Payday Loans in Old Ocean, Texas

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

Company nameAddressZip codePhone number
TEXAS CASH AND PAWN 2 1802 TX-16, Graham, TX 76450 +1 (940) 282 - 2918
Wayne Christian Financial Services 204 Houston St, Center, TX 75935 +1 (936) 598 - 9966
EZ Money 105 University Ave, Lubbock, TX 79415 +1 (806) 747 - 5129
Texas Car Title & Payday Loan Services, Inc. 1419 W 7th Ave, Corsicana, TX 75110 +1 (903) 875 - 0822
Check 'n Go 501 Crump St, Midland, TX 79701 +1 (432) 694 - 0780
Firstmark Credit Union 610 W Main St, Fredericksburg, TX 78624 +1 (210) 442 - 0100
Payment 1 Financial 1229 S 31st St, Temple, TX 76504 +1 (254) 771 - 9952
Security Bank 405 W 2nd St, Big Lake, TX 76932 +1 (325) 884 - 2551
Master Finance Corporation 175 College Park Dr, Weatherford, TX 76086 +1 (817) 594 - 2800
World Finance 1283 W Church St, Livingston, TX 77351 +1 (936) 227 - 0360

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Old Ocean, TX, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Arlington, TX, Bad Credit Loans in Austin, TX, Payday Loans in Baytown, TX, Guaranteed Loans in Beaumont, TX, Payday Loans in Bedford, TX, Same Day Loans in Brownsville, TX, Payday Loans in Bryan, TX and Bad Credit Loans in Burleson, 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 Old Ocean, TX.

Are Payday Loans Legal In Old Ocean, 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

Old Ocean, TX payday loan calculator

The Nuts and Bolts of Payday Loans in Old Ocean, Texas

When you find yourself low on cash, getting a payday loan can be an enticing option. These types of loans offer a quick, easy way to get cash in a pinch, but they also come with their fair share of risks and pitfalls. In Old Ocean, Texas, payday loans are legal and readily available. Here’s what you need to know before taking the plunge.

What is a Payday Loan?

A payday loan is a short-term loan, typically for $500 or less, that is meant to be repaid in full on your next payday. To get a payday loan, you write a post-dated check for the amount of the loan plus any fees or interest charges. Alternatively, you may authorize the lender to electronically debit your account for the amount owed. In Texas, payday loan terms range from 7 to 31 days.

How Do You Qualify for a Payday Loan?

Qualifying for a payday loan in Old Ocean, Texas is relatively easy. All you need is to:

  • Be at least 18 years old
  • Show proof of income
  • Have an operational checking account
  • Provide a government-issued ID

What are the Risks of Payday Loans?

While payday loans can be a lifesaver when you’re in a pinch, they also come with a lot of risks. One of the biggest risks of payday loans is their exorbitant interest rates. In Old Ocean, Texas, payday loans can have an APR of up to 662%. This means that if you borrow $100 for two weeks, you’ll owe the lender $15 in fees plus $150 in interest charges, for a total of $165. If you can’t pay back the loan in full, you may find yourself stuck in a cycle of debt where you have to constantly roll over your loan.

Are Payday Loans Legal in Old Ocean, Texas?

Yes, payday loans are legal in Old Ocean, Texas. However, the state has laws in place to protect consumers from predatory lending practices. For example, the maximum loan amount in Texas is $1,800, and lenders are required to disclose the full cost of the loan, including the APR, before you sign any paperwork.

What are the Alternatives to Payday Loans?

If you’re in need of fast cash, there are alternatives to payday loans that can save you money in the long run. Some options include:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Selling unwanted items
  • Borrowing money from family or friends

Interesting Facts and Statistics

  • In Old Ocean, Texas, payday loans can have an APR of up to 662%.
  • As of 2021, there are over 2,000 payday lenders operating in Texas.
  • A typical borrower in Texas takes out 10 payday loans per year.

Apply Now

If you’re in need of a payday loan, you can fill out an online application on our website. TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders to connect you with the best possible loan option for your needs. With just a few clicks, you could get the cash you need to get back on track.

Conclusion

Payday loans in Old Ocean, Texas are legal and easily accessible, but they come with a lot of risks. Before taking out a loan, be sure to understand the full cost of the loan and consider alternatives. And if you do decide to take out a payday loan, remember to only borrow what you can afford to repay and to pay it back in full on your next payday.

F.A.Q.

Are there any restrictions on how payday loans can be used in Old Ocean, Texas?

Yes, payday loans in Old Ocean, Texas can only be used for short-term financial needs and cannot be used to pay off existing loans or credit card debt.

Can I renew or extend my payday loan in Old Ocean, Texas?

Yes, you may be able to renew or extend your payday loan in Old Ocean, Texas if you are unable to make the full repayment on the due date. However, this may result in additional fees and interest charges, and should be avoided if possible.