Payday Loans in Lucas, Texas

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

Company nameAddressZip codePhone number
Security Finance 2525A 19th St, Hondo, TX 78861 +1 (830) 426 - 4339
City Bank Mortgage 771 E US Hwy 80 100 Suite 100, Forney, TX 75126 +1 (972) 564 - 1200
Floss 5400 Parker Henderson Rd 276, Fort Worth, TX 76119 +1 (469) 202 - 0894
Austin Telco Federal Credit Union 530 TX-71, Bastrop, TX 78602 +1 (512) 302 - 5555
First Service Credit Union 8640 Spring Cypress Rd, Spring, TX 77379 +1 (713) 679 - 7426
Capital Farm Credit 1601 W American Blvd, Muleshoe, TX 79347 +1 (806) 272 - 3010
ACE Cash Express 830 N Main St, Vidor, TX 77662
Wells Fargo Bank 1106 E Sarah DeWitt Dr, Gonzales, TX 78629 +1 (830) 203 - 3132
IBERIABANK 1000 Memorial City Mall, Houston, TX 77024 +1 (713) 624 - 7870
Covington Credit 2921 Palmer Hwy, Texas City, TX 77590 +1 (409) 941 - 9090

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lucas, TX, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Nacogdoches, TX, Payday Loans in New Braunfels, TX, Payday Loans in North Richland Hills, TX, Payday Loans in Odessa, TX, Payday Loans in Pasadena, TX, Payday Loans in Pearland, TX, Online Loans in Pflugerville, TX and Payday Loans in Pharr, 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 Lucas, TX.

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

75002

Are Payday Loans Legal In Lucas, 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

Lucas, TX payday loan calculator

What are Payday Loans?

Payday loans are short-term loans that are typically used to cover unexpected expenses such as medical bills, car repairs, or other emergencies. These loans are usually due on the borrower’s next payday and are designed to be paid back within a few weeks.

Payday Loans in Lucas, Texas

In Texas, payday loans are legal, and those living in Lucas are no exception. The state has regulations in place to protect consumers from exorbitant fees and interest rates. However, it is important to note that payday loans can still be pricey, so borrowers should only take out what they can repay comfortably and on time.

How to Apply for a Payday Loan in Lucas, Texas?

Applying for a payday loan is easy. Potential borrowers can apply online, over the phone, or in-person at a brick-and-mortar location. The process typically involves providing personal and financial information, including proof of income, identification, and a bank account. Once approved, the funds are usually deposited into the borrower’s bank account within one business day.

What are the Requirements for a Payday Loan in Lucas, Texas?

Payday loans in Lucas, Texas have several requirements for potential borrowers. These include:

  • Must be 18 years of age or older
  • Must have a valid government-issued ID
  • Must provide proof of income, such as a pay stub
  • Must have an active bank account

Before applying for a loan, potential borrowers should ensure they meet these requirements to increase their chances of approval.

Interest Rates and Fees for Payday Loans in Lucas, Texas

Interest rates and fees for payday loans in Lucas, Texas vary depending on the lender and the amount borrowed. However, the state has imposed caps on the fees that can be charged. According to state law, lenders can charge up to 10% of the loan amount as a fee, with a maximum of $30 per $100 borrowed. Additionally, lenders can charge up to 48% APR for loans up to $1,500 and up to 36% APR for loans over $1,500.

Benefits of Payday Loans

Payday loans in Lucas, Texas can be a helpful solution to unexpected expenses or emergencies. They are easy to apply for, with minimal documentation required, and can be processed quickly. Additionally, payday loans require no collateral, unlike other types of loans.

Risks of Payday Loans

While payday loans can be helpful in times of need, they can also be risky. The interest rates and fees can be high, causing borrowers to accumulate debt quickly. Additionally, if a borrower cannot repay the loan on time, they may incur additional fees and damage to their credit score. Therefore, it is essential that potential borrowers understand the risks and ensure that they can repay the loan comfortably before applying.

Interesting Facts About Payday Loans in Lucas, Texas

  • 1 in 4 payday loans in Texas ends up in default
  • The average payday loan in Texas is $470
  • Payday lenders in Texas made $1.3 billion in fees alone in 2017
  • Payday loans are prohibited in 17 states and the District of Columbia
  • Over 2 million Texans take out payday loans each year

TheGuaranteedLoans Online Application

For those in Lucas, Texas who need a payday loan, TheGuaranteedLoans can help. As a connector service, we connect potential borrowers with lenders who can offer them the funds they need. Our online application is simple and easy to use, and we can help those who may have been turned down by traditional lenders due to poor credit or financial history. At TheGuaranteedLoans, we believe that everyone deserves access to the funds they need to live their lives, regardless of their credit score.

By filling out our online application, potential borrowers can connect with lenders in minutes and have access to loans as soon as the next business day. However, it is important to remember that payday loans can be expensive, and borrowers should only take out what they can comfortably repay.

Conclusion

Payday loans can be a helpful solution to unexpected expenses or emergencies in Lucas, Texas, but they can also be risky. It is essential that potential borrowers understand the risks and ensure that they can comfortably repay the loan before applying. TheGuaranteedLoans can help connect those in need with lenders who can offer them the funds they need, but we encourage everyone to use payday loans responsibly.

F.A.Q.

Can I be charged additional fees for using a payday loan in Lucas, Texas?

Yes, in addition to the interest charges, payday lenders in Lucas, Texas may charge additional fees for processing, origination, and late or missed payments. It is important to carefully review the loan agreement and understand all fees that may be associated with the loan before signing.

Is it possible to obtain a payday loan in Lucas, Texas without a credit check?

Yes, it is possible to obtain a payday loan in Lucas, Texas without a credit check. However, lenders may still require proof of income and a valid checking or savings account.