Payday Loans in Ben Bolt, Texas

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

Company nameAddressZip codePhone number
Coleman County Title Company 108 W Live Oak St, Coleman, TX 76834 +1 (325) 625 - 4628
First Federal Savings & Loan 2310 Phelps Ave, Littlefield, TX 79339 +1 (806) 385 - 7511
Thrivent Financial for Lutherans 304 S Daugherty Ave, Eastland, TX 76448 +1 (254) 212 - 3193
Payment 1 Financial 4212 Ayers St, Corpus Christi, TX 78415 +1 (361) 452 - 0258
World Finance 100 S Commerce St, Lockhart, TX 78644 +1 (512) 398 - 4434
Check n Go 3523 Palmer Hwy, Texas City, TX 77590 +1 (409) 945 - 4492
Regional Finance 3482 Catclaw Dr, Abilene, TX 79606 +1 (325) 307 - 6626
Insta Cash Cooper Medlin Market, 3200 S Cooper St 100, Arlington, TX 76015 +1 (817) 465 - 2666
Texas Plains Federal Credit Union 123 N Maxwell Ave, Tulia, TX 79088 +1 (806) 995 - 2480
Commercial Bank of Texas, N.A. 170 Quitman St, Emory, TX 75440 +1 (903) 473 - 2611

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ben Bolt, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Grand Prairie, TX, Emergency Loan in Grapevine, TX, Payday Loans in Haltom City, TX, Quick Loan in Harlingen, TX, Payday Loans in Houston, TX, Payday Loan Without a Credit Check in Huntsville, TX, Emergency Loan in Hurst, TX and Payday Loans in Irving, 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 Ben Bolt, TX.

Are Payday Loans Legal In Ben Bolt, 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

Ben Bolt, TX payday loan calculator

The Ins and Outs of Payday Loans in Ben Bolt, Texas

Payday loans have become a popular financial tool for many Americans to navigate unexpected expenses and emergencies. In Texas, payday loans are legal, but there are certain regulations in place to protect borrowers from predatory lending practices. If you’re considering a payday loan in Ben Bolt, Texas, here’s what you need to know.

What are Payday Loans?

A payday loan is a short-term, high-interest loan typically used by borrowers who need quick cash. The loan amount is usually small, ranging from $100 to $500, and is designed to be repaid on the borrower’s next payday. In Texas, payday loans typically have a term of 14 to 31 days, depending on the loan amount.

How Do Payday Loans Work in Ben Bolt, Texas?

In Ben Bolt, Texas, payday loans function similarly to other states. The borrower writes a postdated check to the lender for the loan amount, plus fees, and receives cash in return. The lender, in turn, cashes the check on the borrower’s payday to collect repayment.

As of the writing of this article, the maximum payday loan amount in Texas is $1,800.

What Fees Can You Expect?

There are several fees associated with payday loans in Ben Bolt, Texas. The fees can include:

  • Interest charges, which can be as high as 662.14 percent on a loan.
  • Finance charges, which can be up to 10 percent of the loan amount.
  • Acquisition charges, which can be up to $30 on a loan of $100.
  • Verification fees, which can be up to $5.
  • Credit insurance premiums, if they are included in the loan.

It’s important to note that Texas payday loan lenders are required to disclose the full cost of the loan to the borrower before they sign the loan agreement.

Are There Any Restrictions on Payday Loans in Ben Bolt, Texas?

Yes, there are several restrictions on payday loans in Texas, including:

  • A borrower cannot take out more than one payday loan at a time.
  • The total amount of payday loans a borrower can take out cannot exceed 20 percent of the borrower’s gross monthly income.
  • The lender must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).

What Happens if You Can’t Repay the Loan?

If you can’t repay the loan on your payday, the lender can charge additional fees and interest. If you don’t repay the loan, the lender can take legal action to collect the debt.

Why Choose TheGuaranteedLoans?

At TheGuaranteedLoans, we understand that unexpected expenses can pop up at any time, leaving you in a financial bind. We’re here to help connect you with potential lenders in Ben Bolt, Texas who may be able to provide you with a payday loan. Our loan application process is easy and straightforward, and we work with a network of reputable lenders to ensure that you get the best loan terms possible.

Apply Now

Fill out our quick and easy loan application form on our website to get started. Remember, TheGuaranteedLoans is a connecting service and not a direct lender. We are here to connect you with potential lenders and help you get the cash you need today.

Interesting Facts and Statistics

  • There are more than 2,000 payday lenders in Texas.
  • Texas borrowers pay an average of $23 in fees and interest for every $100 borrowed.
  • The average annual percentage rate (APR) for a payday loan in Texas is 574 percent.
  • In 2019, Texas payday lenders made more than 2.7 million loans totaling more than $1.4 billion.

Conclusion

While payday loans can be a useful tool for borrowers in need of quick cash, they should be used with caution. In Ben Bolt, Texas, payday loans are legal, but borrowers should be aware of the fees and restrictions imposed on them by the state. If you’re considering a payday loan, be sure to understand the full cost of the loan and your repayment obligations, and consider using a connecting service like TheGuaranteedLoans to find the best loan terms possible.

F.A.Q.

Are payday loans in Ben Bolt, Texas regulated by the state government?

Yes, payday loans in Ben Bolt, Texas are regulated by the state government. This includes restrictions on the maximum amount you can borrow, the maximum loan term, and the fees and charges that lenders are allowed to charge.

Is it possible to get a payday loan in Ben Bolt, Texas with bad credit?

Yes, it is possible to get a payday loan in Ben Bolt, Texas with bad credit. Most payday lenders do not require a credit check, so your credit score will not affect your eligibility for a loan. However, you may still be required to provide proof of income and other information to qualify for a payday loan.