Payday Loans in Era, Texas

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

Company nameAddressZip codePhone number
First Financial Bank 206 W College St, Rising Star, TX 76471 +1 (254) 629 - 6161
BBVA Bank 1410 S Main St, Boerne, TX 78006 +1 (830) 249 - 3547
Marquette Business Credit Inc 5910 N Central Expy 1900, Dallas, TX 75206 +1 (214) 389 - 5900
Pinnacle Bank 220 E US 287, Midlothian, TX 76065 +1 (469) 672 - 8100
ez Money Loan Services 800 S Cage Blvd, Pharr, TX 78577
Goldstar Finance 1100 Pasadena Blvd, Pasadena, TX 77506 +1 (713) 589 - 1600
Sundown State Bank 1722 Ave H, Levelland, TX 79336 +1 (806) 894 - 7799
Western Finance 3719 Wilbarger St, Vernon, TX 76384
Sabine State Bank and Trust Company 483 TX-63, Burkeville, TX 75932 +1 (409) 565 - 9290
BancorpSouth Bank 207 N Main St, Elgin, TX 78621 +1 (512) 285 - 3405

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Era, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pasadena, TX, Payday Loans in Pearland, TX, Payday Loans in Pflugerville, TX, Payday Loans in Pharr, TX, Payday Loans in Plano, TX, Payday Loans in Port Arthur, TX, Payday Loans in Richardson, TX and Same Day Loans in Rockwall, 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 Era, TX.

Are Payday Loans Legal In Era, 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

Era, TX payday loan calculator

Understanding Payday Loans in Era, Texas

If you’re facing an unexpected expense or an urgent financial need, you may be considering a payday loan as a way to bridge the gap between paychecks. Payday loans are short-term, high-interest loans that are meant to be paid back quickly, usually within two weeks or by your next paycheck. While they can be a convenient way to get cash fast, it’s essential to understand the risks and benefits of payday loans, particularly if you live in Era, Texas, where they are legal.

How do Payday Loans Work?

When you apply for a payday loan, you typically fill out an application detailing your income and other personal information. Lenders will then review your application and approve or deny your request for a loan. If you’re approved, you’ll typically receive cash or a deposit into your bank account within hours or days of your application.

The amount you can borrow will depend on factors like your income and credit history, but payday loans in Era, Texas typically range from $50 to $1,000 or more. In exchange for the loan, you’ll have to pay a fee, which can be a flat rate or a percentage of the loan amount.

When your loan is due, the lender will automatically withdraw the loan amount and fees from your bank account. If you can’t repay the loan, you may be charged additional fees or face legal consequences, depending on the laws in your state.

Benefits of Payday Loans

Payday loans can be an appealing option if you need cash quickly and don’t have access to other forms of credit, such as a credit card or personal loan. They are also relatively easy to qualify for, even if you have a low credit score or a history of financial difficulties.

Furthermore, payday loans can be a faster and more convenient alternative to traditional bank loans, which may require extensive paperwork and processing time. In some cases, you can receive your loan within hours of applying, which can be a lifesaver in emergencies.

Risks of Payday Loans

Despite their convenience, payday loans can carry significant risks, particularly if you don’t repay them on time. Payday loans typically come with high fees and interest rates, which can make them extremely expensive to borrow over the long term.

Moreover, if you can’t repay your loan, you may be subject to aggressive debt collection practices, including harassing phone calls and threatening letters. Depending on the laws in your state, you may also face legal consequences, such as wage garnishment or litigation, which can damage your credit and financial standing.

Interesting Facts and Statistics about Payday Loans in Era, Texas

  • Payday loans in Texas are regulated by the Texas Finance Code, which sets limits on loan amounts, interest rates, and fees.
  • According to the Texas Office of Consumer Credit Commissioner, Texans borrowed over $8 billion in payday loans in 2019.
  • The average payday loan amount in Texas is $500, and the average fee charged is $110.
  • In Era, Texas, there are several lenders offering payday loans, including Advance America, Check ‘n Go, and ACE Cash Express.

Apply Now

If you’re considering a payday loan in Era, Texas, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we work with a network of trusted lenders to find you the best loan options for your needs.

To get started, fill out our online application, which only takes a few minutes to complete. We’ll review your application and match you with potential lenders who may be able to offer you a loan. Keep in mind that as a connector service, we don’t directly fund loans and can’t guarantee loan approval, but we’ll do our best to connect you with lenders who may meet your needs.

Remember, payday loans can be a useful tool for managing short-term financial needs, but they can also come with significant risks and costs. As with any financial decision, it’s essential to do your research, compare your options, and only borrow what you can afford to repay.

F.A.Q.

Can I apply for a payday loan online in Era, Texas?

Yes, many payday lenders in Era, Texas offer the option to apply for a loan online. This can be a convenient option for borrowers who prefer to apply from the comfort of their own home or who do not have access to a physical payday loan store.

What information do I need to provide when applying for a payday loan in Era, Texas?

When applying for a payday loan in Era, Texas, borrowers will typically need to provide proof of income, a valid government-issued ID, and proof of a checking account. Lenders may also require additional information, such as references or proof of residence.