Payday Loans in Chireno, Texas

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

Company nameAddressZip codePhone number
Cash America Pawn 4216 Avenue H, Rosenberg, TX 77471 +1 (281) 342 - 5656
Wells Fargo Bank 203 N Arroyo Blvd, Los Fresnos, TX 78566 +1 (956) 233 - 3600
Western Finance 802 Austin St, Levelland, TX 79336 +1 (806) 894 - 6257
World Finance 405 N McDonald St Ste A, McKinney, TX 75069 +1 (972) 542 - 9461
Loanstar Title Loans 13496 Horizon Blvd Suite A, El Paso, TX 79928 +1 (915) 615 - 0430
EASY SOLUTIONS for Credit Repair Mortgage Builder Insurance 511 E Ocean Blvd Suite 103, Los Fresnos, TX 78566 +1 (866) 832 - 3542
Round Top State Bank 301 N Washington St, Round Top, TX 78954 +1 (979) 249 - 3151
Capital Farm Credit 707 Bailey Ave, Matador, TX 79244 +1 (806) 347 - 2226
Advance America 909-B, TX-80, San Marcos, TX 78666 +1 (512) 396 - 5450
Cash Now 5907 E Lancaster Ave, Fort Worth, TX 76112 +1 (817) 457 - 1957

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chireno, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Little Elm, TX, Payday Loans in Longview, TX, Payday Loans in Lubbock, TX, Payday Loan Companies in Lufkin, TX, No Credit Check Loans in Mansfield, TX, Short-term Loans in McAllen, TX, Payday Loan for McKinney, TX and Payday Loan for Mesquite, 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 Chireno, TX.

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

75937

Are Payday Loans Legal In Chireno, 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

Chireno, TX payday loan calculator

Understanding Payday Loans in Chireno, Texas

In Texas, payday loans are a common form of short-term borrowing that many individuals use to make ends meet between paychecks. Payday loans are legal in Texas, as long as they meet certain requirements set by the state. One of the main concerns with payday loans is that they can become a debt trap for those who are unable to repay the loan on time.

How Payday Loans Work

A payday loan is a short-term loan that is typically due on the borrower’s next payday. The borrower writes a post-dated check to the lender for the amount of the loan plus fees. The lender then gives the borrower the loan amount, minus the fees. When the loan is due, the lender cashes the check. If the borrower is unable to repay the loan on time, they can roll the loan over, but this incurs additional fees and can lead to a cycle of debt.

Requirements for Payday Loans in Texas

In order to qualify for a payday loan in Texas, the borrower must have a valid form of identification, proof of income, and an active checking account. The loan amount that can be borrowed is based on the borrower’s income. The maximum payday loan amount in Texas is $1,800.

Interest Rates and Fees for Payday Loans in Chireno, Texas

The interest rates and fees for payday loans in Chireno, Texas, are set by the state. Lenders can charge up to 10% of the loan amount as a finance charge, plus $1 for verification. For example, if you borrow $500, the finance charge would be $50, and the verification fee would be $1, for a total of $551.

The Risks of Payday Loans

Payday loans can be risky for borrowers who cannot afford to repay the loan on time. The fees and interest rates for payday loans can be very high, which can make it difficult for borrowers to pay back the loan. If a borrower cannot repay the loan on time, they may be forced to roll the loan over, which can lead to a cycle of debt that is hard to break.

Interesting Facts about Payday Loans in Chireno, Texas

  • 1 in 3 Texans have taken out a payday loan
  • The average payday loan borrower in Texas takes out 10 loans per year
  • 75% of payday loan fees in Texas are the result of loan rollovers

Apply Now

If you are in need of a payday loan in Chireno, Texas, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders who can offer payday loans to qualified borrowers. Simply fill out our online application to get started. Please note that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. We simply facilitate your connection with potential lenders.

Conclusion

Payday loans in Chireno, Texas, can be a helpful short-term solution for those who need cash quickly. However, it is important to understand the risks associated with payday loans and to borrow responsibly. Always make sure you can afford to repay the loan on time and consider seeking out other alternatives, such as a personal loan or credit card. If you do decide to take out a payday loan, be sure to work with a reputable lender and read the loan terms carefully.

F.A.Q.

What happens if I am unable to repay my payday loan in Chireno, Texas?

If you are unable to repay your payday loan in Chireno, Texas, the lender may attempt to collect the debt through various means, including phone calls, letters, and legal action. If the debt is not repaid, it may be sold to a collection agency, which could negatively impact your credit score.

Are there any protections for consumers who take out payday loans in Chireno, Texas?

Yes, Texas has several consumer protections in place for individuals who take out payday loans. These include a maximum allowable interest rate, a cooling-off period after a certain number of loans, and a requirement for lenders to provide clear and concise information about the terms and conditions of the loan.