Payday Loans in Harrold, Texas

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

Company nameAddressZip codePhone number
World Acceptance 4717 Wesley St A, Greenville, TX 75401 +1 (903) 455 - 9669
Citizens Bank 140 Austin St, Center, TX 75935 +1 (936) 598 - 8541
World Finance 114 Farquhar St Ste 104, Navasota, TX 77868 +1 (936) 825 - 2271
World Finance 2841 Central Dr, Bedford, TX 76021 +1 (817) 358 - 4588
Commerce Finance of Converse 8021 FM78 Suite 119, Converse, TX 78109 +1 (210) 599 - 8902
ACE Cash Express 1379 W Main St, League City, TX 77573 +1 (281) 557 - 2274
Power Finance Texas 1303 N Collins St Suite 417, Arlington, TX 76011 +1 (817) 261 - 2274
Riviera Finance 227 N Loop 1604 E 150, San Antonio, TX 78232 +1 (210) 901 - 5674
World Finance 121 E 3rd St, Big Spring, TX 79720 +1 (432) 263 - 4962
Advance America 490 TX-46 200, New Braunfels, TX 78130 +1 (830) 643 - 5924

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harrold, TX, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Channelview, TX, Same Day Loans in College Station, TX, Payday Loans in Conroe, TX, Payday Loans in Coppell, TX, Payday Loan Without a Credit Check in Copperas Cove, TX, Payday Loan Companies in Corpus Christi, TX, Quick Loan in Dallas, TX and Payday Loans in Deer Park, 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 Harrold, TX.

Are Payday Loans Legal In Harrold, 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

Harrold, TX payday loan calculator

Payday Loans in Harrold, Texas: Everything You Need to Know

Life can be unpredictable, and sometimes you have an unexpected expense or bill to pay. This is where payday loans come in handy. In Harrold, Texas, payday loans are legal and can be a useful tool to help you out in tough times. However, it is essential to understand how they work and the associated risks before taking out a payday loan.

What is a payday loan?

A payday loan is a type of short-term loan that is typically due on your next payday. These loans are designed for people who need quick cash to cover emergency expenses, such as medical bills, car repairs, or utility bills. They are usually smaller amounts, ranging from $100 to $1,500, and have higher interest rates and fees compared to traditional loans, which is why payday loans are often referred to as high-cost loans.

How do payday loans work in Harrold, Texas?

In Harrold, Texas, payday loans are legal, and there are plenty of lenders to choose from. To apply for a payday loan, you will need to fill out an application form and provide proof of income and employment. If approved, the lender will provide you with the funds, usually within 24 hours, and you will need to repay the loan in full on your next payday, plus interest and fees.

The maximum amount you can borrow in Texas is $1,500 or up to 20% of your gross monthly income, whichever is less. The loan term can range from seven days to 180 days, depending on the lender. It is essential to understand the terms and conditions of the loan and the associated fees and interest rates before signing any agreement.

What are the risks of payday loans?

The high cost of payday loans is one of the biggest risks, as they can have an annual percentage rate (APR) of up to 667%. This means that if you borrow $500 for two weeks, you could end up paying over $1,000 in interest and fees. If you are unable to repay the loan on your next payday, the lender can roll over the loan and charge additional fees and interest, which can quickly add up and lead to a debt cycle.

Other risks of payday loans include:

  • They can be a temporary solution to a long-term financial problem
  • They can be addictive and lead to a cycle of debt
  • They can damage your credit score if you do not repay the loan on time
  • They can lead to increased financial stress and anxiety

What should you consider before taking out a payday loan?

Before taking out a payday loan, it is essential to consider your financial situation and whether you will be able to repay the loan on time. You should also shop around and compare lenders to find the best rates and terms. It is also a good idea to explore other options, such as borrowing from friends or family, negotiating with creditors, or using credit counseling services.

Remember, a payday loan should only be used as a last resort and for emergency expenses.

Interesting Facts and Statistics About Payday Loans in Harrold, Texas

  • There are over 3,000 payday lending locations in Texas, and the industry generates over $1.6 billion in fees annually.
  • According to a 2018 study by the Pew Charitable Trusts, 8% of Texas households have used payday loans in the past year.
  • In Texas, the average payday loan borrower takes out eight loans per year, with an average loan amount of $470 and an average APR of 500%.

Apply Now

If you need quick cash and are considering a payday loan in Harrold, Texas, TheGuaranteedLoans can help. We are a connector service that can facilitate your connection with potential lenders. Simply fill out our online application form, and we will connect you with lenders who may be able to provide you with the funds you need. Remember, borrowing money always comes with risks, so make sure you understand the terms and conditions of any loan before you agree to it.

F.A.Q.

What is the maximum amount I can borrow through a payday loan in Harrold, Texas?

The maximum amount that can be borrowed through a payday loan in Harrold, Texas is $1,000.

What is the interest rate on payday loans in Harrold, Texas?

The interest rate on payday loans in Harrold, Texas is determined by the lender. The maximum allowable interest rate is set by state law at 661% APR.