Payday Loans in Davilla, Texas

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

Company nameAddressZip codePhone number
Check 'n Go 1816 S. FM 51, Decatur, TX 76234
ACE Cash Express 414 E Tyler St, Athens, TX 75751
Prosperity Bank - New Braunfels Drive-Thru 1911 TX-46, New Braunfels, TX 78132 +1 (830) 608 - 5501
First Cash Advance 21345 Interstate 45, Spring, TX 77386
Speedy Cash 10884 W Bellfort Blvd, Houston, TX 77099 +1 (281) 575 - 0137
check n go, Check n Go Store Directory 1000 Pasadena Blvd, Pasadena, TX 77506 +1 (713) 534 - 0004
Texas National Bank 484 Main St, Rusk, TX 75785 +1 (903) 683 - 8899
West Texas National Bank 53610 TX-118, Terlingua, TX 79852 +1 (432) 371 - 2211
Capital Farm Credit 515 Sterley Ave, Spur, TX 79370 +1 (806) 271 - 3378
First National Bank of Shiner 103 West 7th St, Shiner, TX 77984 +1 (361) 594 - 3317

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Davilla, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Missouri City, TX, Payday Loan for Nacogdoches, TX, Emergency Loan in New Braunfels, TX, Payday Loan Companies in North Richland Hills, TX, Payday Loans in Odessa, TX, Payday Loans in Pasadena, TX, 24-Hour Loan in Pearland, TX and 24-Hour Loan in Pflugerville, 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 Davilla, TX.

Are Payday Loans Legal In Davilla, 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

Davilla, TX payday loan calculator

Understanding Payday Loans in Davilla, Texas

Payday loans are a popular lending option in Davilla, Texas. These small-dollar loans are designed to help individuals cover unexpected expenses or bills before their next paycheck. The state of Texas allows and regulates payday loans, providing borrowers with a source of short-term financing.

How do Payday Loans Work?

Payday loans are short-term loans that usually need to be repaid within two weeks or by the borrower’s next payday. The loan amount is typically less than $500, and the lender charges a fee or interest for loan issuance. Lenders may also request access to a borrower’s checking account to debit the loan amount when it falls due.

To qualify for a payday loan in Texas, borrowers need to have a stable income source and a valid ID proof. Additionally, lenders will want to ensure that the borrower has an active checking account. Having a good credit score is not necessary for approval, making payday loans a more accessible borrowing option for those with poor credit scores.

The Pros and Cons of Payday Loans

Pros:

  • Quick and Easy: Payday loans are easy to apply for and can be processed quickly. Borrowers can access funds within a few days of the application.
  • No Credit Check: Payday lenders typically do not require a credit check when processing loan applications.
  • No Collateral Required: Unlike traditional bank loans, payday loans do not need collateral, making it easier for many borrowers to qualify for a loan.

Cons:

  • High Interest Rates: Payday loans come with very high-interest rates, which can make them very expensive to repay.
  • Short Repayment Period: Payday loans generally have a short repayment period, which can put financial pressure on borrowers who may not have sufficient funds to pay off the loan on time.
  • Debt Cycles: Rolling over payday loans can lead to debt cycles as high-interest rates accumulate over time, making it more challenging to repay the loan.

Interesting Facts and Statistics About Payday Loans in Davilla, Texas

Did you know?

  • In Texas, over 85% of payday loans are rolled over or followed by another loan within two weeks.
  • The average payday loan in Texas is $462 with an APR of 574%.
  • Each year, Texans take out over 10 million payday loans, accounting for roughly $3.4 billion in fees.

Apply Now with TheGuaranteedLoans

TheGuaranteedLoans is an online connector service that connects borrowers with potential lenders. If you need a payday loan in Davila, Texas, our online application process is fast and straightforward. We provide access to a network of reliable lenders who are ready to offer quick financing solutions with competitive fees and interest rates.

Remember, we are a connector service and not a direct lender. Therefore, we do not make credit decisions, and some lenders may perform a credit check before approving a loan application. We advise borrowers to read the terms and conditions of the loan agreement carefully before accepting the loan terms.

Apply now for the quick cash you need, and let TheGuaranteedLoans help you connect with a lender today!

F.A.Q.

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

Payday loans in Davilla, 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 Davilla, Texas?

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