Payday Loans in Hart, Texas

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

Company nameAddressZip codePhone number
First Source Lending 1350 NASA Road 1, Houston, TX 77058 +1 (281) 333 - 3300
ACE Cash Express 251 SW Wilshire Blvd 104, Burleson, TX 76028 +1 (817) 295 - 9929
K B J's Loan Co 405 S Ash St, Pearsall, TX 78061 +1 (830) 334 - 8137
Family Finance 6500 Boeing Dr, El Paso, TX 79925 +1 (915) 544 - 6500
Advance America 1601 Veterans Blvd Ste D, Del Rio, TX 78840 +1 (830) 775 - 2984
First National Bank of Jasper 301 E Houston St, Jasper, TX 75951 +1 (409) 384 - 3486
Texas First State Bank 2501 Texas 36, Gatesville, TX 76528 +1 (254) 248 - 1616
Western Finance 1104 N 16th St ste c, Orange, TX 77630 +1 (409) 882 - 9300
MoneyGram 1243 W Expy 83, Sullivan City, TX 78595 +1 (956) 485 - 9202
Walmart Money Center 800 W Gibson St, Jasper, TX 75951 +1 (409) 384 - 1707

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hart, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Del Rio, TX, Payday Loans in Denton, TX, Payday Loans in DeSoto, TX, Payday Loans in Duncanville, TX, Short-term Loans in Edinburg, TX, Bad Credit Loans in El Paso, TX, Payday Loans in Euless, TX and Emergency Loan in Farmers Branch, 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 Hart, TX.

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

79043

Are Payday Loans Legal In Hart, 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

Hart, TX payday loan calculator

Payday Loans in Hart, Texas: A Comprehensive Guide

If you are in a financial bind, you may be considering taking out a payday loan. While payday loans can be a viable solution for short-term financial needs, it’s important to understand the risks and responsibilities that come with taking out this type of loan. In this article, we will discuss everything you need to know about payday loans in Hart, Texas.

What are Payday Loans?

Payday loans are short-term loans that are designed to help you cover unexpected expenses or bills. Typically, payday loans are due on your next payday. They can be a convenient way to get cash quickly, but they also come with high-interest rates and fees.

How Do Payday Loans Work?

To take out a payday loan, you will need to provide proof of employment and income, as well as a valid ID. You will also need to provide your bank account information, as the loan will be deposited directly into your account.

The amount of the loan will vary, but typically it can be as much as $1,000 or more. The loan will be due in full on your next payday, at which point the lender will debit your bank account for the amount due, plus interest and fees.

Are Payday Loans Legal in Texas?

Yes, payday loans are legal in Texas. However, there are regulations in place to protect borrowers from high-interest rates and fees. Texas law caps interest rates on payday loans at 10% and limits the amount borrowers can borrow to 20% of their gross income.

The Risks of Payday Loans

While payday loans can be a convenient way to get cash quickly, they come with significant risks. The high-interest rates and fees can make it difficult to pay off the loan on time, which can lead to a cycle of debt.

Additionally, if you fail to repay the loan on time, the lender can charge additional fees and, in some cases, take legal action to collect the debt. This can result in wage garnishment or even seizure of assets.

Alternatives to Payday Loans

If you are in a financial bind and need cash quickly, there are alternatives to payday loans that may be more affordable. Some options include:

– Personal loans: Personal loans may offer more favorable interest rates and terms than payday loans. However, you will need good credit to qualify.

– Credit counseling: If you are struggling with debt and cannot make your payments, credit counseling may be a viable solution. A credit counselor can help you develop a plan to pay off your debts and get back on track financially.

– Side hustles: If you need some extra cash, consider taking on a side job or gig work. This can help you earn extra income without taking on debt.

Interesting Facts and Statistics about Payday Loans in Hart, Texas

– According to a study by the Texas Appleseed organization, the average payday loan borrower in Texas takes out 10 payday loans per year.

– In 2018, Texas payday loan borrowers paid over $1.4 billion in fees and interest alone.

– Over 80% of payday loan borrowers in Texas are unable to repay the loan on time and end up rolling over the loan or taking out another loan to cover the original loan.

Apply Now

If you are considering a payday loan, we encourage you to fill out an online application on our website. As a connector service, TheGuaranteedLoans will facilitate your connection with potential lenders. It’s important to remember that payday loans come with significant risks and should only be used as a last resort.

Conclusion

Payday loans can be a viable solution for short-term financial needs, but they come with significant risks. It’s important to understand the terms and fees associated with these loans before taking them out. If you are considering a payday loan, be sure to explore all of your options and weigh the risks and benefits carefully.

F.A.Q.

How do I apply for a payday loan in Hart, Texas?

To apply for a payday loan in Hart, Texas, you will need to provide proof of income and identification, as well as a valid checking or savings account. You can apply online or in person at a payday loan store.

What are the repayment terms for payday loans in Hart, Texas?

Repayment terms for payday loans in Hart, Texas vary by lender, but most require repayment within 14 days. Some lenders may offer extended repayment plans, but this may result in additional fees and interest charges.