Payday Loans in Pipe Creek, Texas

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

Company nameAddressZip codePhone number
Spirit of Texas Bank 601 W Northwest Hwy, Grapevine, TX 76051 +1 (817) 251 - 1275
Check 'n Go 7312 Louetta Rd, Spring, TX 77379
Worth Finance 900 S Wayside Dr 600, Houston, TX 77023 +1 (713) 923 - 3131
Hemphill County Abstract Co 102 N 5th St, Canadian, TX 79014 +1 (806) 323 - 9262
Security Finance 116 W Losoya St, Del Rio, TX 78840 +1 (830) 768 - 2007
PFS Auto Finance 1778 N Plano Rd 112, Richardson, TX 75081 +1 (972) 613 - 4700
FirstBank & Trust 100 S Main St, Miami, TX 79059 +1 (806) 868 - 2771
First Cash Pawn 214 N 14th St, Kingsville, TX 78363 +1 (361) 592 - 8714
V N C Enterprises 107 N Walcott St, Jefferson, TX 75657 +1 (903) 665 - 7123
Texas Car Title & Payday Loan Services, Inc. 1314 N Main St, Liberty, TX 77575

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pipe Creek, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Mission, TX, Online Loans in Missouri City, TX, Payday Loans in Nacogdoches, TX, Payday Loans in New Braunfels, TX, Same Day Loans in North Richland Hills, TX, Quick Loan in Odessa, TX, Payday Loans in Pasadena, TX and Payday Loans in Pearland, 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 Pipe Creek, TX.

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

78063

Are Payday Loans Legal In Pipe Creek, 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

Pipe Creek, TX payday loan calculator

Understanding Payday Loans in Pipe Creek, Texas

Payday loans, also known as payroll advances, are a type of short-term loan where lenders provide small amounts of money to borrowers, usually at high-interest rates, in exchange for repayment on their next payday. This type of loan is especially attractive to borrowers who have run into unexpected expenses and need quick money to cover them. Although payday loans are legal in Texas, it is important to understand the regulations surrounding them to avoid falling into traps that could lead to higher debt and financial stress.

The Legality of Payday Loans in Texas

Payday loans operate in Texas under the Texas Finance Code. The requirements for payday loans in Texas are as follows:

  • The maximum amount a lender can offer is $1,800.
  • The maximum loan term is 180 days.
  • The maximum interest rate for a payday loan in Texas is 10% of the principal of the loan.
  • No additional fees or charges are allowed on the loan.

Furthermore, if a borrower defaults on a payday loan, the lender can take legal action against him or her to collect the debt. As such, it is crucial for borrowers to thoroughly understand the terms of their payday loans and to ensure they are able to pay it back on time.

Payday Loan Process in Pipe Creek, Texas

In Pipe Creek, Texas, payday loans are readily available through various lenders. The application process is simple and typically involves the borrower providing identification, proof of income, and a post-dated check to cover the loan amount plus any fees or interest. Once the borrower receives the loan, they must repay the entire amount, plus any fees or interest, by their next payday.

The Pros and Cons of Payday Loans in Pipe Creek, Texas

Payday loans can be incredibly useful for those who need quick cash to cover unexpected expenses. They can also help individuals who have poor credit scores or are unable to obtain traditional loans. However, it is important to note that payday loans can also be risky and come with significant drawbacks:

Pros:

  • Quick access to cash
  • No credit checks
  • Easy application process

Cons:

  • High interest rates and fees that can lead to debt traps
  • Legal action can be taken against borrowers for defaulting on loans
  • Payday loans can negatively impact credit scores

Interesting Facts and Statistics about Payday Loans in Pipe Creek, Texas

  • According to the Texas Office of Consumer Credit Commissioner, over 3 million payday loans were taken out in Texas in 2020.
  • Between 2012 and 2016, the number of payday lending storefronts more than doubled in Texas, from 1,279 to 3,594.
  • Payday loans in Texas have an average APR of 661.78%.

Apply Now

If you are in need of a payday loan in Pipe Creek, Texas, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy and will provide you with instant loan options. However, it is important to remember that TheGuaranteedLoans is a connector service and not a direct lender. Please ensure that you are able to repay any loan taken out, as failure to do so can result in legal action and significant debt.

F.A.Q.

Do I need to have a checking account to take out a payday loan in Pipe Creek, Texas?

Yes, most payday lenders in Pipe Creek, Texas require borrowers to have a checking account in order to apply for a loan. This is because the loan amount and fees will be automatically deducted from the borrower's account on the due date.

Are there any restrictions on how I can use the funds from a payday loan in Pipe Creek, Texas?

No, borrowers are free to use the funds from a payday loan in Pipe Creek, Texas for any purpose. However, it is important to remember that these loans should only be used for short-term financial emergencies and not for long-term financial planning.