Payday Loans in Bivins, Texas

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

Company nameAddressZip codePhone number
Security Finance 701 E Main St Ste. 155A, Tomball, TX 77375 +1 (281) 255 - 6639
Larry The Lender 5373 W Alabama St 425, Houston, TX 77056 +1 (713) 662 - 9000
Texas Cash Pawn Shop 300 W Corsicana St, Athens, TX 75751 +1 (903) 677 - 5995
Famsa 204 E Expressway 83 Ste 3, La Joya, TX 78560 +1 (956) 598 - 5992
Covington Credit 1260 E Main St, Alice, TX 78332
Advanced Money Center 1801 W Harrison Ave, Harlingen, TX 78550 +1 (956) 440 - 8590
Security Finance 3719 N Fry Rd Ste D, Katy, TX 77449 +1 (281) 492 - 9111
AgTexas Farm Credit Services 2015 Hobbs Hwy, Seminole, TX 79360 +1 (432) 758 - 3201
ACE Cash Express 1508 Wildcat Dr, Portland, TX 78374 +1 (361) 777 - 0824
Republic Finance 4700 FM 365 Suite N, Port Arthur, TX 77642 +1 (409) 722 - 3200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bivins, TX, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Pharr, TX, Payday Loans in Plano, TX, Payday Loans in Port Arthur, TX, Payday Loans in Richardson, TX, Emergency Loan in Rockwall, TX, Payday Loans in Rosenberg, TX, Payday Loans in Round Rock, TX and Payday Loans in Rowlett, 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 Bivins, TX.

Are Payday Loans Legal In Bivins, 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

Bivins, TX payday loan calculator

Payday Loans in Bivins, Texas: An Overview

If you’re struggling to make ends meet in Bivins, Texas, you may be considering a payday loan. These loans are designed to help consumers bridge the gap between paychecks, and they’re available in Texas. However, it’s important to understand the pros and cons of payday loans, and how they work in Bivins.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They’re often used to cover unexpected expenses or bills that can’t wait until the next payday. In Texas, payday loans can be up to $1,800 and can have a repayment period of up to 180 days.

Pros of Payday Loans in Bivins

  • Quick and easy application process
  • No credit check required
  • Can help in emergency situations
  • Easier to qualify for than traditional loans

Cons of Payday Loans in Bivins

  • High-interest rates and fees
  • Can lead to a cycle of debt if borrowers can’t repay on time
  • May require access to a borrower’s bank account or pay stubs
  • Can negatively impact credit scores if not repaid on time

How Payday Loans Work in Bivins

In Bivins, payday lenders must be licensed and comply with all state regulations. This includes disclosing all fees and rates associated with the loan, as well as providing borrowers with a written agreement. Lenders may not charge more than 10% of the loan amount in fees.

Borrowers must be at least 18 years old and have a steady source of income to qualify for a payday loan. They’ll need to provide proof of income, such as a pay stub or bank statement, as well as a valid government-issued ID and proof of residency.

Once approved, borrowers will receive the loan funds electronically or in cash. They’ll have until their next payday to repay the loan in full, along with any fees and interest. If they can’t repay the loan on time, they may be able to roll over the loan for an additional fee.

The Bottom Line

Payday loans can be a helpful resource for those dealing with unexpected expenses or financial emergencies. However, they’re not a solution to long-term financial problems and can lead to a cycle of debt if used irresponsibly. Borrowers in Bivins should be sure to understand the terms and fees associated with payday loans before applying.

Interesting Facts and Statistics About Payday Loans in Bivins, Texas

  • According to a 2019 study by the Texas Catholic Conference of Bishops, Texans paid over $1.6 billion in fees and interest on payday loans in 2018 alone.
  • A 2016 report by the Texas Observer found that payday lenders in Texas often charge APRs (annual percentage rates) of over 500%, making it difficult for borrowers to repay their loans in full.
  • In 2019, Bivins had a population of just over 1,000, according to the US Census Bureau.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Bivins, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application and we’ll provide you with a list of lenders who may be able to offer you a loan that fits your needs. It’s important to remember that we’re a connector service and not a direct lender, and all loan terms and fees will be determined by the lender you ultimately choose to work with.

F.A.Q.

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

Yes, payday loans in Bivins, 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.

How long does it take to receive a payday loan in Bivins, Texas?

The amount of time it takes to receive a payday loan in Bivins, Texas varies by lender. Some lenders may be able to provide the loan funds within a few hours, while others may take several days. It is important to research and compare lenders to determine which option is best for your needs.