Payday Loans in Batesville, Texas

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

Company nameAddressZip codePhone number
Approved Money Center 2604 W Pecan St B, Pflugerville, TX 78660 +1 (512) 990 - 3160
ACE Cash Express 401B TX-78 b, Wylie, TX 75098 +1 (972) 429 - 1788
Raymond James Financial Services 2626 John Ben Shepperd Pkwy, Odessa, TX 79761 +1 (432) 362 - 0600
Atlas Credit Co., Inc. 517 E Abram St, Arlington, TX 76010 +1 (817) 221 - 8440
Cash Credit Co 106 Michigan Ave, San Antonio, TX 78201 +1 (210) 227 - 1356
Republic Finance 1928 S Seguin Ave Suite 108, New Braunfels, TX 78130 +1 (830) 643 - 0334
ACE Cash Express 830 N Main St, Vidor, TX 77662
Woodforest National Bank 1406 E Milam St, Mexia, TX 76667 +1 (254) 472 - 0900
The First State Bank 505 E Boling Hwy, Wharton, TX 77488 +1 (979) 532 - 0404
Action Credit, El Paso 6590 Montana Ave Unit E, El Paso, TX 79925 +1 (915) 313 - 4790

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Batesville, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Edinburg, TX, Emergency Loan in El Paso, TX, Payday Loan Companies in Euless, TX, Short-term Loans in Farmers Branch, TX, No Credit Check Loans in Flower Mound, TX, Payday Loans in Fort Worth, TX, Payday Loans in Friendswood, TX and Quick Loan in Frisco, 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 Batesville, TX.

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

78829

Are Payday Loans Legal In Batesville, 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

Batesville, TX payday loan calculator

Payday Loans in Batesville, Texas: A Comprehensive Guide

When you’re in a tight financial spot and need quick cash, payday loans can seem like a lifesaver. In Batesville, Texas, payday loans are legal and easily accessible. But before you jump into the world of payday lending, it’s important to understand how these loans work, what your rights are as a borrower, and what alternatives are available. In this article, we’ll cover everything you need to know about payday loans in Batesville, Texas.

How Do Payday Loans Work?

Payday loans are short-term loans that are designed to help you bridge the gap between paychecks. Typically, payday lenders offer small-dollar loans, anywhere from $100 to $1,500, with repayment terms of two to four weeks. To get a payday loan, you’ll need to show proof of income and a bank account. Some lenders may also require a post-dated check or authorization to withdraw funds from your account on your next payday.

When you take out a payday loan, the lender will charge you a fee, typically around $15 per $100 borrowed. This fee can add up quickly if you’re unable to repay the loan on time, which is a common problem for many borrowers. According to the Consumer Financial Protection Bureau (CFPB), the average payday loan is rolled over eight times, meaning borrowers end up paying more in fees than in principal.

What Are Your Rights as a Borrower?

As a borrower, you have certain rights when it comes to payday loans in Batesville, Texas. The state has laws in place to protect consumers from predatory lending practices. For example, lenders are required to provide you with a written agreement that outlines the terms of the loan, including the total cost of the loan and the APR (annual percentage rate). They must also explain what will happen if you can’t repay the loan on time, including any fees or penalties that may apply.

In Texas, there are no caps on the fees or interest that payday lenders can charge. However, there are limits on how many times a loan can be rolled over, and lenders must adhere to strict disclosure requirements. They must also be licensed with the Texas Office of Consumer Credit Commissioner.

What Are the Alternatives to Payday Loans?

While payday loans can seem like a quick fix, they’re not always the best option. If you’re struggling to make ends meet, there are alternatives to consider. Here are a few:

  • Personal Loans: Personal loans can be a good option if you have decent credit and need to borrow a larger amount of money. Unlike payday loans, personal loans typically have lower interest rates and more flexible repayment terms.
  • Credit Counseling: If you’re struggling with debt, credit counseling can help you develop a plan to manage your finances and pay off your debts.
  • Alternative Financial Services: Batesville has several nonprofit organizations that provide alternative financial services, such as small-dollar loans and financial education.

Interesting Facts and Statistics about Payday Loans in Batesville, Texas

  • Payday lending is a $6 billion industry in Texas, according to the Center for Public Policy Priorities.
  • 87% of payday loan borrowers in Texas are charged fees that exceed the amount borrowed.
  • The average payday loan in Texas is $470, and the average repayment time is 17 days.

Apply Now:

Looking to get a payday loan in Batesville, Texas? TheGuaranteedLoans can help. We connect borrowers with potential lenders, making the process fast, easy, and secure. To get started, fill out our online application. Remember, we are not a direct lender and do not make credit decisions. We are a connector service, and we’ll do our best to match you with a lender that meets your needs.

Conclusion

Payday loans can be a useful tool for those who need quick cash, but they’re not without risks. As a borrower, it’s important to understand how these loans work, your rights, and your alternatives. By doing your research and being informed, you can make the best decision for your financial situation.

F.A.Q.

Can I cancel a payday loan in Batesville, Texas?

Yes, borrowers in Batesville, Texas have the right to cancel a payday loan within 72 hours of taking out the loan. To do so, the borrower must return the full amount of the loan and any associated fees to the lender.

Are there any alternative options to payday loans in Batesville, Texas?

Yes, there are several alternative options to payday loans in Batesville, Texas, such as personal loans from banks or credit unions, borrowing from friends or family, or seeking assistance from non-profit organizations. These options may have lower interest rates and fees, and can help borrowers avoid the potential pitfalls of payday loans.