Payday Loans in Oilton, Texas

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

Company nameAddressZip codePhone number
Wells Fargo Bank 204 E Main St, Atlanta, TX 75551 +1 (903) 223 - 1559
Cash America Pawn 1318 W Centerville Rd, Garland, TX 75041 +1 (972) 270 - 8117
Covington Credit 325 N Washington St, Beeville, TX 78102
Loan Depot 11985 Pellicano Dr Suite F, El Paso, TX 79936 +1 (915) 642 - 6980
Capital Farm Credit 200 E Oak St, Uvalde, TX 78801 +1 (830) 278 - 7171
Security Finance 721 E Davis St, Conroe, TX 77301 +1 (936) 756 - 4494
First Cash Advance 228 702 W Interstate 20 106, Arlington, TX 76017 +1 (817) 468 - 8499
Texas Car Title & Payday Loan Services, Inc. 12240 Murphy Rd ste q, Stafford, TX 77477 +1 (281) 449 - 9366
LiftFund Laredo 902 E Calton Rd 6359, Laredo, TX 78041 +1 (888) 215 - 2373
World Finance 3159 Denton Hwy Suite C, Haltom City, TX 76117 +1 (682) 204 - 1444

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oilton, TX, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in San Angelo, TX, 24-Hour Loan in San Antonio, TX, Online Loans in San Juan, TX, Payday Loans in San Marcos, TX, Payday Loans in Schertz, TX, Quick Loan in Sherman, TX, Payday Loans in Socorro, TX and Payday Loans in Southlake, 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 Oilton, TX.

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

78371

Are Payday Loans Legal In Oilton, 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

Oilton, TX payday loan calculator

Payday Loans in Oilton, Texas: A Comprehensive Guide

Payday loans are a quick and easy solution for individuals who need emergency cash to cover unexpected expenses. In Oilton, Texas, payday loans are legal and readily available. In this guide, we will provide you with all the essential information you need to know about payday loans in Oilton, including regulations, application process, pros and cons, and lenders.

Regulations on Payday Loans in Oilton, Texas

Before applying for payday loans in Oilton, Texas, it is essential to understand the state regulations on such loans. According to Texas law, payday loans are legal but with specific restrictions to protect consumers from unreasonable fees and interest rates. The maximum loan amount allowed by law is $1,800. The loan term is typically between seven to thirty-one days, with a maximum finance charge of $10 per $100 borrowed. The APR (annual percentage rate) on payday loans in Texas can be as high as 662.22%. To qualify for a payday loan in Texas, you must be at least 18 years old, have a valid ID, an active checking account, and proof of income.

The Application Process for Payday Loans in Oilton, Texas

The application process for payday loans in Oilton, Texas, is simple and easy to follow. Most lenders have an online application process, which takes less than five minutes to complete. The information required includes your personal details, income information, and bank account information. Once you complete the application, the lender will review it and inform you of the loan amount you qualify for. If you agree to the terms and conditions, the lender will deposit the funds into your account within 24 hours.

Pros and Cons of Payday Loans in Oilton, Texas

Payday loans have both advantages and disadvantages. Here are some pros and cons to consider before applying for a payday loan in Oilton, Texas:

Pros

  • Quick and easy access to cash during emergencies
  • No credit check required
  • No collateral required
  • You can use the loan for any purpose
  • Most lenders have a simple application process

Cons

  • High-interest rates
  • Short repayment terms
  • Can lead to a debt cycle if not managed properly
  • Potential for predatory lending practices from unscrupulous lenders
  • May affect your credit score

Lenders of Payday Loans in Oilton, Texas

There are various lenders of payday loans in Oilton, Texas. It is essential to choose a reputable lender with a good track record and transparent terms and conditions. Here are some of the top lenders in Oilton, Texas:

  • Speedy Cash
  • Cash Store
  • Check ‘n Go
  • ACE Cash Express

Interesting Facts and Statistics about Payday Loans in Oilton, Texas

According to a report by The Center for Public Policy Priorities, in 2016, there were approximately 2.5 million payday loans taken out in Texas, with borrowers paying an average APR of 500%. In the same report, it was also revealed that payday loan storefronts in Texas outnumbered Starbucks and McDonald’s locations combined, with over 3,500 locations across the state.

Apply Now

Looking for a payday loan in Oilton, Texas? TheGuaranteedLoans can connect you with trusted lenders in the state. Our application process is fast, secure, and easy to follow. You can apply for a loan online, and we will match you with lenders who meet your specific needs. Fill out our online application form today, and get the cash you need to cover your emergency expenses. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We facilitate loans and connect you with our vast network of potential lenders.

F.A.Q.

Are there any alternative options to payday loans in Oilton, Texas?

Yes, there are several alternative options to payday loans in Oilton, Texas, such as personal loans from banks or credit unions, borrowing from friends or family, or seeking assistance from non-profit organizations. These options may have lower interest rates and fees, and can help borrowers avoid the potential pitfalls of payday loans.

Are payday loans legal in Oilton, Texas?

Yes, payday loans are legal in Oilton, Texas. The state has specific regulations in place to protect consumers from predatory lending practices.