Payday Loans in Pecan Gap, Texas

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

Company nameAddressZip codePhone number
First State Bank 201 S 3rd St, Mabank, TX 75147 +1 (903) 887 - 2211
Prosperity Bank - Port Lavaca - Drive Thru Only 1107 TX-35, Port Lavaca, TX 77979 +1 (361) 552 - 7411
Wells Fargo Bank 305 E Washington Ave, Navasota, TX 77868 +1 (936) 825 - 6401
First State Bank 6320 US-59, Shepherd, TX 77371 +1 (936) 628 - 3347
Red River Federal Credit Union 105 Loop 59, Atlanta, TX 75551 +1 (903) 735 - 3000
Sun Loan Company 1432 E 8th St, Odessa, TX 79761 +1 (432) 337 - 0561
First National Bank Of Shiner 1800 N Esplanade St, Cuero, TX 77954
ACE Cash Express 2611 E Main St, Alice, TX 78332
Western Finance 810 E Villa Maria Rd, Bryan, TX 77802 +1 (979) 823 - 8705
First Cash Pawn 10415 Garland Rd, Dallas, TX 75218 +1 (214) 328 - 4900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pecan Gap, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Austin, TX, Short-term Loans in Baytown, TX, Payday Loans in Beaumont, TX, Payday Loan for Bedford, TX, Emergency Loan in Brownsville, TX, Payday Loans in Bryan, TX, Bad Credit Loans in Burleson, TX and No Credit Check Loans in Carrollton, 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 Pecan Gap, TX.

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

75469

Are Payday Loans Legal In Pecan Gap, 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

Pecan Gap, TX payday loan calculator

Welcome to TheGuaranteedLoans! We are a trusted online resource guiding the residents of Pecan Gap, Texas, on how to navigate the world of payday loans. In Texas, payday loans are legal, but it’s critical to understand the terms, fees, and regulations surrounding them.

What is a Payday Loan?

A payday loan is a type of unsecured loan requiring a borrower to write a post-dated check for the loan amount, plus fees, which the lender will deposit when the loan is due. Payday loans typically have high-interest rates and short repayment terms, making them a popular option for those needing quick cash.

How Do Payday Loans Work in Pecan Gap, Texas?

In Texas, payday loans are legal and regulated by the state to protect the borrower. The maximum loan amount a borrower can obtain is $1,800, and the repayment term cannot be less than seven days or more than 180 days. Payday loan lenders may not charge more than 10% interest on the loan, and there is no fee for extending a loan or a right to recoup costs by seizing property or garnishing wages.

To qualify for a payday loan in Pecan Gap, Texas, borrowers must be over 18 years old, have a steady income, and possess a valid government-issued identification card.

The Pros and Cons of Payday Loans

Pros:

  • Fast application process and approval
  • No credit check
  • Bad credit or lack of credit history doesn’t disqualify borrowers from obtaining a payday loan

Cons:

  • High interest rates
  • Short repayment terms lead to high APRs, making it difficult to repay the loan
  • Defaulting on a payday loan can lead to negative financial consequences, such as damaged credit and additional fees

Interesting Facts and Statistics about Payday Loans in Pecan Gap, Texas

  • In 2019, Texans borrowed approximately $6.9 billion in payday loans.
  • The average interest charged on payday loans in Texas can exceed 500% APR.
  • Total fees charged on a typical 14-day $500 payday loan in Texas could range from $65 to $98.91.
  • The most common reason that Texans use payday loans is to cover necessary expenses such as utilities and housing costs.

Apply Now – Connect with Potential Payday Loan Lenders

At TheGuaranteedLoans, we are here to help you connect with potential payday loan lenders in Pecan Gap, Texas. Our online application process is quick and easy, and we work with a network of trusted lenders who can offer you the financial assistance you need.

Keep in mind that TheGuaranteedLoans acts as a connector service, meaning we are not a direct lender. We will connect you with lenders whose loan options and terms meet your needs. If you have questions regarding our service or the application process, please contact our customer support team.

The Bottom Line

Payday loans can be a useful tool for those facing financial hardships in Pecan Gap, Texas. However, it’s critical to understand the terms and fees associated with these loans and to use them sparingly. Remember, TheGuaranteedLoans is here to help facilitate a connection between you and potential payday loan lenders who can offer you the financial assistance you need.

F.A.Q.

Can I apply for a payday loan online in Pecan Gap, Texas?

Yes, many payday lenders in Pecan Gap, Texas offer the option to apply for a loan online. This can be a convenient option for borrowers who prefer to apply from the comfort of their own home or who do not have access to a physical payday loan store.

What information do I need to provide when applying for a payday loan in Pecan Gap, Texas?

When applying for a payday loan in Pecan Gap, Texas, borrowers will typically need to provide proof of income, a valid government-issued ID, and proof of a checking account. Lenders may also require additional information, such as references or proof of residence.