Payday Loans in Oak Ridge North, Texas

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No payday loan companies in Oak Ridge North, TX. Consider companies in other cities:

Company nameAddressZip codePhone number
CashMax Title & Loan 300 S Chestnut St, Lufkin, TX 75901 +1 (936) 634 - 4000
Amigo Loan 326 S Texas Blvd, Weslaco, TX 78596 +1 (956) 968 - 2302
South Texas Acceptance Corporation 7955 Veterans Memorial Dr, Houston, TX 77088 +1 (281) 445 - 1800
Clermont LLC 7334 Blanco Rd 200, San Antonio, TX 78216 +1 (210) 341 - 8097
World Finance 219 S Main St, Bryan, TX 77803 +1 (979) 779 - 9057
Cash Store 305A S Greer Blvd, Pittsburg, TX 75686 +1 (903) 855 - 7671
Cash Store 5401 Kenwood Dr Ste 113, Rowlett, TX 75089 +1 (214) 607 - 0400
Security Finance 607 E Tyler St Suite 114, Athens, TX 75751 +1 (903) 675 - 5661
Senor Check Cashing 09 14525 Bellaire Blvd c, Houston, TX 77083 +1 (281) 933 - 1240
LiftFund Laredo 902 E Calton Rd 6359, Laredo, TX 78041 +1 (888) 215 - 2373

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oak Ridge North, TX, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Conroe, TX, No Credit Check Loans in Coppell, TX, Emergency Loan in Copperas Cove, TX, Quick Loan in Corpus Christi, TX, Payday Loans in Dallas, TX, Payday Loans in Deer Park, TX, Payday Loans in Del Rio, TX and Payday Loans in Denton, 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 Oak Ridge North, TX.

Payday Loans Available in Oak Ridge North, TX By The Following ZIP Codes:

77385, 77386

Are Payday Loans Legal In Oak Ridge North, 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

Oak Ridge North, TX payday loan calculator

Welcome to our guide to payday loans in Oak Ridge North, Texas! If you’re considering taking out a payday loan in the area, then you’ve come to the right place. Our team of experts has compiled everything you need to know about payday loans in Oak Ridge North, including what they are, how they work, and what to look for in a lender. So, let’s get started!

What are Payday Loans?

Payday loans are a type of short-term loan that is designed to cover unexpected expenses or bridge the gap between paychecks. They are typically small-dollar loans, ranging from $100 to $1,000, that must be paid back in full, plus interest and fees, on the borrower’s next payday. Payday loans are a popular option for people who have bad credit or no credit and cannot qualify for traditional loans.

Payday loans are legal in Texas, but there are specific regulations that lenders must adhere to. For example, the maximum loan amount is no more than 20% of the borrower’s gross monthly income, and the maximum term is no longer than 180 days.

How Do Payday Loans Work?

The payday loan process is relatively simple. First, you must fill out an application with a lender. This can be done in person at a storefront location or online. The lender will typically ask for your contact information, employment information, and banking information.

If you are approved for a payday loan, the funds will be deposited directly into your bank account. On your next payday, the lender will electronically withdraw the loan amount, plus interest and fees, from your account. If you cannot repay the loan in full on your next payday, you may be able to rollover the loan for an additional fee.

What to Look for in a Payday Lender?

Not all payday lenders are created equal. It’s important to do your research and choose a reputable lender. Here are some things to look for:

  • Licensing: The lender should be licensed by the Texas Office of Consumer Credit Commissioner.
  • Transparency: The lender should be upfront about their interest rates and fees.
  • Reviews: Read reviews from previous customers to get a sense of the lender’s reputation.
  • Customer service: Look for a lender with good customer service who can answer your questions and address your concerns.

Interest Rates and Fees

Payday loans in Oak Ridge North come with a high-interest rate, which can range from 300% to 600% APR. For example, if you borrow $500 with a 400% APR, you would owe $650 on your next payday. That’s $150 in interest and fees for a two-week loan.

There may also be additional fees, such as origination fees or late fees. Make sure you understand all the fees associated with the loan before you borrow.

Interesting Facts and Statistics

  • According to a report by the Center for Public Policy Priorities, Texans pay over $1.4 billion in payday and auto title loan fees annually.
  • The average payday loan borrower in Texas takes out 10 loans per year, spending an average of 20 weeks in debt annually.
  • Payday lenders in Texas make about $1.5 billion in fees and interest each year.

Apply Now

If you’re in need of a payday loan in Oak Ridge North, TheGuaranteedLoans can help. We are a connector service, not a direct lender, which means we work with a network of lenders to help you find the right loan for your needs. To get started, simply fill out our online application. We’ll match you with a lender who meets your needs and can get you the money you need to cover your unexpected expenses.

Remember, payday loans are a short-term solution and should not be used as a long-term financial solution. Borrow only what you can afford to pay back, and make sure to understand all the terms and fees associated with the loan before you borrow.

F.A.Q.

Are payday loans in Oak Ridge North, Texas regulated by the state government?

Yes, payday loans in Oak Ridge North, 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 Oak Ridge North, Texas with bad credit?

Yes, it is possible to get a payday loan in Oak Ridge North, 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.