Payday Loans in China Spring, Texas

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

Company nameAddressZip codePhone number
Cherokee County Federal CU 144 Henderson Ave, Rusk, TX 75785 +1 (903) 683 - 2527
Regional Finance 3806 Avenue I Suite 22, Rosenberg, TX 77471 +1 (832) 361 - 3910
Barri Agent 602 Pan American Dr, Livingston, TX 77351
Spirit of Texas Bank 117 Gordon Hwy, Mingus, TX 76463 +1 (254) 672 - 5910
First Convenience Bank 101 Calhoun Plaza, Port Lavaca, TX 77979 +1 (800) 903 - 7490
Texas Trust Credit Union 808 S Palestine St, Athens, TX 75751 +1 (972) 263 - 5171
Security Finance 470 TX-35 S, Port Lavaca, TX 77979 +1 (361) 552 - 2957
East Texas Professional Credit Union ETPCU 850 Rice Rd, Tyler, TX 75703 +1 (903) 581 - 5431
Security Finance 305 Fisk Ave, Brownwood, TX 76801 +1 (325) 643 - 5626
Western-Shamrock Finance 115 Britton Ave, Rio Grande City, TX 78582 +1 (956) 488 - 1286

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in China Spring, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Killeen, TX, Payday Loans in Kyle, TX, Payday Loans in La Porte, TX, Payday Loans in Lancaster, TX, No Credit Check Loans in Laredo, TX, Payday Loans in League City, TX, Payday Loans in Leander, TX and Payday Loans in Lewisville, 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 China Spring, TX.

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

76633

Are Payday Loans Legal In China Spring, 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

China Spring, TX payday loan calculator

Understanding Payday Loans in China Spring, Texas

Payday loans are designed to offer short-term financial help to individuals who need fast cash to cover unexpected expenses. These loans can be beneficial in emergency situations, but they can also be risky because of their high-interest rates and fees. In China Spring, Texas, payday loans are legal, and there are numerous lenders that offer these loans to borrowers in need.

How do Payday Loans Work in China Spring, Texas?

In Texas, payday loans are regulated by the Texas Office of Consumer Credit Commissioner (OCCC) and the Texas Finance Code. These loans are intended to be short-term with repayment terms ranging from one to six months and loan amounts of up to $1,800.

When you apply for a payday loan in China Spring, Texas, you will need to provide proof of income and identification. The lender will then assess your application and determine whether or not you qualify for a loan. If you qualify, the lender will provide you with the loan amount you are approved for, minus any fees or interest.

The repayment terms for payday loans in Texas are set by the lender and can vary from one lender to another. In most cases, payment is due on the borrower’s next payday. If the borrower is unable to repay the loan on time, the lender may charge additional fees and interest or offer the borrower an extension or installment plan.

Pros and Cons of Payday Loans in China Spring, Texas

  • Pros: Payday loans can be an excellent way to get fast cash when you need it. These loans have a simple application process, and they are useful for covering unexpected expenses like car repairs or medical bills.
  • Cons: Payday loans have high-interest rates and fees, making it easy to fall into a debt trap. If you are unable to repay the loan on time, you risk damaging your credit score, and the lender may take legal action against you.

Statistics About Payday Loans in China Spring, Texas

According to a report by the Texas Office of Consumer Credit Commissioner, 2.5 million Texans took out payday loans in 2020, with more than 88,000 of those borrowers residing in the Waco metropolitan area, which includes China Spring. The reported average loan amount was $515, and the average interest rate was 664%.

Apply Now

If you need fast cash to cover unexpected expenses, you can apply for a payday loan through TheGuaranteedLoans website. We are a connector service that connects borrowers with potential lenders in our network. To apply, simply fill out our online application form, and we will match you with a lender that meets your needs. Remember, we are not a direct lender, and we do not charge any fees for our services.

The process is straightforward, and you could receive an offer in minutes. If you decide to accept the loan offer, you could receive funds as soon as the next business day. Applying for a payday loan through TheGuaranteedLoans is a convenient way to get the funds you need when you need them most.

Conclusion

Payday loans can be a useful tool when you need fast cash to cover unexpected expenses, but it’s essential to be aware of the risks associated with these types of loans. In China Spring, Texas, payday loans are legal, and there are numerous lenders that offer these loans to borrowers in need. If you decide to apply for a payday loan, make sure you understand the terms and conditions of the loan and are confident that you can repay it on time. Remember, at TheGuaranteedLoans, we are here to help you find a lender that meets your needs and makes the borrowing process as simple and convenient as possible.

F.A.Q.

Are there any restrictions on how payday loans can be used in China Spring, Texas?

Yes, payday loans in China Spring, Texas can only be used for short-term financial needs and cannot be used to pay off existing loans or credit card debt.

Can I renew or extend my payday loan in China Spring, Texas?

Yes, you may be able to renew or extend your payday loan in China Spring, Texas if you are unable to make the full repayment on the due date. However, this may result in additional fees and interest charges, and should be avoided if possible.