Payday Loans in Quitaque, Texas

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

Company nameAddressZip codePhone number
Pay Day Now 404 N May St # 2, Madisonville, TX 77864
TitleMax Title Loans 753 Biddle St, San Benito, TX 78586 +1 (956) 361 - 1775
BancorpSouth Bank 405 State Hwy 95, Little River-Academy, TX 76554 +1 (254) 982 - 4818
ACE Cash Express 3330 N Galloway Ave Ste 275 Ste 275, Mesquite, TX 75150 +1 (972) 613 - 9889
KJC Auto Title Loans 723 W Mt Houston Rd, Houston, TX 77038 +1 (281) 847 - 2300
Mariner Finance 2660 Eldridge Pkwy S a, Houston, TX 77082 +1 (281) 914 - 4343
Toledo Finance Corporation 220 N Oak Ave, Mineral Wells, TX 76067
Texas Farm Credit 1305 Shannon Rd E, Sulphur Springs, TX 75482 +1 (903) 885 - 7608
First Texas Bank 1901 Bagdad Rd, Cedar Park, TX 78613 +1 (512) 259 - 2443
First National Bank 411 E State Hwy 22, Laguna Park, TX 76644 +1 (254) 622 - 3254

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Quitaque, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Texarkana, TX, Short-term Loans in Texas City, TX, Payday Loans in The Colony, TX, 24-Hour Loan in Tyler, TX, Payday Loans in Victoria, TX, Payday Loans in Waco, TX, Payday Loans in Waxahachie, TX and Guaranteed Loans in Weslaco, 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 Quitaque, TX.

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

79255

Are Payday Loans Legal In Quitaque, 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

Quitaque, TX payday loan calculator

Payday Loans in Quitaque, Texas: Everything You Need to Know

Payday loans are a type of short-term loan that offers borrowers quick access to cash to help them cover unexpected expenses or emergencies. They are designed to be repaid on the borrower’s next paycheck and are typically small amounts ranging from $100 to $1,000.

Legal Status of Payday Loans in Texas

Payday loans are legal in the state of Texas. However, the state has put in place laws and regulations to protect consumers from predatory lending practices. According to the Texas Office of Consumer Credit Commissioner, payday lenders in Texas must be licensed and comply with specific rules and regulations to protect consumers.

How Do Payday Loans Work?

When you need quick cash, you can apply for a payday loan. The application process is straightforward, and you can complete it online or in-person at a payday lending store. Applicants typically need to provide proof of income, a valid government-issued ID, and a checking account to receive approval for a payday loan.

If approved, the loan amount is usually available within 24 hours, and you are expected to repay the loan and fees on your next payday. The fees for payday loans can be higher than traditional loans, so it’s essential to understand the costs and read the terms and conditions carefully before accepting a loan.

Benefits of Payday Loans

Payday loans can provide a quick solution to unexpected expenses or emergencies. They are easy to access, and you don’t need to have good credit to qualify for one. Additionally, your credit score does not impact your loan amount or interest rates. You can use the loan to pay for expenses such as:

  • Car repairs
  • Medical bills
  • Unexpected bills
  • Utility bills

Negative Aspects of Payday Loans

Despite the benefits, payday loans have several negative aspects that you need to consider. They are:

  • High-interest rates: Payday loan fees can be significantly higher than other types of loans, making them an expensive option for borrowing.
  • Short repayment terms: Payday loans are short-term loans, and you are expected to repay them in full on your next payday. This can be challenging for some borrowers who do not have enough money to cover the loan and their living expenses.
  • Predatory lending practices: Some payday lenders engage in predatory lending practices, such as charging excessive fees or operating without a license. It’s essential to work with a licensed lender and read the terms and conditions carefully before accepting a loan offer.

Interesting Facts and Statistics About Payday Loans in Quitaque, Texas

Quitaque, Texas, is a small town of about 430 residents located in Briscoe County. According to data from the Texas Office of Consumer Credit Commissioner, there were 47 licensed payday loan lenders in Briscoe County as of December 2020. Additionally, the data shows that the average loan amount for payday loans in Texas is $474, and the average fee per $100 borrowed is $23.58.

Apply Now

If you need quick cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is straightforward and secure, and you can complete it from the comfort of your own home. Please note that TheGuaranteedLoans is a connector service, and we are not a direct lender. We work with a network of trusted lenders to connect borrowers with loan options that meet their unique needs.

F.A.Q.

Can I file a complaint about a payday lender in Quitaque, Texas?

Yes, if you have a complaint about a payday lender in Quitaque, Texas, you can file a complaint with the Texas Office of Consumer Credit Commissioner. This office is responsible for regulating payday lenders and enforcing consumer protection laws.

Are there any restrictions on the number of payday loans I can take out in Quitaque, Texas?

Yes, Texas law limits the number of payday loans that an individual can take out at one time. The maximum number of payday loans that can be outstanding at any given time is three.