Payday Loans in Leesville, Texas

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

Company nameAddressZip codePhone number
Oakwood State Bank 300 Main St, Oakwood, TX 75855 +1 (903) 545 - 2163
KJC Auto Title Loan Corporation 6606 Lawndale St, Houston, TX 77023 +1 (713) 923 - 9277
EZPAWN 2600 6th Ave, Amarillo, TX 79106 +1 (806) 374 - 3030
Stripes Check Cashing Machine 411 N Lynn Ave, Lamesa, TX 79331 +1 (806) 872 - 0110
Barri Office 102 W Sinton St, Sinton, TX 78387 +1 (361) 364 - 2681
Chaney's Tobacco Station - Cigars, Vape, Kratom, Snuff, Check Cashing, Bill Payment, Money Orders, Drive thru 1000 Gilmer St, Sulphur Springs, TX 75482 +1 (903) 438 - 8080
Famsa 311 W Edinburg Ave Ste 6, Elsa, TX 78543 +1 (956) 567 - 2165
World Finance 218 E Main St, Kilgore, TX 75662 +1 (903) 983 - 7734
First State Bank of Ben Wheeler 17588 TX-19, Canton, TX 75103 +1 (903) 567 - 7051
First State Bank Central Texas 120 Ed Schmidt Blvd a, Hutto, TX 78634 +1 (512) 846 - 1442

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Leesville, 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

Leesville, TX payday loan calculator

Payday Loans in Leesville, Texas

If you find yourself in need of some extra cash to pay for unexpected expenses or bills, you may be considering a payday loan. Texas is one of the states that allow payday lending, and Leesville is no exception. But before you apply for a payday loan, it’s essential to understand how they work and what the laws and regulations are regarding payday loans in Leesville, Texas.

What is a Payday Loan?

A payday loan is a short-term loan typically due on your next payday. The maximum amount you can borrow in Texas is $1,800, and the repayment term is between seven and 31 days. Payday loans usually come with high annual percentage rates (APRs) and fees because they are intended to be a short-term solution to a cash-flow problem.

Payday loan lenders in Leesville, Texas require borrowers to provide proof of income, a valid identification card, and a checking account. They do not perform credit checks, which can make it easier for borrowers with bad credit to qualify for a loan.

Are Payday Loans Legal in Leesville, Texas?

Yes, payday loans are legal in Leesville, Texas, and across the state. However, the state of Texas has enacted specific laws and regulations to protect borrowers and prevent loan sharks from operating in the state.

One of the regulations includes the maximum loan amount of $1,800 and the requirement that lenders must provide a disclosure statement with information about the fees, APR, and the total repayment amount.

What Fees and Interest Rates Can You Expect?

Payday lending is an expensive form of borrowing, and the fees and interest rates can add up quickly. In Texas, lenders can charge up to 10% APR on a payday loan, plus a fee of up to $30 per $100 borrowed. This means that if you borrow $500, you will have to repay more than $650, including fees and interest charges.

What Are the Risks of Payday Loans?

Although payday loans can be a quick way to get cash, they come with risks that borrowers should be aware of. The high APR and fees can make it difficult to repay the loan on time, which can lead to a cycle of debt and financial instability.

Another risk is that payday loans can lead to a cycle of borrowing, where borrowers take out successive loans to repay the previous ones. This can further increase the amount of interest and fees you have to pay, making it more challenging to get out of debt.

Interesting Facts and Statistics about Payday Loans in Leesville, Texas

  • There are approximately 3,500 payday lenders in Texas, more than double the number of McDonald’s fast-food restaurants in the state.
  • In 2020, the average payday loan amount in Texas was $506.67.
  • A study found that the average payday loan borrower in Texas takes out 10 payday loans per year, with an average APR of 661.87%.

Apply Now

If you are considering a payday loan in Leesville, Texas, TheGuaranteedLoans can connect you with potential lenders who can provide you with the cash you need. As a connector service, we do not lend money directly, but we work with a network of lenders who can provide you with a loan that meets your needs.

Applying for a payday loan through TheGuaranteedLoans is easy and convenient. You can fill out an online application form on our website, and we will match you with lenders who meet your requirements. We work with lenders who follow the regulations and guidelines set by the state of Texas, so you can be sure you are getting a safe and reliable loan.

Remember, before you apply for a payday loan, it’s important to understand the risks involved and make sure you can repay the loan on time. Payday loans can be expensive, and they should be considered a last resort when all other options have been exhausted.

F.A.Q.

Are payday loans legal in Leesville, Texas?

Yes, payday loans are legal in Leesville, Texas. The Texas Office of Consumer Credit Commissioner regulates the payday lending industry in the state.

How much can I borrow with a payday loan in Leesville, Texas?

The maximum amount that can be borrowed with a payday loan in Leesville, Texas is $500. However, lenders may not lend more than 20% of the borrower's gross monthly income or 25% of their net income.