Payday Loans in Eden, Texas

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

Company nameAddressZip codePhone number
Prosperity Bank - Roanoke - Temporarily Closed due to Water Damage 615 Byron Nelson Blvd, Roanoke, TX 76262 +1 (817) 378 - 2250
Security Finance 8330 Gulf Fwy Suite A, Houston, TX 77017 +1 (713) 921 - 6058
BOC Bank 201 Main St, McLean, TX 79057 +1 (806) 779 - 2461
Woodforest National Bank 201 W Marcy Dr, Big Spring, TX 79720 +1 (432) 466 - 0100
Texas Farm Credit 1305 Shannon Rd E, Sulphur Springs, TX 75482 +1 (903) 885 - 7608
Education First Federal Credit Union 155 W Monroe St, Kountze, TX 77625 +1 (409) 898 - 3770
Velocity Credit Union Cedar Park branch 1230 E New Hope Dr, Cedar Park, TX 78613 +1 (512) 469 - 7000
Security Finance 1298 W South Loop Suite 5, Stephenville, TX 76401 +1 (254) 968 - 4331
Commerce Bank Texas 112 Fordtran Dr, Stockdale, TX 78160 +1 (830) 996 - 3125
Reliable Finance Co 668 E Grant St D, Roma, TX 78584 +1 (956) 849 - 2588

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eden, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Longview, TX, Payday Loans in Lubbock, TX, Payday Loans in Lufkin, TX, Payday Loans in Mansfield, TX, Payday Loan Companies in McAllen, TX, No Credit Check Loans in McKinney, TX, Quick Loan in Mesquite, TX and Bad Credit Loans in Midland, 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 Eden, TX.

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

76837

Are Payday Loans Legal In Eden, 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

Eden, TX payday loan calculator

Understanding Payday Loans in Eden, Texas

Payday loans are a type of short-term loan that is meant to be paid back on the borrower’s next payday. These loans are often associated with high interest rates and fees and are typically used for emergency expenses or unexpected bills that cannot wait until the borrower’s next paycheck.

In Eden, Texas, payday loans are legal and regulated by state law. The Texas Office of Consumer Credit Commissioner (OCCC) oversees the industry and requires lenders to follow specific guidelines to protect borrowers from predatory lending practices.

How Payday Loans Work

Payday loans are typically unsecured loans, which means they do not require collateral. Borrowers can apply for a loan online or in person, and the lender will determine the loan amount based on the borrower’s income and other factors.

Once the loan is approved, the borrower will be required to sign a loan agreement that outlines the loan terms, including the repayment schedule and any fees or interest rates associated with the loan. The loan funds are typically deposited directly into the borrower’s bank account, and the borrower will be required to provide the lender with access to their account to deduct the repayment amount on the due date.

Regulations in Eden, Texas

As previously mentioned, payday loans are legal in Texas, including in Eden. However, lenders are required to follow specific regulations to protect borrowers from unfair lending practices.

  • Lenders cannot lend more than $1,800 to a borrower
  • The loan term cannot exceed 180 days
  • Interest rates cannot exceed 10% of the loan amount
  • Lenders must be licensed by the OCCC and provide borrowers with a disclosure statement outlining the loan terms and fees

These regulations aim to prevent predatory lending practices and ensure that borrowers have access to fair and transparent loan terms.

Interesting Facts and Statistics

  • In 2019, Texans borrowed more than $2.1 billion in payday loans
  • The average APR for payday loans in Texas is 661%
  • 75% of payday loan borrowers in Texas take out multiple loans each year
  • The average payday loan amount in Texas is $470

Apply Now

Are you facing unexpected expenses or bills that cannot wait until your next paycheck? TheGuaranteedLoans can help connect you with potential lenders in Eden, Texas, who can provide you with a payday loan that meets your financial needs.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not provide loans directly to borrowers. Instead, we are a connector service that can provide you with access to potential lenders who can offer you a loan.

To get started, fill out our online application form today and see if you qualify for a payday loan in Eden, Texas.

Conclusion

Payday loans can be a useful tool for borrowers who need access to quick cash to cover unexpected expenses. However, it’s important to understand the risks associated with these loans, including high interest rates and fees.

If you are considering a payday loan in Eden, Texas, make sure to research all of your options and choose a lender that follows state regulations and provides you with fair and transparent loan terms.

F.A.Q.

Is it possible to get a payday loan in Eden, Texas with bad credit?

Yes, it is possible to get a payday loan in Eden, Texas with bad credit. Most payday lenders do not require a credit check, so your credit score will not affect your eligibility for a loan. However, you may still be required to provide proof of income and other information to qualify for a payday loan.

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

To apply for a payday loan in Eden, 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.