Payday Loans in Barstow, Texas

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

Company nameAddressZip codePhone number
Freddy's Fast Cash 1101 E 5th St, Tyler, TX 75701 +1 (833) 373 - 3391
EZ Money Payday & Title Loans 103 N Lutterloh Ave, Gatesville, TX 76528 +1 (254) 865 - 9198
GECU 10860 N Loop Dr, Socorro, TX 79927 +1 (915) 778 - 9221
Adkins United Finance Co 306 Clarksville St, Paris, TX 75460 +1 (903) 785 - 0651
Classic Bank 102 N Houston Ave, Cameron, TX 76520
TEXAS CASH 320 E Main St, Atlanta, TX 75551 +1 (903) 799 - 7651
David George - Raymond James 10852 Osburn Rd, Pilot Point, TX 76258 +1 (940) 365 - 1954
Walmart Money Center 2207 S Bridge St, Brady, TX 76825
ACE Cash Express 6245 Rufe Snow Dr Ste 100, Watauga, TX 76148 +1 (817) 428 - 8008
Security Finance 130 N University Dr Suite 101, Nacogdoches, TX 75961 +1 (936) 569 - 9491

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Barstow, TX, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Victoria, TX, Payday Loans in Waco, TX, Payday Loan Companies in Waxahachie, TX, Payday Loans in Weslaco, TX, Payday Loans in Wichita Falls, TX, 24-Hour Loan in Wylie, TX, Short-term Loans in Abilene, TX and Payday Loans in Allen, 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 Barstow, TX.

Payday Loans Available in Barstow, TX By The Following ZIP Codes:

79719

Are Payday Loans Legal In Barstow, 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

Barstow, TX payday loan calculator

Understanding Payday Loans in Barstow, Texas

Are you a resident of Barstow, Texas, facing a financial emergency that requires immediate attention? A payday loan is a viable option you could consider, given the unpredictable nature of life’s financial obligations. Payday loans are not only legal in Texas but are also popular among residents with low credit scores, who may not qualify for traditional bank loans.

As a first-time borrower, you may have several questions regarding payday loans in Barstow, Texas. This article will help you understand the basics, including eligibility requirements, regulations governing the industry, and how to apply, among other things.

What is a payday loan?

A payday loan is a short-term loan, usually meant to cover unexpected expenses or bridge the gap between paychecks. The borrower typically writes a post-dated check for the amount borrowed and fees charged to the lender in exchange for cash, which they receive on the spot. Payday loans in Texas have a maximum loan amount of $1,800, with a maximum term of 180 days.

Regulations governing payday loans in Barstow, Texas

While payday loans in Texas are legal, the state has put in place measures to protect borrowers from predatory lenders. The State regulates both storefront and internet lenders to conduct business ethically and ensure transparency in transactions. As a borrower, you are entitled to know the charges and fees the lender charges before signing up for a loan. The maximum annual percentage rate (APR) for payday loans in Texas is 664.08%.

If you feel that a lender has taken advantage of you, you can file a complaint with the Texas Office of the Consumer Credit Commissioner.

Eligibility requirements to obtain a payday loan in Barstow, Texas

The eligibility requirements for payday loans in Texas are minimal, making these loans accessible to many people. To qualify for a payday loan, you must:

  • Have a stable source of income, whether from a job, government benefits, or self-employment.
  • Be 18 years or older and a US citizen or permanent resident.
  • Have an active checking account.
  • Provide a government-issued ID and other required documents, such as proof of income.

How to apply for a payday loan in Barstow, Texas

Applying for a payday loan in Barstow, Texas, is a simple process that involves the following:

  • Fill out an online application on TheGuaranteedLoans website, including personal and financial information such as your name, address, income, and bank details.
  • Submit the application, and wait for lender responses.
  • Choose a lender and review the terms and conditions before signing the agreement.
  • Receive cash or a credit to your bank account on the same day or the next business day.

It is important to note that TheGuaranteedLoans is not a direct lender but a connector service that matches borrowers with potential lenders. Our service does not guarantee approval or the best offers, but we are committed to working with reputable lenders that adhere to industry regulations.

Interesting Facts and Statistics about payday loans in Barstow, Texas

  • Almost 3 million Texans took out payday loans in 2019, with the average loan amount being $470.
  • The number of payday lenders in Texas has decreased from 3,000 in 2010 to 1,000 in 2020, due to tighter regulations and increased competition.
  • Barstow, Texas, has a dozen payday lenders, with most located on South Main Street.
  • 78% of payday loans are used to pay for recurring expenses such as rent and utility bills.

Apply Now

If you find yourself in need of a payday loan in Barstow, Texas, head over to TheGuaranteedLoans website and fill out an online application. Bear in mind that we are not a lender, but a connector service that works with lenders vetted for their reputation and adherence to industry regulations.

Ensure you read and understand the terms and conditions of the lender you choose, such as the interest rate and repayment period. If you have any questions or concerns, do not hesitate to contact the lender or our customer service team for clarification.

Payday loans can be a useful tool in times of emergencies. However, it is crucial to borrow responsibly and repay the loan on time to avoid falling into a debt cycle.

Conclusion

Payday loans in Barstow, Texas, offer a quick solution for individuals faced with financial emergencies and who cannot access traditional bank loans. While these loans have their benefits, they also come with high-interest rates and fees that may take a toll on your finances if not repaid on time. Before applying for a payday loan, do your due diligence and ensure you borrow from a reputable lender you can trust.

F.A.Q.

Can I rollover my payday loan in Barstow, Texas?

No, rollovers are not allowed for payday loans in Barstow, Texas. Borrowers who cannot repay their loan on the due date may be able to request an extended payment plan, but this is not guaranteed.

Can I take out multiple payday loans in Barstow, Texas at the same time?

No, borrowers are only allowed to have one outstanding payday loan at a time in Barstow, Texas. This is to prevent borrowers from getting trapped in a cycle of debt.