Payday Loans in Lufkin, Texas

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Payday Loan Companies in Lufkin, TX

Company nameAddressZip codePhone number
Advance America 454 N Timberland Dr 75901 +1 (936) 634 - 4510
Angelina Check Express 3009 S John Redditt Dr 75904 +1 (936) 637 - 2274
Angelina Federal Employees Credit Union 900 Pershing Ave 75904 +1 (936) 632 - 7691
Atlas Credit Co., Inc. 120 E Lufkin Ave 75901 +1 (936) 634 - 4262
Bell Finance Co 1010 E Denman Ave 75901 +1 (936) 634 - 4473
Cash Store 107 S Timberland Dr 75901 +1 (936) 639 - 2535
CashMax Title & Loan 300 S Chestnut St 75901 +1 (936) 634 - 4000
Check n Go 3009 S John Redditt Dr Ste D 75904 +1 (936) 699 - 4355
Covington Credit 1600 W Frank Ave Ste A 75904 +1 (936) 639 - 6674
Goldstar Finance 303 E Denman Ave G 75901 +1 (936) 639 - 5626
Hobby Services Fast Cash 911 S Chestnut St 500 75901 +1 (936) 632 - 2424
JRM Title Loan 1506 S 1st St 75901 +1 (936) 632 - 7265
Lendmark Financial Services LLC 3009 S John Redditt Dr C 75904 +1 (936) 632 - 7553
Loanstar Title Loans 903 N Timberland Dr 75901 +1 (936) 634 - 9955
Paycheck Express 1885 W Frank Ave 75904 +1 (936) 634 - 1413
Security Finance 206 E Lufkin Ave 75901 +1 (936) 632 - 3328
Service Loan Co 508 E Denman Ave A 75901 +1 (936) 637 - 2353
Swift Cash 1871 W Frank Ave 75904 +1 (936) 634 - 2497
T K's Cash Advance 3213 S Medford Dr 75901 +1 (936) 634 - 2274
Texan Credit Corporation 509 S Timberland Dr 75901 +1 (936) 632 - 1728
Texas Car Title & Payday Loan Services, Inc. 617 N Timberland Dr 75901 +1 (936) 637 - 0100
The Bill Payment Center Inc 3213 S Medford Dr 304 75901 +1 (936) 205 - 1077
The Loan Depot 2950 S John Redditt Dr 75904
Thrifty Loans LLC 107 N Timberland Dr 203 75901 +1 (936) 632 - 0822
Toledo Finance Corporation 110 E Lufkin Ave 75901 +1 (936) 632 - 3100
Western Finance 535 S Chestnut St STE B 75901 +1 (936) 637 - 1777

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lufkin, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Mansfield, TX, Payday Loans in McAllen, TX, Emergency Loan in McKinney, TX, Payday Loans in Mesquite, TX, Payday Loans in Midland, TX, Payday Loans in Mission, TX, Online Loans in Missouri City, TX and Payday Loans in Nacogdoches, 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 Lufkin, TX.

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

75904, 75903, 75902, 75901, 75915

Are Payday Loans Legal In Lufkin, 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

Lufkin, TX payday loan calculator

Payday Loans in Lufkin, Texas: An Introduction

Payday loans are a type of short-term loan, legal in the state of Texas, and typically used to cover a borrower’s expenses until their next paycheck. These loans are generally easier to obtain than traditional bank loans, but also come with much higher interest rates and fees. For residents of Lufkin, Texas, payday loans are an option to consider when money is tight and there is no other way to get the funds you need.

What are Payday Loans?

Payday loans, also referred to as deferred deposit loans, are a type of loan that typically provides borrowers with a small, short-term loan of up to $500. The terms of these loans usually require the borrower to repay the loan in full on their next paycheck, thus the name “payday” loan. The loans do not require a credit check, making them a popular option for those with bad credit or no credit history.

Payday Loan Regulations in Texas

Payday loans are legal in the state of Texas and are regulated by the Office of Consumer Credit Commissioner. Regulations include a maximum loan term of 180 days, a maximum loan amount of $500, a maximum fee of $10 per $100, and an annual percentage rate (APR) of no more than 510%. For example, a loan of $200 with a fee $20 would result in an APR of 260%. Borrowers should be aware that these regulations only apply to payday loans issued in Texas and that payday loans issued in other states may have different regulations.

Payday Loans in Lufkin, Texas

For those who live in and around Lufkin, Texas, payday loans are available from a variety of lenders. Payday loan stores in Lufkin are typically found in more heavily-populated areas and can be identified by signs advertising payday loans or cash advances. The internet has also made it easier to find payday loans in Lufkin, with many online payday loan companies offering loans to Lufkin residents.

The Benefits and Risks of Payday Loans

Payday loans can be beneficial when used responsibly and can be a viable solution to short-term financial needs. The main benefit of payday loans is that they are easy to obtain for those who may not be eligible for traditional bank loans. Furthermore, payday loans come with fewer restrictions than traditional loans, making them a more flexible form of financing.

At the same time, payday loans come with significant risks. Most notably, the high interest rates and fees associated with payday loans can make them expensive, often costing more than other forms of loans. Furthermore, borrowers may be at risk of getting into a cycle of debt if they cannot repay their loan in time. Borrowers should take the time to understand the terms and costs associated with payday loans before taking one out.

Alternatives to Payday Loans

Payday loans should only be taken out as a last resort, and borrowers should consider other options before taking out a payday loan. Alternatives to payday loans include borrowing from family or friends, getting a cash advance from a credit card, or taking out a loan from a bank or credit union. Each of these options can provide funds without the high costs typically associated with payday loans.

Apply Now

If you are in need of a payday loan in Lufkin, Texas, TheGuaranteedLoans can help. We are not a lender, but our online application can connect you with one of our lenders. Through our secure online application, you will be able to apply for the funds you need, without having to leave the comfort of your own home.

Frequently Asked Questions (FAQ)

Are payday loans legal in Texas?
Yes, payday loans are legal in the state of Texas. The Office of Consumer Credit Commissioner regulates payday loans in Texas, which includes a maximum loan term of 180 days, a maximum loan amount of $500, a maximum fee of $10 per $100, and an annual percentage rate (APR) of no more than 510%.

What happens if I cannot pay back my payday loan?
If you are unable to pay back your payday loan, you should contact the lender immediately to discuss your options. The lender may be able to extend the loan or provide other options. It is important to remember that in Texas, lenders are not allowed to rollover your loan, meaning they cannot add fees and interest onto the loan and extend it without your agreement.

Do I need a credit check to get a payday loan?
No, you do not need a credit check to get a payday loan. Payday loans do not typically require a credit check, making them a popular option for those with bad credit or no credit history.

More F.A.Q.

Can a payday lender repossess my property in Lufkin, Texas?

No, payday lenders in Lufkin, Texas are not allowed to repossess your property, such as your car or home, to recover the debt. If you default on a payday loan, the lender may only be able to collect the debt through legal means, such as suing you or garnishing your wages.

Can a payday lender freeze my bank account in Lufkin, Texas?

No, payday lenders in Lufkin, Texas are not allowed to freeze your bank account to recover the debt. If you default on a payday loan, the lender may be able to withdraw funds from your account through other means, such as a court-ordered garnishment.

How Many Cash Advance Companies are in Lufkin, TX?

With the help of our service, you will be able to find 26 cash advance companies in Lufkin, TX

What Cash Advance Companies in Lufkin, TX are the most popular?

You should check Advance America, Angelina Check Express, and Angelina Federal Employees Credit Union. Also, you can start your application online on our website.