Payday Loans in Jonesboro, Texas

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

Company nameAddressZip codePhone number
Texas Gulf Bank 1400 N Brazosport Blvd, Freeport, TX 77541 +1 (979) 233 - 3536
Pantex Federal Credit Union Inside Walmart 1501 Roosevelt St, Borger, TX 79007 +1 (806) 273 - 5698
World Finance 1708 Bethel Rd, Weatherford, TX 76086 +1 (817) 599 - 0777
World Finance 3926 Avenue H Ste 21, Rosenberg, TX 77471 +1 (281) 239 - 8855
B & F Finance 318 E Oak St 140, Denton, TX 76201 +1 (940) 566 - 0300
Metro Lending 12418 Donna Dr, Houston, TX 77067 +1 (281) 872 - 7175
Texas Champion Bank 1901 N Saint Marys Street, Beeville, TX 78102 +1 (361) 354 - 5092
Security State Bank & Trust 23596 US-290, Harper, TX 78631 +1 (830) 864 - 4400
Barri Agent 825 Austin St, Hempstead, TX 77445
Regional Finance 4070 N Belt Line Rd Suite 153, Irving, TX 75038 +1 (469) 263 - 1130

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jonesboro, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pharr, TX, Same Day Loans in Plano, TX, Payday Loans in Port Arthur, TX, Guaranteed Loans in Richardson, TX, Payday Loans in Rockwall, TX, Payday Loans in Rosenberg, TX, Payday Loans in Round Rock, TX and Payday Loan Without a Credit Check in Rowlett, 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 Jonesboro, TX.

Are Payday Loans Legal In Jonesboro, 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

Jonesboro, TX payday loan calculator

Everything You Need to Know About Payday Loans in Jonesboro, Texas

If you are in need of quick cash in Jonesboro, Texas, payday loans might be a viable option for you. Payday loans are short-term loans designed to provide individuals with the immediate funds needed to cover unexpected expenses. Despite mixed opinions, payday loans are completely legal in Texas. In this article, we’ll explore the common characteristics of payday loans, the rules and regulations in Jonesboro, and how to apply for one.

What Are Payday Loans?

Payday loans are short-term loans with a maximum duration of 180 days in Texas. The average payday loan is $500, but the amount can vary between $100 and $1,000. The borrower receives the loan and agrees to pay it back with interest and fees on their next payday, typically within two weeks to a month.

How Do Payday Loans Work?

To obtain a payday loan, you need to be at least 18 years old and provide the following documents:

  • A valid photo ID
  • Proof of employment or reliable income source
  • Proof of an active checking account

When you complete the application process with your lender’s company, you will typically receive the money within hours or the next working day.

Rules and Regulations in Jonesboro, Texas

Payday lenders in Jonesboro, Texas and the whole of Texas are regulated by the state. The following rules apply:

  • The maximum payday loan amount is $1,000
  • The maximum loan term is 180 days
  • Lenders must have a state license to offer payday loans
  • The maximum finance charge is $10 per $100 borrowed
  • The annual percentage rate (APR) ranges from 390% to 680%

It is worth noting that taking out more than one payday loan at a time is not recommended, and it is illegal for lenders to roll over a loan or extend the loan period beyond 180 days.

Apply Now for a Payday Loan

If you’re in Jonesboro, Texas, and need quick cash, TheGuaranteedLoans is here to help. Our site is designed to connect individuals with payday lenders in their area. However, we do not directly lend money, nor do we have control over the terms of your loan. We are simply a connecting service that facilitates the exchange between borrowers and lenders. With this in mind, we always recommend that you carefully read the terms and conditions before signing a loan agreement.

Interesting Facts about Payday Loans in Jonesboro, Texas

Did you know that:

  • In Texas, payday lenders charge $23.53 per $100 borrowed on average, compared to the national average of $15 per $100 borrowed.
  • As of 2021, there were over 2,000 payday lenders in Texas.
  • In Texas, payday loans generate over $1 billion in fees per year.
  • The number of payday loan stores in Texas outnumbers the number of McDonald’s fast food restaurants.

These figures indicate that payday loans are a popular option in Texas, but as with any loan, it is important to be mindful of the terms and conditions before signing on the dotted line.

The Bottom Line

Payday loans in Jonesboro, Texas, offer a solution for those in need of fast cash to cover unexpected expenses. Before taking out a payday loan, always read the loan agreement carefully and ensure you fully understand the terms and conditions. If you decide that a payday loan is the right option for you, fill out an application on TheGuaranteedLoans website today, and we’ll connect you with lenders in your area.

F.A.Q.

Are there any restrictions on how I can use the funds from a payday loan in Jonesboro, Texas?

No, borrowers are free to use the funds from a payday loan in Jonesboro, Texas for any purpose. However, it is important to remember that these loans should only be used for short-term financial emergencies and not for long-term financial planning.

What are the consequences of defaulting on a payday loan in Jonesboro, Texas?

If a borrower defaults on a payday loan in Jonesboro, Texas, the lender may pursue collection efforts, including contacting the borrower's employer, contacting third-party debt collectors, or taking the borrower to court. Defaulting on a payday loan can also have a negative impact on the borrower's credit score.