Payday Loans in Richardson, Texas

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Payday Loan Companies in Richardson, TX

Company nameAddressZip codePhone number
ACE Cash Express 105 S Central Expy 75080 +1 (972) 783 - 6777
Advancial 710 W Renner Rd 206 75080 +1 (972) 669 - 1314
DebtBlue 1125 E Campbell Rd Suite 200 75081 +1 (855) 332 - 8258
E-Z Shop Check Cashing 818 S Central Expy 21 75080 +1 (972) 238 - 0528
GardaWorld 3300 Matrix Dr 100 75082 +1 (972) 744 - 0200
Loanstar Title Loans 1340 E Belt Line Rd 75081 +1 (972) 479 - 9717
My Rehab Lender, Inc 101 S Coit Rd 75080 +1 (855) 385 - 4505
PFS Auto Finance 1778 N Plano Rd 112 75081 +1 (972) 613 - 4700
Raymond James 1177 Rockingham Dr 155 75080 +1 (972) 238 - 3555
TitleMax Title Loans 1328 E Belt Line Rd 75081 +1 (972) 850 - 5845
UnitedHealth Group Credit Union 1311 W President George Bush Hwy 75080 +1 (800) 388 - 7000
VIP Title Loans 610 S Central Expy 75080 +1 (972) 783 - 6661
Washington Federal Bank 1920 N Coit Rd Ste 201 75080 +1 (972) 231 - 6085

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Richardson, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rockwall, TX, Payday Loans in Rosenberg, TX, Payday Loans in Round Rock, TX, Payday Loans in Rowlett, TX, Quick Loan in San Angelo, TX, Bad Credit Loans in San Antonio, TX, Bad Credit Loans in San Juan, TX and Payday Loans in San Marcos, 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 Richardson, TX.

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

75081, 75082, 75085, 75083, 75080

Are Payday Loans Legal In Richardson, 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

Richardson, TX payday loan calculator

Overview of Payday Loans in Richardson, Texas

Payday loans are short-term, high-interest loans that are meant to give borrowers access to quick cash. They are offered by lenders in exchange for a post-dated check for the amount of the loan, plus loan fees. In Texas, payday loans are legal, and can be accessed by residents of Richardson.

How Payday Loans Work

Payday loans provide borrowers with access to quick funds, usually within a day or two. Borrowers typically write a post-dated check to lenders, in exchange for the loan amount and fees. This check provides lenders with assurance that borrowers will repay the loan. When the loan is due, lenders will cash the check, and borrowers must have sufficient funds in their account to cover the amount.

When taking out a payday loan, borrowers should be aware of the terms of the loan, including loan fees and repayment deadlines. Loans typically have high interest rates and a short repayment period, typically 14 days. It is important to understand these terms and make sure the loan can be repaid before taking it out.

Where to Find Payday Loans in Richardson

Payday loans can be found at numerous locations in and around Richardson, TX. Borrowers can find payday lenders at check cashing and similar businesses. Online payday lenders can also be found, offering convenient access to quick cash.

Regulations for Payday Loans in Texas

Payday loans are legal and regulated in Texas, where lenders must follow strict guidelines in offering these loans. In Texas, payday loans have a maximum loan amount of $500 and a maximum term of 80 days. Loan fees are limited to 10% of the loan amount and borrowers are allowed to renew or refinance their loan no more than three times.

The Benefits of Payday Loans

Payday loans provide borrowers with quick access to funds, often within one business day. This is particularly beneficial for those who need cash for urgent expenses and do not have access to other types of financing.

The Disadvantages of Payday Loans

Payday loans can be expensive, as loan fees and interest rates can be high. It is important to understand the terms of the loan and make sure borrowers have sufficient funds to repay the loan before taking it out. Additionally, payday loans have a short repayment period, which can be difficult to manage if funds are tight.

Alternatives to Payday Loans

There are several alternatives to payday loans, such as using a credit card, a personal loan, or a cash advance on a car title loan. Borrowers should consider their options and determine which option is the most suitable for their needs.

Frequently Asked Questions (FAQs)

Q: Are payday loans legal in Texas?
A: Yes, payday loans are legal in Texas. They are subject to regulations that limit the loan amount, fees, and duration.

Q: How much can I borrow with a payday loan?
A: In Texas, the maximum loan amount for a payday loan is $500.

Q: How long do I have to repay a payday loan?
A: Payday loans typically have a repayment period of 14 days.

Q: What are the alternatives to payday loans?
A: Payday loan alternatives include a credit card, a personal loan, or a cash advance on a car title loan.

Conclusion

Payday loans can provide quick access to funds, but they often come with a high cost. Borrowers should understand the costs and terms of the loan and make sure they can repay the loan before taking it out. Additionally, there are alternatives to payday loans, including credit cards, personal loans, and cash advances on car title loans.

Apply Now

If you are considering taking out a payday loan in Richardson, TX, you can apply online with TheGuaranteedLoans. We are not a lender, but we can connect you to lenders who can help you get the funds you need. To get started, simply fill out the online application form and we will do the rest.

More F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Richardson, Texas?

If a borrower defaults on a payday loan in Richardson, Texas, the lender may have the right to sue the borrower to recover the outstanding balance. Additionally, the lender may be able to garnish the borrower's wages to repay the loan. It is important for borrowers to understand the terms and conditions of their loan agreement before taking out a payday loan.

Is it possible to negotiate the terms of a payday loan in Richardson, Texas?

Yes, it is possible to negotiate the terms of a payday loan in Richardson, Texas. Borrowers should contact the lender to discuss their options and see if they can come to an agreement on more favorable terms.

How Many Cash Advance Companies are in Richardson, TX?

With the help of our service, you will be able to find 13 cash advance companies in Richardson, TX

What Cash Advance Companies in Richardson, TX are the most popular?

You should check ACE Cash Express, Advancial, and DebtBlue. Also, you can start your application online on our website.