Payday Loans in Richland, Texas

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

Company nameAddressZip codePhone number
Cash Biz 476 Farm-To-Market Rd 375 B, Eagle Pass, TX 78852 +1 (830) 757 - 0700
Cash Plus Pawn 2810 W Washington St 101, Stephenville, TX 76401 +1 (254) 434 - 4646
Cash America Pawn 1000 N County Rd W, Odessa, TX 79763 +1 (432) 332 - 5370
Yoakum National Bank 301 W Grand Ave, Yoakum, TX 77995 +1 (361) 293 - 5225
ACE Cash Express 100 E NASA Pkwy, Webster, TX 77598 +1 (281) 338 - 4464
Preferred Finance 216 E Washington Ave, Navasota, TX 77868 +1 (936) 825 - 6000
World Finance 821 Sheldon Rd Ste E, Channelview, TX 77530 +1 (281) 452 - 4833
Rapid Payday & Title Loans 453 W Panola St, Carthage, TX 75633 +1 (903) 693 - 3035
Barri Agent 181 S Efren Ramirez Ave, Roma, TX 78584
Prestamos Del Rey 1895 E Grant St 2, Roma, TX 78584 +1 (956) 847 - 2900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Richland, TX, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Plano, TX, Payday Loans in Port Arthur, TX, Quick Loan in Richardson, TX, Payday Loans in Rockwall, TX, Quick Loan in Rosenberg, TX, Payday Loans in Round Rock, TX, Guaranteed Loans in Rowlett, TX and Guaranteed Loans in San Angelo, 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 Richland, TX.

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

76681, 76618

Are Payday Loans Legal In Richland, 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

Richland, TX payday loan calculator

Payday Loans in Richland, Texas: Your Comprehensive Guide

Emergencies happen, and sometimes they require a little extra cash to cover unexpected expenses. Despite the best-laid plans, expenses can sometimes pile up faster than one’s paycheck. For those in Richland, Texas, payday loans are a valuable option in such cases. In this comprehensive guide, we will take a closer look at payday loans in Richland, Texas, their legality, terms, and conditions, and what you should consider if you’re considering taking out a payday loan in Richland.

What Are Payday Loans?

Payday loans are small loans, typically ranging from $100 to $1000, that are meant to be paid back on someone’s next payday. These loans are often attractive to individuals who are unable to obtain traditional loans due to poor credit or have an immediate financial need.

Legal Status of Payday Loans in Richland, Texas

In Texas, payday loans are legal, but there are specific regulations that lenders must follow. The maximum amount that can be borrowed in Texas with a payday loan is $1,800. The maximum term for a payday loan is 180 days. Additionally, lenders must be licensed and are required to adhere to strict regulations.

Terms and Conditions of Payday Loans in Richland, Texas

The terms and conditions for payday loans in Richland, Texas depend on a variety of factors, including the lender, the amount borrowed, and the borrower’s creditworthiness. Typically, payday loans have a high-interest rate and short repayment terms. To qualify for a payday loan, a borrower must provide proof of income and a bank account.

  • The Cost of Interest: In Texas, the annual percentage rate (APR) for payday loans can range from 400% to 600%. The APR is the total cost of borrowing, including fees and interest rates.
  • Fees: In addition to interest rates, most payday lenders charge a fee to cover the cost of lending. This fee is usually a flat rate per $100 borrowed.
  • Repayment Terms: Payday loans in Richland, Texas have a maximum repayment term of 180 days.

What to Consider Before Taking Out a Payday Loan in Richland, Texas

While payday loans can be an attractive option for someone in an emergency, they come with a high interest rate and short repayment terms. It’s important to consider the following before taking out a payday loan in Richland:

  • Do I need the money now?: If the expense can wait until the borrower’s next paycheck, then a payday loan may not be necessary.
  • What is the interest rate and fees?: Borrowers should be aware of the total cost of borrowing, including any fees and interest rates.
  • Can I pay the loan back on time?: Borrowers should be certain that they can pay back the loan on the agreed-upon date to avoid additional fees and interest rates.

Interesting Facts and Statistics

  • In 2019, Texans borrowed $5.8 billion in payday loans.
  • The average yearly interest rate for a payday loan in Texas is 454%.
  • On average, Texans take out 10 payday loans per year.

Apply Now

If you’ve considered taking out a payday loan in Richland, Texas, apply now through TheGuaranteedLoans website. As a connector service, we’re not a direct lender, but we’ll facilitate your connection with potential lenders that meet your specific needs. Don’t let an unexpected expense catch you off guard – visit our website and fill out an easy online application.

Conclusion

Payday loans can be a valuable option for individuals facing financial emergencies. In Texas, payday loans are legal and subject to strict regulations to protect borrowers. Before deciding to take out a payday loan, consider the terms and conditions, interest rates, and fees associated with borrowing. At TheGuaranteedLoans, we strive to make the lending process stress-free and straightforward, so apply now and take control of your finances.

F.A.Q.

Can I obtain a payday loan in Richland, Texas if I have bad credit?

Yes, payday loans in Richland, Texas are typically available to individuals with bad credit. Lenders do not typically require a credit check, but may still require proof of income and a valid checking or savings account.

How long does it take to receive a payday loan in Richland, Texas?

The amount of time it takes to receive a payday loan in Richland, Texas varies by lender. Some lenders may be able to provide the loan funds within a few hours, while others may take several days. It is important to research and compare lenders to determine which option is best for your needs.