Payday Loans in Ratcliff, Texas

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
4U Credit Union 418 N Union St, Whitesboro, TX 76273 +1 (903) 564 - 6301
World Finance 104 W Sinton St, Sinton, TX 78387 +1 (361) 364 - 9262
Atlas Credit Co., Inc. 104 US-79, Henderson, TX 75652 +1 (903) 655 - 1623
Rock Solid Funding LLC 1706 Tennison Pkwy 160, Colleyville, TX 76034 +1 (800) 607 - 1108
First National Bank-Falfurrias 200 S St Marys St, Falfurrias, TX 78355 +1 (361) 325 - 2565
Rapid Payday & Title Loans 1404 N Louise St, Atlanta, TX 75551
No. 1 Auto Finance INC. 12000 Richmond Ave 145, Houston, TX 77082 +1 (832) 744 - 8188
Crane County Abstract 304 W 6th St, Crane, TX 79731 +1 (432) 558 - 3112
TDECU 1001 E Broadway St, Cuero, TX 77954 +1 (800) 839 - 1154
Senor Check Cashing 09 14525 Bellaire Blvd c, Houston, TX 77083 +1 (281) 933 - 1240

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ratcliff, TX, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Little Elm, TX, Payday Loans in Longview, TX, Payday Loans in Lubbock, TX, Payday Loan for Lufkin, TX, Online Loans in Mansfield, TX, Payday Loan for McAllen, TX, Payday Loans in McKinney, TX and Payday Loans in Mesquite, 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 Ratcliff, TX.

Are Payday Loans Legal In Ratcliff, 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

Ratcliff, TX payday loan calculator

Payday Loans in Ratcliff, Texas: What You Need to Know

Payday loans, also known as cash advances, are a type of short-term loan that provides quick access to cash when you need it the most. These loans are legal in Texas and there are many lenders available in the state, including in Ratcliff, Texas.

How Does It Work?

Payday loans are typically designed to be repaid on your next payday. When you apply for a payday loan, your lender will usually require proof of income and will ask you to write a post-dated check for the loan amount plus the fees and interest.

On your next payday, the lender will deposit the check you wrote or will withdraw the funds directly from your checking account, depending on the terms of your loan agreement. If you are unable to repay the loan on your next payday, the lender may offer you the option to rollover the loan and extend the due date, but at a higher cost.

What Are the Benefits of Payday Loans?

The main benefit of payday loans is that they provide quick access to cash, often within a day or two of applying. This can be helpful in emergency situations when you need money quickly to cover expenses like car repairs, medical bills, or unexpected expenses.

Payday loans are also an option for people who have bad credit or no credit history. Most lenders do not perform credit checks or require collateral, unlike traditional loans. This means that even if you have poor credit, you may still be able to qualify for a payday loan.

What Are the Risks of Payday Loans?

While payday loans can be helpful in emergency situations, they also come with risks that are important to consider.

Payday loans are often associated with high fees and interest rates. In Texas, lenders can legally charge up to 10% in fees for every $100 borrowed, and up to 662.14% APR. This can make it difficult to repay the loan on time, especially if you are already struggling with finances.

When you take out a payday loan, you are also at risk of getting into a cycle of debt. Rolling over a payday loan can lead to more fees and interest charges, making it harder to pay off your debt and get back on track.

Apply Now

If you need a payday loan in Ratcliff, Texas, TheGuaranteedLoans is here to help. We are a loan connector service that works with a network of trusted lenders to connect you with the best option for your needs.

When you apply through TheGuaranteedLoans, you can rest assured that your information will be kept secure and confidential. We will never charge you any fees for our services, and we make it easy to apply online from the comfort of your own home.

Remember, a payday loan should only be used as a last resort when you need cash quickly. Be sure to read and understand the terms of your loan agreement, and make sure you can repay the loan on time to avoid additional fees and interest charges.

Interesting Facts about Payday Loans in Ratcliff, Texas:

  • As of 2021, there were more than 2,000 licensed payday lenders in Texas.
  • In Texas, the average payday loan is around $500.
  • A typical payday loan in Texas can cost up to $22 per $100 borrowed in fees and interest charges.

Conclusion:

Payday loans can provide quick access to cash when you need it most, but they also come with risks that are important to consider. Before taking out a payday loan in Ratcliff, Texas, be sure to understand the terms of your loan agreement and make sure you can repay the loan on time to avoid additional fees and interest charges.

If you are ready to take out a payday loan, apply now with TheGuaranteedLoans and get connected with a trusted lender today!

F.A.Q.

Are payday loans legal in Ratcliff, Texas?

Yes, payday loans are legal in Ratcliff, Texas. The Texas Office of Consumer Credit Commissioner regulates the payday lending industry in the state.

How much can I borrow with a payday loan in Ratcliff, Texas?

The maximum amount that can be borrowed with a payday loan in Ratcliff, Texas is $500. However, lenders may not lend more than 20% of the borrower's gross monthly income or 25% of their net income.