Payday Loans in Ellinger, Texas

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

Company nameAddressZip codePhone number
Sun Loan Company 237 Main St, Hereford, TX 79045 +1 (806) 364 - 4287
Gilmer National Bank 713 US-271, Gilmer, TX 75644 +1 (903) 843 - 5653
World Finance 509 US-83 Ste 102, Zapata, TX 78076 +1 (956) 765 - 1000
Speedy Cash 10201 Lake June Rd, Dallas, TX 75217 +1 (972) 329 - 0006
Cash Store 8810 Woodway Dr 101, Woodway, TX 76712 +1 (254) 751 - 1889
Stepstone Credit 309 E Hwy 190, Copperas Cove, TX 76522 +1 (254) 577 - 5255
WesTex Community Credit Union 200 E Austin St, Kermit, TX 79745 +1 (432) 586 - 6631
OpenRoad Lending 5555 N Beach St 4100, Fort Worth, TX 76137 +1 (888) 536 - 3024
J'ville Title Loans 522 E Rusk St, Jacksonville, TX 75766
Texas Car Title & Payday Loan Services, Inc. 305 US-79, Henderson, TX 75652 +1 (903) 657 - 1015

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ellinger, TX, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Laredo, TX, Payday Loans in League City, TX, Guaranteed Loans in Leander, TX, Payday Loans in Lewisville, TX, Payday Loans in Little Elm, TX, Payday Loans in Longview, TX, Guaranteed Loans in Lubbock, TX and Bad Credit Loans in Lufkin, 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 Ellinger, TX.

Are Payday Loans Legal In Ellinger, 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

Ellinger, TX payday loan calculator

Payday Loans in Ellinger, Texas: What You Need to Know

If you need quick cash in Ellinger, Texas, a payday loan may be an option to consider. Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to help bridge gaps in finances when unexpected expenses arise.

Here’s what you need to know about payday loans in Ellinger, Texas:

Payday Loans are Legal in Texas

Payday loans are legal in the state of Texas. However, there are regulations in place to protect borrowers. Texas law requires payday lenders to be licensed and to follow certain guidelines when it comes to fees and interest rates.

The maximum amount you can borrow in Texas for a payday loan is $1,800. The maximum term for a payday loan is 180 days.

Payday Loans in Ellinger: How They Work

To apply for a payday loan in Ellinger, you’ll need to provide some basic information, including proof of income and identification. If you’re approved for a payday loan, the funds will typically be deposited into your bank account within one business day.

When your payday loan is due, the lender will withdraw the amount you borrowed plus any fees and interest from your bank account. Be sure you have enough funds in your account to cover the payment.

Payday Loan Fees and Interest Rates

Payday lenders in Texas are allowed to charge fees for payday loans. The fee is typically a percentage of the amount borrowed, but it can also be a flat rate. The maximum fee for a payday loan in Texas is 10% of the loan amount.

In addition to the fee, payday lenders in Texas are also allowed to charge interest on payday loans. The maximum interest rate is 48% APR.

How to Avoid Payday Loan Debt

While payday loans can be a useful tool in certain situations, they can also be a debt trap. Here are some tips to help you avoid payday loan debt:

  • Only borrow what you need and can afford to repay.
  • Read the loan agreement carefully before signing.
  • Consider other options for borrowing, such as a personal loan or credit card.
  • Create a budget and stick to it.
  • Have an emergency fund to cover unexpected expenses.

Interesting Facts about Payday Loans in Ellinger, Texas

  • Ellinger is a small community in Fayette County, Texas, with a population of approximately 350 people.
  • According to a 2019 survey by the Texas Fair Lending Alliance, the average annual percentage rate for a payday loan in Texas is 664%.
  • A study by the Consumer Financial Protection Bureau found that four out of five payday loans are rolled over or renewed within two weeks.

Apply Now for a Payday Loan in Ellinger, Texas

If you find yourself in need of quick cash in Ellinger, Texas, TheGuaranteedLoans can help. We are a connector service that can help connect you with potential lenders who may be able to provide you with a payday loan.

Our online application is quick and easy to complete. Simply fill out our secure form and we’ll work to connect you with a lender who meets your needs.

Remember, TheGuaranteedLoans is not a direct lender. We are a connector service that can help you find a lender who may be able to provide you with a payday loan. Our service is free to use and there’s no obligation to accept any loan offers you receive.

Don’t let unexpected expenses put a strain on your finances. Apply now for a payday loan in Ellinger, Texas, and get the cash you need to cover those unexpected expenses.

F.A.Q.

Are there any protections for consumers who take out payday loans in Ellinger, 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.

Can I be sued or have my wages garnished if I default on a payday loan in Ellinger, Texas?

Yes, if you default on a payday loan in Ellinger, Texas, the lender may take legal action against you to collect the debt. This could include filing a lawsuit or obtaining a court order to garnish your wages. It is important to communicate with your lender and seek legal advice if you are unable to make your loan repayment.