Payday Loans in Caddo, Texas

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

Company nameAddressZip codePhone number
Cash America Pawn 28048 TX-249 Ste F, Tomball, TX 77375 +1 (281) 351 - 2274
Texas Car Title & Payday Loan Services, Inc. 6224 Fm 1179 &, Mesco Dr, Bryan, TX 77808 +1 (979) 731 - 1408
Guild Mortgage Company 406 N Grand Ave 103, Gainesville, TX 76240 +1 (940) 612 - 4000
Capital Farm Credit 456 N Jefferson St, La Grange, TX 78945 +1 (979) 968 - 5750
J&B Quick Cash 1015 Gilmer St, Sulphur Springs, TX 75482 +1 (903) 919 - 5111
Cash Works 2102 Wood St, Texarkana, TX 75501 +1 (903) 793 - 5626
Western Finance 206 W Knox St, Ennis, TX 75119 +1 (972) 875 - 6844
VIP Title Loans 12095 Garland Rd, Dallas, TX 75218 +1 (214) 319 - 6699
Citizens State Bank 101 NW 2nd St, Hubbard, TX 76648 +1 (254) 576 - 1333
Riverside Bank 3745 TX-19, Huntsville, TX 77320 +1 (936) 594 - 3510

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Caddo, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Huntsville, TX, Payday Loans in Hurst, TX, Payday Loans in Irving, TX, Quick Loan in Keller, TX, Online Loans in Killeen, TX, Payday Loans in Kyle, TX, Payday Loans in La Porte, TX and Emergency Loan in Lancaster, 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 Caddo, TX.

Are Payday Loans Legal In Caddo, 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

Caddo, TX payday loan calculator

Payday Loans in Caddo, Texas: What You Need to Know

If you live in Caddo, Texas, you might be looking for an easy way to get cash when you’re in a financial bind. Payday loans can be a tempting option, but they come with risks. Payday loans are legal in Louisiana, but they have been highly regulated by the state government to ensure consumer protection and fair lending practices.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They’re designed to help you cover unexpected expenses or financial emergencies. To qualify for a payday loan, you typically need to have a job, a checking account, and a valid ID.

When you apply for a payday loan, you’ll usually be asked to write a post-dated check for the amount of the loan plus fees. The lender will hold onto the check and cash it on your next payday. If you’re unable to pay back the loan on time, the lender can cash the check and charge additional fees, potentially leading to a cycle of debt.

Are Payday Loans a Good Idea?

Payday loans can be convenient when you need cash quickly, but they come with high interest rates and fees. In Texas, lenders can charge up to 10% interest on a payday loan, plus an additional fee of up to $30 per $100 borrowed. This can add up quickly for borrowers who are unable to repay the loan on time.

If you’re considering a payday loan, it’s important to weigh the costs and risks carefully. You may want to consider other options, such as borrowing from friends or family, applying for a personal loan from a bank or credit union, or seeking assistance from a non-profit organization that provides financial counseling and assistance.

How to Apply for a Payday Loan

If you decide to apply for a payday loan, there are several steps you can take to ensure a smooth application process:

  • Gather the necessary documentation, including proof of income, identification, and a checking account statement
  • Research lenders to find a reputable company that follows fair lending practices
  • Compare fees and interest rates to find the best deal
  • Read the terms and conditions carefully and ask any questions you have before signing the loan agreement
  • Make sure you’ll be able to repay the loan on time to avoid additional fees and interest charges

Interesting Facts and Statistics about Payday Loans in Caddo, Texas

  • In 2019, the average payday loan in Texas was around $470
  • Over 80% of payday loans in Texas are rolled over or renewed at least once
  • On average, borrowers in Texas pay $23 in fees and interest for every $100 borrowed

Conclusion

If you’re considering a payday loan in Caddo, Texas, it’s important to understand the risks and costs involved. Payday loans can be a helpful tool in certain situations, but they’re not a long-term solution to financial problems. Before you apply for a payday loan, consider your options and make sure you can repay the loan on time to avoid additional fees and interest charges.

Apply Now

If you’re ready to apply for a payday loan, TheGuaranteedLoans can help connect you with potential lenders in Caddo, Texas. We’re a connector service, not a direct lender, so we can help you find the best loan offer for your needs. To get started, fill out our online application and we’ll match you with lenders who may be able to offer you a loan.

F.A.Q.

What are the fees and interest rates associated with payday loans in Caddo, Texas?

Payday loans in Caddo, Texas have a maximum APR of 661%. Lenders are also allowed to charge a loan origination fee of up to $10 per $100 borrowed, as well as a database verification fee of up to $2.50 per loan.

Can I rollover my payday loan in Caddo, Texas?

No, rollovers are not allowed for payday loans in Caddo, 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.