Payday Loans in Rocksprings, Texas

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

Company nameAddressZip codePhone number
Sun Loan Company 2101 S Gregg St, Big Spring, TX 79720 +1 (432) 263 - 1138
The Money Station 1229 S 31st St, Temple, TX 76504 +1 (254) 935 - 2226
Texan Credit Corporation 700 Dixie Dr ste b, Clute, TX 77531 +1 (979) 299 - 1043
Covington Credit 516 E Kleberg Ave, Kingsville, TX 78363 +1 (361) 592 - 0325
Sun Loan Company 1236 N Mechanic St, El Campo, TX 77437 +1 (979) 635 - 4051
Happy State Bank 711 N Main St, Shamrock, TX 79079 +1 (806) 256 - 2265
Barri Agent 507 S Main St, Ferris, TX 75125 +1 (972) 878 - 5000
Advance America 2306 TX-36 S, Sealy, TX 77474 +1 (979) 627 - 7583
TitleMax Title Loans 1925 Garth Rd, Baytown, TX 77520 +1 (281) 691 - 6672
City National Bank 210 S Main St, Winnsboro, TX 75494 +1 (903) 342 - 3791

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rocksprings, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rowlett, TX, Payday Loans in San Angelo, TX, Payday Loan Without a Credit Check in San Antonio, TX, Bad Credit Loans in San Juan, TX, Payday Loans in San Marcos, TX, Payday Loan for Schertz, TX, Same Day Loans in Sherman, TX and Payday Loans in Socorro, 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 Rocksprings, TX.

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

78880

Are Payday Loans Legal In Rocksprings, 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

Rocksprings, TX payday loan calculator

Payday Loans in Rocksprings, Texas: The Basics

At some point, everyone faces a financial emergency. Unexpected expenses can arise, from medical bills to car repairs, and sometimes you may not have the funds readily available. That’s where payday loans come in handy. Payday loans allow you to borrow a small amount of money that you can pay back with your next paycheck. In Texas, payday loans are legal. In this article, we’ll explore the basics of payday loans in Rocksprings, Texas.

What are payday loans?

Payday loans are a type of short-term loan that usually range from $100 to $1000. These loans typically have high interest rates and must be paid back within two weeks to a month, depending on the terms of the loan. Unlike traditional loans that require a credit check, payday loans don’t require a credit check. Instead, lenders require a post-dated check or access to your bank account to withdraw the loan amount plus interest on the due date.

Are payday loans legal in Rocksprings, Texas?

Yes, payday loans are legal in Texas. However, the state has put in place specific regulations to protect borrowers from predatory lending practices. These regulations include:

  • Maximum loan amount: The maximum payday loan amount in Texas is $1000 or 25% of the borrower’s gross monthly income, whichever is less.
  • Loan term: The maximum loan term is 180 days for installment loans and 31 days for payday loans.
  • Finance charges: Texas payday loan lenders can charge up to 10% of the loan amount as a finance charge.
  • Credit access business (CAB): Payday loan lenders in Texas must be licensed as a CAB, which acts as a third-party intermediary between the lender and the borrower.
  • Repayment plan: If a borrower defaults on a payday loan in Texas, the lender must offer a repayment plan, allowing the borrower to repay the loan in installments over time.

How do I apply for a payday loan in Rocksprings, Texas?

Applying for a payday loan in Rocksprings, Texas is a simple process. You must meet the following requirements:

  • Be at least 18 years old
  • Have a valid ID
  • Have a steady source of income
  • Have an active checking account

Once you meet these requirements, you can apply for a payday loan either online or in-person at a local lender. The application process typically takes only a few minutes, and you could receive the funds on the same day or the next business day.

Interesting Facts and Statistics about Payday Loans in Rocksprings, Texas

Did you know that the average payday loan borrower in Texas takes out eight loans per year? That’s a significant number that shows how many people rely on payday loans to make ends meet. Additionally, a 2016 report from the Center for Public Policy Priorities showed that Texas payday loans have an average APR of 574%, which is much higher than the national average. These statistics highlight the importance of understanding the terms of the loan and having a plan to repay it on time.

Apply Now!

If you find yourself in need of a payday loan in Rocksprings, Texas, TheGuaranteedLoans can help. We are a connector service that connects borrowers with potential lenders. Apply now and get connected with a lender that can help you get the funds you need.

Note that TheGuaranteedLoans does not lend money. We only facilitate a connection between you and potential lenders. Make sure to read the loan agreement carefully before signing to ensure that you understand the terms and conditions of the loan.

Conclusion

Payday loans can be a useful tool when you’re facing a financial emergency. However, it’s essential to understand the regulations in Texas and the terms of the loan before deciding to take one out. Remember to only borrow what you can afford to repay and have a plan to pay it back on time. If you’re considering a payday loan in Rocksprings, Texas, apply now with TheGuaranteedLoans and get connected with a lender that can help.

F.A.Q.

Are payday loans in Rocksprings, Texas regulated by the state government?

Yes, payday loans in Rocksprings, Texas are regulated by the state government. This includes restrictions on the maximum amount you can borrow, the maximum loan term, and the fees and charges that lenders are allowed to charge.

Is it possible to get a payday loan in Rocksprings, Texas with bad credit?

Yes, it is possible to get a payday loan in Rocksprings, Texas with bad credit. Most payday lenders do not require a credit check, so your credit score will not affect your eligibility for a loan. However, you may still be required to provide proof of income and other information to qualify for a payday loan.