Payday Loans in Orchard, Texas

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

Company nameAddressZip codePhone number
Sun Loan Company 1702 US-181 Ste B-11, Portland, TX 78374 +1 (361) 633 - 6035
Sun Loan Company 205 Denrock Ave, Dalhart, TX 79022
Gold Star Finance Texas 255 N Sam Houston Blvd, San Benito, TX 78586 +1 (956) 276 - 9582
Toledo Finance Corporation 2108 Chihuahua St 2, Laredo, TX 78043 +1 (956) 712 - 3622
Park Place Funding, LLC 2220 E Cesar Chavez St, Austin, TX 78702 +1 (512) 699 - 3649
World Finance 101 W San Antonio St Ste C, San Marcos, TX 78666 +1 (512) 396 - 2132
Barri Office 501 S Alamo Rd 106, Alamo, TX 78516 +1 (956) 377 - 2025
Regional Finance 4070 N Belt Line Rd Suite 153, Irving, TX 75038 +1 (469) 263 - 1130
First Cash Pawn 214 N 14th St, Kingsville, TX 78363 +1 (361) 592 - 8714
EZ Money 1117 N Conway Ave, Mission, TX 78572 +1 (956) 584 - 8263

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Orchard, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in San Marcos, TX, Payday Loans in Schertz, TX, Payday Loans in Sherman, TX, Short-term Loans in Socorro, TX, Payday Loans in Southlake, TX, Payday Loans in Spring, TX, Short-term Loans in Sugar Land, TX and Same Day Loans in Temple, 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 Orchard, TX.

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

77464

Are Payday Loans Legal In Orchard, 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

Orchard, TX payday loan calculator

Are you facing a financial emergency but don’t know how to get the cash to deal with it? Don’t worry, payday loans in Orchard, Texas can be a quick and easy solution. But before you proceed, it’s essential to understand how payday loans work, their regulations, and the benefits and drawbacks of taking them.

What are payday loans?

A payday loan is a short-term loan offered by lenders who require the borrower to pay back the loan, plus interest, as soon as their next paycheck arrives. This type of loan is typically sought out by borrowers who find themselves in need of quick cash to handle unexpected expenses like medical bills, car repairs or overdue rent.

Payday loans in Orchard, Texas have a maximum amount of $1,800, but lenders usually determine the loan amount based on the borrower’s income. The loan terms and interest rate are set by the lender, but they cannot be more than 10 percent of the borrowed amount. For example, if a borrower gets a $500 loan, the maximum fee charged can be $50.

Regulations for payday loans in Texas

Payday loans are legal in Texas, but there are strict regulations to protect borrowers from high-interest rates and predatory lending practices. By law, lenders are required to disclose the loan’s terms and fees in writing, including the Annual Percentage Rate (APR).

Furthermore, lenders must be licensed with the Texas Office of Consumer Credit Commissioner (OCCC), and they must follow the Texas Finance Code and the federal Truth in Lending Act. To qualify for a payday loan, a borrower must be 18 years or older and have a checking account and a reliable source of income.

The pros and cons of taking payday loans

The advantages of payday loans in Orchard, Texas include:

  • Quick and easy application process
  • No credit check requirements
  • Approval is usually granted in as little as 24 hours

However, there are also some disadvantages to taking payday loans. These include:

  • High-interest rates that can lead to increased debt
  • Short repayment terms that can put borrowers under financial strain
  • May not be suitable for long-term financial needs

The facts about payday loans in Orchard, Texas

Did you know that in Texas, the average payday loan borrower takes out eight payday loans per year, spending around $520 on interest and fees per loan?

Additionally, data from the Center for Public Policy Priorities indicate that low-income individuals and those without a college degree or steady employment are more likely to use payday loans, putting them at higher risk of falling into the debt trap that payday loans can create.

The Apply Now Section

At TheGuaranteedLoans, we offer a safe and convenient way for you to access suitable lenders who can offer you a payday loan in Orchard, Texas. As a connector service, we work with a network of reputable lenders who have to adhere to the laws and regulations set by the state of Texas.

Our easy-to-use platform allows you to fill out an online application in just a few minutes, and you could receive approval in as little as 24 hours. We understand that financial emergencies can happen at any time, which is why we are committed to helping you get the financial assistance you need when you need it.

Conclusion

When it comes to dealing with urgent financial matters, payday loans in Orchard, Texas can provide you with quick and easy access to cash. However, it’s crucial to understand their cost and the terms and conditions of the loan before you apply. Use verified facts and figures to make informed decisions, keep the risks of borrowing in mind, and always borrow responsibly!

F.A.Q.

Can I extend my payday loan in Orchard, Texas?

Yes, you may be able to extend your payday loan in Orchard, Texas if you are unable to repay it on time. This is commonly known as rolling over the loan, and it may involve additional fees and charges. It is important to carefully consider the potential consequences of extending your payday loan before deciding to do so.

Are payday loans in Orchard, Texas regulated by the state government?

Yes, payday loans in Orchard, 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.