Payday Loans in Godley, Texas

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

Company nameAddressZip codePhone number
Check n Go 3304 Lamar Ave, Paris, TX 75460 +1 (903) 782 - 9593
National Bank of Andrews 1501 N Main St, Andrews, TX 79714 +1 (432) 523 - 6800
ATM Transfund 2800 Alta Mere Dr, Fort Worth, TX 76116 +1 (800) 588 - 6816
Texas Car Title & Payday Loan Services, Inc. 2927 Broadway Avenue J, Galveston, TX 77550 +1 (409) 770 - 0734
Hill County Pawn 105 E Walnut St, Hillsboro, TX 76645 +1 (254) 582 - 3981
PointBank 200 South Highway 377, Pilot Point, TX 76258 +1 (940) 686 - 7000
Riverside Bank 3745 TX-19, Huntsville, TX 77320 +1 (936) 594 - 3510
Prosperity Bank - Azle 608 Boyd Rd, Azle, TX 76020 +1 (817) 378 - 2240
Advance America 1220 N Town E Blvd Ste. 125, Mesquite, TX 75150 +1 (972) 698 - 6364
Noble Finance 300 S Texas Ave, Mercedes, TX 78570 +1 (956) 514 - 9800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Godley, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Copperas Cove, TX, Quick Loan in Corpus Christi, TX, Payday Loans in Dallas, TX, Payday Loan Companies in Deer Park, TX, Payday Loans in Del Rio, TX, Payday Loans in Denton, TX, 24-Hour Loan in DeSoto, TX and Payday Loans in Duncanville, 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 Godley, TX.

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

76044

Are Payday Loans Legal In Godley, 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

Godley, TX payday loan calculator

Payday Loans in Godley, Texas – What You Need to Know

Payday loans are short-term loans that can be an option for those who need fast cash for unexpected expenses. These loans are often sought by people who have poor credit and cannot secure a loan from a traditional bank. Payday loans are legal in Texas, including in the small town of Godley. If you are considering a payday loan in Godley, Texas, there are some key things you need to know before applying.

How Payday Loans Work in Godley, Texas

Payday loans in Godley, Texas typically range from $100 to $1,000 and are due on your next payday, usually within two to four weeks. When you apply for a payday loan, you will need to give the lender proof of income and a post-dated check or permission to withdraw the money from your bank account on your next payday. The lender will then give you the loan amount, minus any fees.

It’s important to note that payday loans in Godley, Texas can be expensive due to their high interest rates and fees. Here are some key terms you need to know:

  • Annual Percentage Rate (APR) – The APR for payday loans in Texas can be as high as 662.20%.
  • Finance Charge – The finance charge for payday loans in Texas can be up to 10% of the loan amount.
  • Loan Term – The loan term for payday loans in Texas is typically two to four weeks.

Risks of Payday Loans in Godley, Texas

While payday loans can be a lifesaver when you need quick cash for unexpected expenses, they can also be risky. One of the main risks of payday loans is that they can often lead to a cycle of debt, as borrowers take out one loan to pay off another. This can lead to a dangerous cycle of debt that can be hard to break free from.

Another risk of payday loans in Godley, Texas is the high cost. The APR for payday loans can be as high as 662.20%, which means you could end up paying back much more than you borrowed in the first place. It’s important to carefully consider whether a payday loan is worth it, or whether there are other options available to you.

Alternatives to Payday Loans in Godley, Texas

While payday loans can be a quick solution to a financial emergency, it’s important to consider alternatives before taking out a loan. Here are some options to consider:

  • Ask for a payment plan. Many creditors are willing to work out payment plans with their customers.
  • Seek help from friends or family.
  • Work out a payment plan with your utility provider.
  • Consider a personal loan from a bank or credit union.
  • Look into credit counseling or financial assistance programs.

Interesting Facts About Payday Loans in Godley, Texas

According to the Texas Office of Consumer Credit Commissioner, in 2019, Texans took out 1.8 million payday loans, amounting to $8.2 billion in loans. The average loan amount was $462, and the average APR was 410%. The top five reasons Texans took out payday loans were:

  1. Car repairs
  2. Medical emergencies
  3. Utilities
  4. Rent
  5. Other

Apply Now for a Payday Loan in Godley, Texas

If you have considered your options and decide to apply for a payday loan in Godley, Texas, TheGuaranteedLoans can help. We are a connector service that works with a network of potential lenders to help you find the best loan option for your needs. Our online application process is quick and easy, and we do not require a credit check. Keep in mind, however, that interest rates and fees can be high, so make sure to carefully consider whether a payday loan is right for you.

Apply now for a payday loan in Godley, Texas and get the cash you need to cover unexpected expenses. Remember, a payday loan should only be used as a last resort, and you should carefully consider all options before borrowing.

F.A.Q.

Are payday loans legal in Godley, Texas?

Yes, payday loans are legal in Godley, Texas. The Texas Office of Consumer Credit Commissioner regulates the payday lending industry in the state.

How much can I borrow with a payday loan in Godley, Texas?

The maximum amount that can be borrowed with a payday loan in Godley, Texas is $500. However, lenders may not lend more than 20% of the borrower's gross monthly income or 25% of their net income.