Payday Loans in Chapman Ranch, Texas

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

Company nameAddressZip codePhone number
Barri Office 303 N Washington St, Beeville, TX 78102 +1 (361) 287 - 2013
NAPA Auto Parts - Elsa Auto & Truck Parts 420 S Broadway St 400, Elsa, TX 78543 +1 (956) 567 - 2877
Security Finance 12240 Murphy Rd Suite M, Stafford, TX 77477 +1 (281) 568 - 5626
Cash Store 1884 W Moore Ave, Terrell, TX 75160 +1 (972) 551 - 1213
Capital Farm Credit 115 N Armstrong Ave, Tulia, TX 79088 +1 (806) 995 - 3129
El Paso Credit Inc 600 S Santa Fe St B, El Paso, TX 79901 +1 (915) 545 - 1100
Depot Loans 621 US-87, Dalhart, TX 79022
Cliff's Check Cashing 32 311 E Main St, Midlothian, TX 76065 +1 (972) 775 - 4700
Llano National Bank 8600 Ranch Rd 1431, Buchanan Dam, TX 78609 +1 (512) 793 - 5054
Check n Go 2409 Veterans Blvd STE 11, Del Rio, TX 78840 +1 (830) 774 - 0582

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chapman Ranch, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for League City, TX, Payday Loans in Leander, TX, Payday Loans in Lewisville, TX, No Credit Check Loans in Little Elm, TX, Payday Loans in Longview, TX, Payday Loan Companies in Lubbock, TX, Payday Loans in Lufkin, TX and Payday Loans in Mansfield, 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 Chapman Ranch, TX.

Are Payday Loans Legal In Chapman Ranch, 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

Chapman Ranch, TX payday loan calculator

Understanding Payday Loans in Chapman Ranch, Texas

While there are many lending options available to consumers, payday loans are often a popular choice for those in need of quick cash. Payday loans are a type of short-term loan that provides borrowers with a small sum of cash to be repaid in full on their next payday.

In Texas, payday loans are legal, but restrictions do apply. For those in Chapman Ranch, understanding the benefits and drawbacks of payday loans can help them make informed decisions about their financial needs.

How Payday Loans Work

Payday loans offer consumers an alternative to traditional loans, which are typically longer-term financial instruments. To qualify for a payday loan, a borrower must provide proof of income, such as a pay stub, and a government-issued identification card.

Once approved, a borrower typically receives their cash within a day, and the lender holds onto the postdated check or an authorization to deduct the payment from the borrower’s bank account until the agreed-upon date.

Payday loans come with fees and interest rates, which are often much higher than those of traditional loans, but they can be a quick solution for those with immediate financial needs.

Restrictions on Payday Loans in Texas

While payday loans are legal in Texas, there are some restrictions on how much a person can borrow, the fees they can be charged, and the length of the loan. For example, in Texas, payday loans cannot exceed 20% of the borrower’s gross monthly income, and the loan term cannot be longer than 180 days.

In addition, the state of Texas requires payday lenders to be licensed and follow specific regulations regarding the loan process, which provides borrowers with some level of protection from predatory lending.

The Pros and Cons of Payday Loans

  • Pros: Payday loans are an excellent option for those who need cash quickly but cannot access traditional loans. The application process is simple and straightforward, making it a popular choice for many borrowers.
  • Cons: Payday loans have higher fees and interest rates than traditional loans, making them more challenging to pay back. These loans can create a cycle of debt, leaving borrowers unable to pay back the loan on time and having to take out another payday loan to cover the fees and interest.

Facts and Statistics about Payday Loans in Chapman Ranch, Texas

Here are some interesting facts and statistics about payday loans in Chapman Ranch, Texas:

  • The average payday loan amount in Texas is $468, and the average APR is 661.78%.
  • In Texas, the maximum payday loan amount is $1,800, and the maximum loan term is 180 days.
  • As of April 2021, there are 965 licensed payday lenders in Texas.
  • In 2019, Texans paid over $1.9 billion in payday and auto title loan fees to lenders.

Apply Now for a Payday Loan in Chapman Ranch, Texas

At TheGuaranteedLoans, we understand that sometimes life throws unexpected financial curves. That’s why we offer a convenient, online application process for payday loans in Chapman Ranch, Texas.

As a connector service, we provide borrowers with access to our network of lenders, streamlining the loan process. Simply fill out our online application, and we’ll help you find a lender that meets your unique financial needs.

Apply now and take the first step towards financial peace of mind.

F.A.Q.

What happens if I cannot repay my payday loan in Chapman Ranch, Texas on time?

If you are unable to repay your payday loan in Chapman Ranch, Texas on time, you may be charged late payment fees and your loan may be subject to collection actions. You may also be charged additional interest on any unpaid balances. It is important to contact your lender as soon as possible if you are unable to make your scheduled loan payments, so that they can work with you to find a solution.

Can I extend my payday loan in Chapman Ranch, Texas?

Yes, you may be able to extend your payday loan in Chapman Ranch, Texas if you are unable to repay it on time. This is commonly known as rolling over the loan, and it may involve additional fees and charges. It is important to carefully consider the potential consequences of extending your payday loan before deciding to do so.