Payday Loans in Concepcion, Texas

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

Company nameAddressZip codePhone number
America's Mortgage 1035 Dairy Ashford Rd, Houston, TX 77079 +1 (713) 771 - 1000
TD Securities Houston Center, 909 Fannin St 1950, Houston, TX 77010 +1 (713) 653 - 8200
First Cash Pawn 5251 River Oaks Blvd, Fort Worth, TX 76114 +1 (817) 731 - 9132
AgTexas Farm Credit Services 2015 Hobbs Hwy, Seminole, TX 79360 +1 (432) 758 - 3201
Cash Store 1321 N Tennessee St STE 102, McKinney, TX 75069 +1 (972) 542 - 8606
Star Loans of Texas 917 E Mulberry St, Angleton, TX 77515 +1 (979) 864 - 3833
TitleMax Title Loans 1001 W US Hwy 377, Granbury, TX 76048 +1 (817) 564 - 0011
Thrivent Financial-Lutherans 116 6th St, Shiner, TX 77984
EZPAWN 1420 U.S. Hwy 190, Copperas Cove, TX 76522 +1 (254) 547 - 4214
First Convenience Bank 1320 US-290, Elgin, TX 78621 +1 (800) 903 - 7490

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Concepcion, TX, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Bedford, TX, Payday Loans in Brownsville, TX, Emergency Loan in Bryan, TX, Payday Loans in Burleson, TX, Short-term Loans in Carrollton, TX, Payday Loans in Cedar Hill, TX, Payday Loans in Cedar Park, TX and No Credit Check Loans in Channelview, 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 Concepcion, TX.

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

78349

Are Payday Loans Legal In Concepcion, 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

Concepcion, TX payday loan calculator

Payday loans are a type of short-term loan designed to help people with unexpected expenses or financial emergencies. In Concepcion, Texas, payday loans are legal and can be a helpful resource for those who need access to quick cash. However, it’s important to understand the risks and responsibilities associated with payday loans before applying.

How Do Payday Loans Work in Concepcion, Texas?

A payday loan is a small-dollar loan that is typically paid back in full on the borrower’s next payday. In Concepcion, Texas, payday lenders can legally charge up to 10% interest on these loans, and they can also charge other fees. The maximum loan amount allowed in Texas is $1,800, and the maximum loan term is 180 days.

To apply for a payday loan, borrowers typically need to provide proof of income, a government-issued ID, and a checking account. The lender will also ask for the borrower’s contact information and may require them to provide references.

Why Do People Take Out Payday Loans?

People take out payday loans for a variety of reasons. Some common reasons include:

  • Unexpected expenses, such as car repairs or medical bills
  • Temporary cash flow shortages, such as during a gap between paychecks
  • Emergency situations, such as a job loss or natural disaster

Payday loans can be an attractive option for people in urgent financial need because they offer quick access to cash without requiring collateral or a credit check. However, because payday loans are designed to be repaid in full on the borrower’s next payday, they can also be very expensive. It’s important to carefully consider the costs and risks associated with a payday loan before applying.

What Are the Risks of Payday Loans?

While payday loans can be helpful for some people, they also come with significant risks. Some potential risks of payday loans include:

  • High interest rates and fees that can make it difficult to repay the loan
  • The potential for repeated borrowing or a debt cycle
  • Impact on credit scores if the loan is not paid back on time
  • Potential for aggressive collection practices by lenders or third-party collectors

It’s important to carefully consider these risks before applying for a payday loan. Borrowers should also make sure they understand the terms and conditions of the loan, including all fees and charges.

Interesting Facts and Statistics About Payday Loans in Concepcion, Texas

  • According to a study by the Pew Charitable Trusts, about 8% of Texas residents have used a payday loan in the last five years.
  • As of 2021, the average interest rate for a payday loan in Texas is 661.8%, according to the Texas Fair Lending Alliance.
  • In 2020, the Texas Supreme Court ruled that cities in Texas cannot impose regulations on payday lenders that are stricter than state law.
  • As of 2021, there were over 2,000 licensed payday lenders operating in Texas, according to the Texas Office of Consumer Credit Commissioner.

Apply Now for a Payday Loan in Concepcion, Texas

If you’re in need of a payday loan in Concepcion, Texas, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is fast and easy, and we work with a wide network of lenders to help you find the best loan for your needs.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We simply facilitate the connection between borrowers and lenders. Once you fill out our online application, we’ll pass your information along to potential lenders who may be able to help you.

If you’re considering a payday loan in Concepcion, Texas, make sure to read the terms and conditions carefully and understand all fees and charges. Borrow only what you need and make sure you can repay the loan on time to avoid additional fees and potential collection actions.

F.A.Q.

How do I apply for a payday loan in Concepcion, Texas?

To apply for a payday loan in Concepcion, Texas, you will typically need to visit a payday lender in person and provide proof of income, a valid ID, and an active checking or savings account. Some lenders may also allow you to apply online or over the phone. It is important to carefully review the terms and conditions of any payday loan before agreeing to borrow.

What are the alternatives to payday loans in Concepcion, Texas?

There are several alternatives to payday loans in Concepcion, Texas, including borrowing from friends or family, applying for a personal loan from a bank or credit union, or using a credit card. It is also possible to apply for assistance from government programs or nonprofit organizations, or to negotiate payment plans with creditors. It is important to carefully research and compare your options before deciding on a course of action.