Payday Loans in Gardendale, Texas

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

Company nameAddressZip codePhone number
Security Finance 202 E Rice St, Falfurrias, TX 78355
Jafari No-Interest Credit Union 2323 S Voss Rd 308, Houston, TX 77057 +1 (713) 331 - 1072
AFC Automotive Finance Corp. 200 Callaghan Rd, San Antonio, TX 78227 +1 (210) 434 - 7822
Security Credit Loan Co 317 E Commerce St, Mexia, TX 76667 +1 (254) 472 - 4466
Cash America Pawn 1905 Pat Booker Rd, Universal City, TX 78148 +1 (210) 658 - 0859
First Convenience Bank 601 Farm to Market Rd 1821, Mineral Wells, TX 76067 +1 (800) 903 - 7490
Briar Capital LP 1500 CityWest Blvd 560, Houston, TX 77042 +1 (832) 251 - 1500
Credit Loans Inc 1205 University Ave, Huntsville, TX 77340 +1 (936) 295 - 9311
About Cash - Midland, Texas 910 Andrews Hwy 3823, Midland, TX 79701 +1 (432) 694 - 2274
Loan Express 1207 SW Military Dr, San Antonio, TX 78221 +1 (210) 932 - 1230

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gardendale, TX, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Odessa, TX, Payday Loans in Pasadena, TX, 24-Hour Loan in Pearland, TX, Payday Loan for Pflugerville, TX, Guaranteed Loans in Pharr, TX, No Credit Check Loans in Plano, TX, Payday Loans in Port Arthur, TX and Payday Loans in Richardson, 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 Gardendale, TX.

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

79758

Are Payday Loans Legal In Gardendale, 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

Gardendale, TX payday loan calculator

Welcome to TheGuaranteedLoans, your trusted source for payday loans and other types of loans. In this article, we’ll be discussing payday loans in Gardendale, Texas. We’ll cover important information such as the legal status of payday loans in Texas and how they work, the benefits and downsides of payday loans, and tips for selecting a lender. Read on to learn more!

Payday Loans in Gardendale, Texas: Legal Status and How they Work

Payday loans are legal in Texas. This means that if you live in Gardendale or anywhere else in the state, you can apply for and obtain a payday loan from a licensed lender. Payday loans, also known as cash advance loans, are designed to provide borrowers with short-term, high-interest loans to help them meet their financial needs until their next paycheck arrives.

Typically, payday loans are due on the borrower’s next payday, hence the name. The borrower writes a post-dated check for the loan amount plus interest and fees, and the lender agrees to hold the check until the borrower’s next payday. At that time, the lender deposits the check to recoup the loan amount plus their fees and interest.

Benefits and Downsides of Payday Loans in Gardendale, Texas

There are several benefits and downsides to payday loans in Gardendale or anywhere else in Texas. Below, we’ve highlighted a few of the most important ones.

Benefits:

  • Fast and convenient approval process
  • Minimal documentation required
  • No credit check required
  • Applicants can have bad credit or no credit and still qualify for a payday loan in Texas
  • Loan funds can be used for any purpose

Downsides:

  • High-interest rates and fees, which can trap borrowers in a cycle of debt
  • Short repayment period, which can lead to financial strain if the borrower is unable to repay the loan on time
  • Not a long-term solution to financial problems
  • Some payday lenders in Gardendale or anywhere else can be predatory and deceptive, taking advantage of vulnerable borrowers

Tips for Selecting a Payday Lender in Gardendale, Texas

When selecting a payday lender in Gardendale or anywhere else in Texas, it’s important to do your research and choose a reputable lender who will offer fair terms and fees. Here are a few tips for selecting a payday lender:

  1. Research multiple lenders and compare their fees and terms
  2. Read online reviews from other borrowers to see what their experiences have been like
  3. Check the lender’s license status with the Texas Office of Consumer Credit Commissioner
  4. Ask questions about fees and terms upfront before agreeing to a loan
  5. Choose a lender who provides clear information on their website or in their loan agreement
  6. Avoid lenders who use aggressive or deceptive tactics to pressure you into taking out a loan

Facts and Statistics about Payday Loans in Gardendale, Texas

Here are some interesting facts and statistics about payday loans in Gardendale, Texas:

  • According to a report from the Texas Office of Consumer Credit Commissioner, in 2019, Texans took out over 1.8 million payday loans, totaling $8 billion in loan volume.
  • The average payday loan amount in Texas was $476 in 2019.
  • As of January 2021, the maximum amount a borrower can receive from a payday loan in Texas is $1,800.
  • Interest rates on payday loans in Texas can be as high as 662.99 percent, according to the Texas Office of Consumer Credit Commissioner.

Apply Now

If you’re in need of a payday loan in Gardendale, Texas, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of reputable lenders throughout the state of Texas. To apply, simply fill out our online application form. We’ll review your information and help connect you with a lender who can provide the funds you need. Apply with TheGuaranteedLoans today!

F.A.Q.

Do I need to have a checking account to take out a payday loan in Gardendale, Texas?

Yes, most payday lenders in Gardendale, Texas require borrowers to have a checking account in order to apply for a loan. This is because the loan amount and fees will be automatically deducted from the borrower's account on the due date.

Are there any restrictions on how I can use the funds from a payday loan in Gardendale, Texas?

No, borrowers are free to use the funds from a payday loan in Gardendale, Texas for any purpose. However, it is important to remember that these loans should only be used for short-term financial emergencies and not for long-term financial planning.