Payday Loans in Josephine, Texas

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

Company nameAddressZip codePhone number
Herring Bank - Azle 108 Industrial Ave, Azle, TX 76020 +1 (817) 444 - 4838
Covington Credit of Texas 4539 Garth Rd Suite 210-B, Baytown, TX 77521 +1 (281) 201 - 5844
GO Federal Credit Union - Lancaster Branch 3200 W Pleasant Run Rd 100, Lancaster, TX 75146 +1 (214) 742 - 6551
Loan Express 5910 Scott St, Houston, TX 77021 +1 (713) 842 - 1815
Excel Finance 1620 N Conway Ave, Mission, TX 78572 +1 (956) 580 - 0255
R Bank 360 TX-29, Bertram, TX 78605 +1 (512) 355 - 2121
Check n Go 236 Farm to Market 1960 Bypass Rd E, Humble, TX 77338 +1 (281) 540 - 0700
CommunityBank of Texas 645 N 5th St, Silsbee, TX 77656 +1 (409) 386 - 6058
Charles Johnson Finance 615 N 1st St, Carrizo Springs, TX 78834 +1 (830) 876 - 3000
Service Loan Company 1710 S Texas Ave, Bryan, TX 77802 +1 (979) 704 - 5252

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Josephine, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Spring, TX, Payday Loans in Sugar Land, TX, Online Loans in Temple, TX, Payday Loans in Texarkana, TX, Payday Loans in Texas City, TX, Payday Loan Companies in The Colony, TX, Short-term Loans in Tyler, TX and Payday Loans in Victoria, 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 Josephine, TX.

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

75164

Are Payday Loans Legal In Josephine, 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

Josephine, TX payday loan calculator

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

If you’re struggling to make ends meet between paydays, a payday loan may seem like an attractive option. Payday loans are short-term loans that can help cover emergency expenses, unexpected bills, or any shortfall in cash flow until your next paycheck arrives. In Josephine, Texas, payday loans are legal, but it’s important to understand the risks and limitations before taking one out.

How Do Payday Loans Work?

Payday loans work by providing you with a small, short-term loan based on your income and credit history. You’ll typically be required to repay the loan in full, along with any fees and interest, on your next payday. Some lenders may allow you to repay the loan over multiple paydays, but this will often come with higher interest rates and fees.

When you apply for a payday loan, you’ll typically be asked to provide proof of your income and employment, along with your banking information. The lender will use this information to determine how much you can borrow, and the terms of repayment.

Risks of Payday Loans

While payday loans can be a useful tool for managing short-term financial emergencies, they also come with significant risks. One of the biggest risks is the high cost of borrowing. Payday loans often come with high-interest rates and fees, which can quickly add up if you’re not able to repay the loan on time.

Another risk of payday loans is the potential for debt cycles. If you’re unable to repay the loan on time, you may be required to renew or roll over the loan, which will incur additional fees and interest. This can quickly lead to a cycle of debt, where you’re continuously borrowing to repay previous loans.

Additionally, many payday lenders have been criticized for their aggressive collection tactics, including threats of legal action and harassment.

Payday Loans in Josephine, Texas

In Texas, payday loans are legal, but subject to certain regulations. These regulations include:

  • Maximum loan amount of $1,800
  • Maximum term of 180 days
  • Maximum finance charges of 10% of the loan amount
  • No criminal action can be taken against borrowers who default on their loans

If you’re considering a payday loan in Josephine, Texas, it’s important to find a reputable lender who is transparent about their rates and fees, and who will work with you to find a repayment plan that fits your budget.

Apply Now

If you’ve decided that a payday loan is the right option for you, TheGuaranteedLoans is here to help. We are a connector service, not a direct lender, and we work with a network of reputable lenders who can provide you with a loan that best fits your needs and budget.

To get started, simply fill out our online application, and we’ll connect you with a potential lender. Our application process is fast, easy, and secure, and you’ll typically receive a decision within minutes. So why wait? Apply now and get the cash you need today!

Interesting Facts and Statistics about Payday Loans in Josephine, Texas

  • In 2019, the total volume of payday loans in Texas was $8.1 billion
  • The average payday loan in Texas is $470
  • The average interest rate on a payday loan in Texas is 662%
  • In 2019, the average borrower in Texas took out 4.6 payday loans
  • According to a survey by the Consumer Financial Protection Bureau, 80% of payday loans in the US are rolled over or renewed within two weeks

F.A.Q.

How long does it take to receive the funds from a payday loan in Josephine, Texas?

If the borrower is approved for a payday loan in Josephine, Texas, the funds are typically deposited into their checking account within one business day. However, the exact timeline may vary depending on the lender and the borrower's individual circumstances.

Can I cancel a payday loan in Josephine, Texas?

Yes, borrowers in Josephine, Texas have the right to cancel a payday loan within 72 hours of taking out the loan. To do so, the borrower must return the full amount of the loan and any associated fees to the lender.