Payday Loans in Ledbetter, Texas

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

Company nameAddressZip codePhone number
Tarrant County's Credit Union 200 Taylor St 215, Fort Worth, TX 76196 +1 (817) 884 - 1470
Southern Finance 5110 McPherson Rd, Laredo, TX 78041 +1 (956) 726 - 9977
First National Bank 321 1st St, Woodsboro, TX 78393 +1 (361) 543 - 4511
Oportun 301 E Expy 83, Mission Hidalgo, TX 78573
Loan Defenders 14405 Walters Rd, Houston, TX 77014 +1 (281) 781 - 8820
Covington Credit 1446 W. Moore Street, Terrell, TX 75160 +1 (469) 410 - 3621
Jeff Davis County Abstract Co 309 TX-17, Fort Davis, TX 79734 +1 (432) 426 - 3288
Pawn Shop 201 S Davis St, Sulphur Springs, TX 75482 +1 (903) 885 - 6789
First Community Bank 2701 Padre Blvd, South Padre Island, TX 78597 +1 (956) 761 - 8589
First State Bank Central Texas 617 US-281, Marble Falls, TX 78654 +1 (830) 693 - 3595

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ledbetter, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cedar Park, TX, No Credit Check Loans in Channelview, TX, Payday Loans in College Station, TX, Payday Loans in Conroe, TX, Short-term Loans in Coppell, TX, No Credit Check Loans in Copperas Cove, TX, Guaranteed Loans in Corpus Christi, TX and Payday Loan for Dallas, 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 Ledbetter, TX.

Are Payday Loans Legal In Ledbetter, 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

Ledbetter, TX payday loan calculator

Payday Loans in Ledbetter, Texas

In the state of Texas, payday lending is legal and regulated, meaning residents of Ledbetter can apply for short-term loans when they need fast access to cash. Payday loans can serve as a lifeline in times of financial need; however, they should be used with caution, as they come with high fees and interest rates.

What are Payday Loans?

Payday loans are small-dollar loans that are typically due in full at the borrower’s next payday. They are short-term solutions for individuals who need emergency cash to cover expenses such as rent, utility bills, or unexpected car repairs. Payday loans are unsecured, meaning they do not require collateral, but they come with high fees and interest rates.

Payday Loan Legislation in Texas

In Texas, payday lenders are regulated by the Texas Office of Consumer Credit Commissioner. The maximum amount a borrower can receive from a payday loan is $1,000 or 20% of their gross monthly income, whichever is less. The maximum loan term is 180 days, and the maximum interest rate on a $100 loan is 410%. These regulations are in place to protect consumers from predatory lenders and excessive fees.

Applying for a Payday Loan in Ledbetter, Texas

Residents of Ledbetter can apply for payday loans online or in person at a payday lending store. The application process is simple and typically requires proof of income, identification, and a valid checking account. Once approved, borrowers receive cash on the same day or the next business day.

Risks of Payday Loans

While payday loans can provide quick access to cash, they come with high fees and interest rates that can trap consumers in a cycle of debt. The average APR on a payday loan in Texas is 454%, making it difficult for borrowers to repay the loan in full without incurring additional fees or taking out another loan. For this reason, payday loans should be used with caution and only in emergencies.

Interesting Facts about Payday Loans in Ledbetter, Texas

  • According to a 2017 report by the Texas Office of Consumer Credit Commissioner, the average borrower takes out eight payday loans per year, with an average loan amount of $470.
  • Payday lenders in Texas made over $1.8 billion in loans and charged $1.4 billion in fees in 2015, according to a report by the Center for Public Policy Priorities.
  • Payday lenders are concentrated in areas with a high percentage of African American and Hispanic residents, according to a study by the Center for Responsible Lending.

Apply Now for a Payday Loan on TheGuaranteedLoans

If you are in need of emergency cash and reside in Ledbetter, Texas, consider applying for a payday loan on TheGuaranteedLoans. Our online application process is simple and secure, and we will connect you with potential lenders who can provide the funds you need. Please remember to use payday loans responsibly and only in emergencies.

Important Note: TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or provide loans. We simply facilitate the connection between borrowers and potential lenders.

F.A.Q.

Are payday loans in Ledbetter, Texas regulated by the state government?

Yes, payday loans in Ledbetter, Texas are regulated by the state government. This includes restrictions on the maximum amount you can borrow, the maximum loan term, and the fees and charges that lenders are allowed to charge.

Is it possible to get a payday loan in Ledbetter, Texas with bad credit?

Yes, it is possible to get a payday loan in Ledbetter, Texas with bad credit. Most payday lenders do not require a credit check, so your credit score will not affect your eligibility for a loan. However, you may still be required to provide proof of income and other information to qualify for a payday loan.