Payday Loans in Benjamin, Texas

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

Company nameAddressZip codePhone number
EZPAWN 741 N Grand Ave, Gainesville, TX 76240 +1 (940) 668 - 6825
check n go, Check n Go Store Directory 2002 N Main St Ste 100, Pearland, TX 77581 +1 (281) 997 - 2952
American State Bank 102 Front St, Arp, TX 75750 +1 (903) 859 - 1100
Security Finance 206 S, Main St, Muleshoe, TX 79347 +1 (806) 272 - 3673
Sun Loan Company 205 Denrock Ave, Dalhart, TX 79022
Larry The Lender 5373 W Alabama St 425, Houston, TX 77056 +1 (713) 662 - 9000
ACE Cash Express 110 Truly Plz, Cleveland, TX 77327 +1 (281) 592 - 0549
Security Finance 251 SW Wilshire Blvd Suite 121, Burleson, TX 76028 +1 (817) 295 - 2262
People's Finance Co 240 E Austin St, Giddings, TX 78942 +1 (979) 542 - 2122
Account Services 1802 NE Interstate 410 Loop 400, San Antonio, TX 78217 +1 (210) 821 - 1222

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Benjamin, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Sherman, TX, Payday Loan for Socorro, TX, Payday Loans in Southlake, TX, Emergency Loan in Spring, TX, Bad Credit Loans in Sugar Land, TX, No Credit Check Loans in Temple, TX, Payday Loans in Texarkana, TX and 24-Hour Loan in Texas 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 Benjamin, TX.

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

79505

Are Payday Loans Legal In Benjamin, 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

Benjamin, TX payday loan calculator

The Truth About Payday Loans in Benjamin, Texas

Are you a resident of Benjamin, Texas, who needs help when it comes to sudden expenses? Are you considering taking out a payday loan? If so, TheGuaranteedLoans is here to help you. In this article, we will cover everything you need to know about payday loans in Benjamin, Texas, so you can make an informed decision about your financial situation.

What are Payday Loans?

If you don’t know what payday loans are, let’s go over the basics. A payday loan is a short-term loan that can help you cover emergency expenses that cannot wait until your next paycheck. Typically, these loans are small and have to be repaid within two weeks. Payday loans are also known as check advance loans, cash advance loans, post-dated check loans, or deferred deposit loans.

Payday loans can be beneficial in situations where you need quick cash, but it’s important to remember that they come with high fees and interest rates. Additionally, payday lenders often require access to your bank account or a post-dated check for the amount of the loan plus fees.

Payday Loans are Legal in Texas

In Texas, payday loans are legal, but the state has laws in place to protect consumers from predatory lenders. The Texas Finance Code regulates payday lenders and caps the interest rates they can charge. Currently, the maximum interest rate that can be charged on a payday loan in Texas is 10% for loans under $2,000. Additionally, lenders are not allowed to lend more than 20% of a borrower’s gross monthly income.

How to Apply for a Payday Loan in Texas

If you decide to apply for a payday loan in Benjamin, Texas, you will need to meet certain requirements. You must have a steady income, be at least 18 years old, have an active bank account, and provide a valid form of identification.

To apply for a payday loan, you will need to provide personal information, such as your name, address, and phone number. You will also need to provide your employer’s name and address, as well as your income information. Once you apply, the lender will verify your information and make a decision on whether to approve your loan.

The Pros and Cons of Payday Loans

  • Pros:
    • Quick and easy application process
    • No credit check required
    • Can help you cover unexpected expenses
  • Cons:
    • High fees and interest rates
    • Short repayment term
    • Can lead to a cycle of debt
    • Not a long-term solution to financial problems

Interesting Facts about Payday Loans in Benjamin, Texas

  • Only six percent of Texans who take out payday loans are able to repay them within the original two-week term, according to a study by the Office of the Consumer Credit Commissioner.
  • Payday loan borrowers in Texas pay an average of $23 in interest for every $100 borrowed.
  • Texas has the highest payday loan fees in the country, with an average fee of $22 per $100 borrowed.

Apply Now for a Payday Loan in Benjamin, Texas

If you need cash fast to cover unexpected expenses, TheGuaranteedLoans can help you connect with potential lenders for payday loans in Benjamin, Texas. Our application process is fast and easy, and you could receive a decision in minutes. Remember, we are a connector service and not a direct lender. We facilitate connections between borrowers and reputable lenders who can provide them the loans they need most. Apply now and take the first step towards financial security.

Remember, payday loans can be a useful resource in times of financial need, but they come with high fees and interest rates. Make sure you understand all the terms and conditions before signing any agreements, and be sure you can repay the loan on time to avoid additional fees and charges.

F.A.Q.

Can I apply for a payday loan online in Benjamin, Texas?

Yes, many payday lenders in Benjamin, Texas offer the option to apply for a loan online. This can be a convenient option for borrowers who prefer to apply from the comfort of their own home or who do not have access to a physical payday loan store.

What information do I need to provide when applying for a payday loan in Benjamin, Texas?

When applying for a payday loan in Benjamin, Texas, borrowers will typically need to provide proof of income, a valid government-issued ID, and proof of a checking account. Lenders may also require additional information, such as references or proof of residence.