Payday Loans in Highlands, Texas

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

Company nameAddressZip codePhone number
Texas Car Title & Payday Loan Services, Inc. 1010 Lamar St, Sweetwater, TX 79556 +1 (325) 235 - 5400
World Finance 2150 N Josey Ln Ste 218, Carrollton, TX 75006 +1 (972) 245 - 6194
Cash Store 13249 Montfort Dr, Dallas, TX 75240 +1 (972) 934 - 1682
Cash America Pawn 320 N Hewitt Dr, Hewitt, TX 76643 +1 (254) 420 - 2750
Worth Finance Corporation 618 S Guadalupe St 102, San Marcos, TX 78666 +1 (512) 337 - 8510
EZ Money Loan Services 1100 N 16th St, Orange, TX 77630 +1 (409) 886 - 5359
Barri Office 501 S Alamo Rd 106, Alamo, TX 78516 +1 (956) 377 - 2025
EZ Money 917 N Grandview Ave, Odessa, TX 79761 +1 (432) 335 - 8781
Texas Car Title & Payday Loan Services, Inc. 803 SE 1st St, Mineral Wells, TX 76067
LoanStar Title Loans 3705 W Industrial Blvd, Waco, TX 76711 +1 (254) 340 - 6510

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Highlands, TX, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Euless, TX, Payday Loan Companies in Farmers Branch, TX, Payday Loan Without a Credit Check in Flower Mound, TX, No Credit Check Loans in Fort Worth, TX, Short-term Loans in Friendswood, TX, Payday Loans in Frisco, TX, Same Day Loans in Galveston, TX and Payday Loans in Garland, 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 Highlands, TX.

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

77562

Are Payday Loans Legal In Highlands, 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

Highlands, TX payday loan calculator

Payday Loans in Highlands, Texas

Payday loans are a popular form of short-term lending that has become increasingly common in recent years. In Texas, payday loans are legal and available in many cities and towns, including Highlands. If you’re considering taking out a payday loan in Highlands, it’s important to understand how they work, the benefits and drawbacks of these loans, and how to choose a reputable lender.

How Do Payday Loans Work?

Payday loans are typically small, unsecured loans that are intended to be repaid quickly – usually within a few weeks or months. To qualify for a payday loan in Texas, you must be at least 18 years old and have a steady source of income, such as a job or government benefits. You’ll also need a valid ID, proof of income, and a checking account.

To apply for a payday loan in Highlands, Texas, you can either visit a storefront lender in person or apply online. The lender will typically ask you to provide personal and financial information, such as your name, address, Social Security number, and banking information. They’ll also ask you to write a postdated check or provide permission to debit your checking account for the total amount of the loan plus interest and fees.

If you’re approved for a payday loan, you’ll receive cash or a direct deposit into your checking account. You’ll be required to pay back the loan plus interest and fees by the due date – usually your next payday. If you’re unable to repay the loan, the lender may charge additional fees and interest and report your delinquent payment to credit bureaus, which can harm your credit score.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some of the pros and cons of payday loans:

Pros:

  • Quick and easy access to cash for emergency expenses
  • No collateral required
  • No credit check required

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Potential for a cycle of debt
  • Can harm your credit score if not repaid on time

It’s important to carefully consider these pros and cons before taking out a payday loan. If you’re in need of emergency funds, a payday loan can be a useful option. However, if you’re not careful and don’t repay the loan on time, you could end up paying more in fees and interest than the loan is worth.

Choosing a Reputable Lender

When choosing a payday lender in Highlands, Texas, it’s important to do your research and choose a reputable lender. Look for lenders that are licensed to operate in Texas and have a strong reputation for customer service and transparency. You should also compare interest rates and fees from different lenders to ensure you’re getting the best deal.

You can also check with the Texas Office of Consumer Credit Commissioner to see if a lender is licensed and has any complaints or legal actions against them. Additionally, read online reviews from other borrowers to get a sense of the lender’s reputation and customer service.

Interesting Facts and Statistics about Payday Loans in Highlands, Texas

  • According to the Texas Office of Consumer Credit Commissioner, there were over 1.8 million payday loans issued in Texas in 2020, totaling over $4 billion in loan volume.
  • The average interest rate for a payday loan in Texas is over 600%, making it one of the most expensive states for payday lending.
  • According to a study by the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year and spends almost 200 days in debt annually.

Apply Now

If you’re in need of emergency funds and are considering a payday loan in Highlands, Texas, TheGuaranteedLoans can help connect you with a potential lender. Simply fill out our online application and we’ll match you with a lender who meets your financial needs. Remember, we’re a connector service and not a direct lender, so you’ll work directly with the lender to finalize your loan.

At TheGuaranteedLoans, we’re committed to providing our customers with access to fast, easy, and transparent lending options. Apply now to get started.

F.A.Q.

Is it possible to obtain a payday loan in Highlands, Texas without a credit check?

Yes, it is possible to obtain a payday loan in Highlands, Texas without a credit check. However, lenders may still require proof of income and a valid checking or savings account.

How do I compare payday loan options in Highlands, Texas?

When comparing payday loan options in Highlands, Texas, it is important to consider factors such as the interest rate, fees, repayment terms, and overall cost of the loan. It is also important to research the lender and read reviews from other customers before making a decision.