Payday Loans in Irene, Texas

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

Company nameAddressZip codePhone number
Western Finance 1692-1698 N Zaragoza Rd, El Paso, TX 79936 +1 (915) 856 - 6490
EZ Money Payday & Title Loans 3225 Harwood Rd, Bedford, TX 76021 +1 (817) 864 - 0237
H & H Federal Credit Union 102 N Main, Stinnett, TX 79083 +1 (806) 878 - 2452
Walmart Money Center 2610 W Dickinson Blvd, Fort Stockton, TX 79735
Charles Johnson Finance 501 E Gibbs St, Del Rio, TX 78840 +1 (830) 775 - 3731
Walmart Money Center 1501 I-27, Plainview, TX 79072
Gold Star Finance 305 E Main St B, Atlanta, TX 75551 +1 (903) 796 - 6100
First State Bank Central Texas 215 Westmoreland, Mason, TX 76856 +1 (325) 347 - 5347
Raymond James 1177 Rockingham Dr 155, Richardson, TX 75080 +1 (972) 238 - 3555
Education Credit Union - I-40 4400 I-40 Frontage Rd, Amarillo, TX 79106 +1 (806) 358 - 7777

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Irene, TX, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Keller, TX, Payday Loans in Killeen, TX, Payday Loans in Kyle, TX, Payday Loans in La Porte, TX, Payday Loans in Lancaster, TX, Payday Loans in Laredo, TX, Payday Loan Companies in League City, TX and Payday Loans in Leander, 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 Irene, TX.

Are Payday Loans Legal In Irene, 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

Irene, TX payday loan calculator

Exploring Payday Loans in Irene, Texas

Payday loans are legal in the state of Texas, and Irene is no exception. However, these loans can be risky for those who don’t understand the terms and conditions of the loan. This article will explore what payday loans are, how they work, and some important facts to keep in mind before taking out a payday loan in Irene, Texas.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans are designed to bridge the gap between paychecks when unexpected expenses arise, such as car repairs or medical bills. The amount of the loan is typically small, ranging from $100 to $1,000, depending on the lender and the borrower’s income.

To be eligible for a payday loan, the borrower must provide proof of income and have an active checking account. The lender will also require a post-dated check or authorization to withdraw the loan amount plus fees from the borrower’s bank account on the due date.

How Payday Loans Work

When you apply for a payday loan, the lender will typically require proof of income, such as a recent pay stub, and a copy of your bank statement. The lender will also ask for your contact information, including your home address and phone number.

Once you’re approved for a payday loan, the lender will deposit the loan amount into your bank account within a few hours. The loan is typically due on your next payday, and the lender will either cash the post-dated check or withdraw the loan amount plus fees directly from your bank account.

The Pros and Cons of Payday Loans

Payday loans can be an attractive option for those who need quick access to cash. However, payday loans come with high interest rates and fees, making them expensive in the long run. In addition, payday loans can trap borrowers in a cycle of debt, making it difficult to pay the loan off on time.

It’s important to fully understand the terms and conditions of a payday loan before taking one out. If you can’t afford to pay the loan back on time, you may be charged additional fees and interest, putting you even further into debt.

Important Facts to Keep in Mind

If you’re considering a payday loan in Irene, Texas, there are some important facts to keep in mind. First, Texas state law requires that payday lenders are licensed and regulated by the state. This means that lenders must follow certain rules and regulations, such as posting their fees and interest rates and providing clear disclosures about the loan terms.

In addition, Texas law caps the maximum amount of a payday loan at $1,800 and limits the interest rate to no more than 10%. However, lenders are still allowed to charge fees, which can make the total cost of the loan much higher.

Interesting Facts and Statistics about Payday Loans in Irene, Texas

– There are over 3,500 payday lending storefronts across the state of Texas.
– Texas has one of the highest rates of payday lending in the United States.
– The average payday loan in Texas is $462 and carries an average interest rate of 664%.

Apply Now

If you’re in need of a payday loan in Irene, Texas, TheGuaranteedLoans can help connect you with potential lenders. It’s important to remember that we are a connector service, not a direct lender, and we do not make credit decisions. However, we can help facilitate the connection between you and potential lenders, making the process of getting a payday loan easier and more convenient.

To apply for a payday loan, simply fill out our online application form and we’ll do the rest. Our application process is quick and easy, and you can receive a response from potential lenders within minutes.

Conclusion

Payday loans can be a useful tool for those who need quick access to cash, but they can also be an expensive and risky option. If you’re considering a payday loan in Irene, Texas, it’s important to fully understand the terms and conditions of the loan, as well as the risks involved. With the right information and careful consideration, you can make an informed decision about whether a payday loan is the right option for you.

F.A.Q.

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

Repayment terms for payday loans in Irene, 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.

Are there any restrictions on how payday loans can be used in Irene, Texas?

Yes, payday loans in Irene, Texas can only be used for short-term financial needs and cannot be used to pay off existing loans or credit card debt.