 0714

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Artesia Wells, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lufkin, TX, Payday Loans in Mansfield, TX, Payday Loans in McAllen, TX, Payday Loan Without a Credit Check in McKinney, TX, Payday Loans in Mesquite, TX, Short-term Loans in Midland, TX, Payday Loans in Mission, TX and Short-term Loans in Missouri City, TX. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Artesia Wells, TX.

Are Payday Loans Legal In Artesia Wells, Texas?

Loan Rates and Fees, Laws and Regulations in Texas.

Texas Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)662
Maximum Loan AmountNot Specified
Minimum Loan Term7 days
Maximum Loan TermVaries
Number of Rollovers Allowed0
Finance Charges>$30 => $1 for each $5 [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35) [$35 – $70] => $3.50/mo + $4/mo (>$70) >$100 => $10 + $4/mo for each $100

Artesia Wells, TX payday loan calculator

Understanding Payday Loans in Artesia Wells, Texas

Payday loans have been a popular choice for many Americans who find themselves in sudden financial need. These are short-term, often high-interest loans that are meant to be repaid on the borrower’s next payday. Despite the controversies surrounding them, payday loans are legal in Texas, including in Artesia Wells.

How Do Payday Loans Work?

Payday loans are designed to help people quickly access cash for unexpected expenses. Most payday lenders in Artesia Wells require borrowers to provide proof of income and may carry out a credit check to assess the borrower’s ability to repay the loan. Once approved, the borrower receives the requested loan amount, which typically ranges from $100 to $1,000, depending on the lender.

The borrower then repays the loan amount – including interest and fees – on their next payday. In Texas, the maximum loan amount is $1,800, with loan terms ranging from seven to 31 days. The interest rates charged on payday loans can be quite high, with many lenders charging APRs of 400% or more.

Regulations on Payday Loans in Artesia Wells, Texas

Like most states in the USA, Texas has regulations in place to protect borrowers from predatory lenders. Payday lenders in Artesia Wells are required to adhere to the Texas Finance Code, which prohibits lenders from charging more than 10% of the loan amount in fees. Lenders are also required to disclose the loan’s terms and conditions, including the interest rate and any fees charged.

While payday loans can be a useful solution for short-term financial problems, borrowers should be cautious when considering them. These loans often come with high-interest rates and fees, making them very expensive in the long run. Furthermore, if the borrower can’t repay the loan amount on time, they may face additional charges and damage to their credit score.

Interesting Facts about Payday Loans in Artesia Wells, Texas

  • As per Texas Office of Consumer Credit Commissioner, the average payday loan APR in Texas was 662% in 2017.
  • In 2017, Texans took out 2.6 million payday loans, totaling $1.6 billion in loan principal.
  • According to the Center for Public Policy Priorities, Texas has more payday lenders than any other state in the United States, with over 2,000 storefronts operating in the state.

Apply Now

At TheGuaranteedLoans, we work with a large network of reputable lenders who are ready to help you with your financial needs. If you need a payday loan in Artesia Wells, Texas, we can connect you with a lender who meets your requirements. Whether you have poor credit or are unemployed, we can help you find a lender willing to work with you. Fill out our online application now to get started.

Note: TheGuaranteedLoans is a connecting platform and not a direct lender. We don’t make any loan decisions, and we don’t charge any fees for our services. Our goal is to connect borrowers with reputable lenders who can help them with their financial needs.

F.A.Q.

Can I roll over my payday loan in Artesia Wells, Texas?

Yes, Texas law allows payday loans to be rolled over or extended, but only once per loan. This means that if you are unable to repay the loan on the due date, you can extend the loan for an additional 14 days, but you will be charged additional fees and interest for this service.

Can I obtain a payday loan in Artesia Wells, Texas if I have bad credit?

Yes, payday loans in Artesia Wells, Texas are typically available to individuals with bad credit. Lenders do not typically require a credit check, but may still require proof of income and a valid checking or savings account.