Payday Loans in Fate, Texas

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

Company nameAddressZip codePhone number
Youngblood Finance 111 N Commerce St, Corsicana, TX 75110 +1 (903) 872 - 2479
Texas Car Title & Payday Loan Services, Inc. 801 W 1st St, Hereford, TX 79045
Eide Bailly 119 W McLain St, Seymour, TX 76380 +1 (940) 888 - 5539
Western Finance 2003 N Mays St STE 101, Round Rock, TX 78664 +1 (512) 238 - 1006
First Service Credit Union 8640 Spring Cypress Rd, Spring, TX 77379 +1 (713) 679 - 7426
30 Quick Lending 3621 N Zaragoza Rd, El Paso, TX 79938 +1 (915) 320 - 8144
Stripes Check Cashing Machine 5801 19th St, Lubbock, TX 79407 +1 (806) 792 - 9682
Honest Payday - Austin 153 E Riverside Dr, Austin, TX 78704 +1 (888) 674 - 0041
Check n Go 3801 North St Ste 5-1, Nacogdoches, TX 75965 +1 (936) 559 - 7903
Security Finance 1125 N Velasco St, Angleton, TX 77515 +1 (979) 848 - 3430

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fate, TX, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Waco, TX, Payday Loans in Waxahachie, TX, Payday Loans in Weslaco, TX, Payday Loan Companies in Wichita Falls, TX, Payday Loan Companies in Wylie, TX, Same Day Loans in Abilene, TX, Payday Loans in Allen, TX and Payday Loans in Amarillo, 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 Fate, TX.

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

75132

Are Payday Loans Legal In Fate, 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

Fate, TX payday loan calculator

Understanding Payday Loans in Fate, Texas

Are you currently in need of quick cash to cover unexpected expenses? If you’re considering a payday loan in Fate, Texas, it’s important to understand the ins and outs of the lending process before making a decision. In this article, we’ll discuss the basics of payday loans and how they work in Fate, Texas.

What is a Payday Loan?

A payday loan is a type of short-term loan designed to help borrowers cover unexpected expenses until their next payday. These loans typically have high interest rates and fees, making them expensive for borrowers to pay back. In Texas, payday loans are legal and regulated by the Office of Consumer Credit Commissioner (OCCC).

How do Payday Loans Work in Texas?

In Texas, payday loans operate just like they do in most other states. The borrower writes a check to the lender for the amount borrowed plus a fee, and the lender holds the check until the borrower’s next payday. At that point, the lender cashes the check to recoup their loan amount and collects their fee.

In Texas, the maximum amount a borrower can take out in a payday loan is $1,800. Additionally, the amount borrowed cannot exceed 20% of the borrower’s gross monthly income.

What are the Fees and Interest Rates on Payday Loans in Fate, Texas?

Payday loans in Fate, Texas, are subject to strict regulation by the OCCC. The maximum interest rate on payday loans is 10% in Texas, making them one of the cheaper options for short-term borrowing. Additionally, lenders can only charge a single fee for each loan, and that fee cannot exceed $10 per $100 borrowed.

It’s critical to understand that payday loans have short repayment periods, which can result in very high APRs (annual percentage rates) if not repaid on time. Borrowers who cannot repay their loans on time can roll them over, resulting in even higher fees and interest rates.

Benefits of Payday Loans in Fate, Texas

  • Quick access to cash: Payday loans are a quick way to get cash when you need it most.
  • Easy application process: Payday loan applications are typically straightforward and fast, requiring minimal documentation.
  • No collateral: Payday loans are unsecured, meaning you don’t have to put up any collateral to secure the loan.

Drawbacks of Payday Loans in Fate, Texas

  • High fees and interest: Payday loans are expensive, with high fees and interest rates that can make them difficult to repay.
  • Short repayment period: Payday loans are typically due on your next payday, which can be difficult to manage if you have limited cash flow.
  • Potential debt trap: If you can’t afford to repay your payday loans on time, you may end up in a cycle of debt that can be difficult to escape.

Interesting Facts About Payday Loans in Fate, Texas

  • According to OCCC data, the average APR for a payday loan in Texas is 454.17%.
  • The average payday loan in Texas is $470.
  • In 2019, Texans paid nearly $1.5 billion in payday and auto title loan fees.

Apply Now

If you’re in need of quick cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with lenders in Fate, Texas. Simply fill out our online application, and we’ll work to facilitate your connection with potential lenders. Remember, we are a connector service, not a direct lender, and our goal is to help you find the right lending solution for your needs.

Apply now and get the cash you need to cover your expenses!

F.A.Q.

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

Yes, it is possible to get a payday loan in Fate, 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 Fate, Texas?

To apply for a payday loan in Fate, 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.