Payday Loans in Ross, Texas

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

Company nameAddressZip codePhone number
Giles Trade Lot, LTD 3151 US-84 67, Brownwood, TX 76801 +1 (325) 643 - 2297
TitleMax Title Loans 2710 Palmer Hwy, Texas City, TX 77590 +1 (409) 941 - 0413
Approved Money Center 747 TX-71, Bastrop, TX 78602 +1 (512) 308 - 9675
Covington Credit 113 W 1st St, El Campo, TX 77437 +1 (979) 543 - 3150
Loanstar Title Loans 1600 W University Dr, McKinney, TX 75069 +1 (972) 548 - 8282
First National Bank-Livingston 2121 U.S. Hwy 190, Livingston, TX 77351 +1 (936) 327 - 1234
Reliable Finance Co 108 Plantation Dr, Lake Jackson, TX 77566 +1 (979) 299 - 3055
Cash Store 2726 E Hwy 190 Ste 132, Copperas Cove, TX 76522 +1 (254) 542 - 1400
Cliff's Check Cashing 36 2639 S Lancaster Rd, Dallas, TX 75216 +1 (469) 757 - 5160
Western Finance 2625 S Bypass 35 Suite 185, Alvin, TX 77511 +1 (281) 824 - 8122

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ross, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New Braunfels, TX, Payday Loan Companies in North Richland Hills, TX, Payday Loans in Odessa, TX, Short-term Loans in Pasadena, TX, Emergency Loan in Pearland, TX, Quick Loan in Pflugerville, TX, Payday Loans in Pharr, TX and Short-term Loans in Plano, 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 Ross, TX.

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

76684

Are Payday Loans Legal In Ross, 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

Ross, TX payday loan calculator

Understanding Payday Loans in Ross, Texas

Payday loans have become increasingly popular in the United States, with many people using them to cover unexpected expenses or emergencies. However, it is important to understand the terms and conditions of payday loans before applying for them. This article will provide you with everything you need to know about payday loans in Ross, Texas.

What are Payday Loans?

Payday loans, also known as cash advances, are small, short-term loans that are typically due on your next payday. These loans are designed to help you cover unexpected expenses or emergencies, such as car repairs, medical bills, or overdue bills.

Payday loans are legal in Texas, but they are subject to certain regulations and restrictions. For example, the maximum loan amount is $1,000, and the maximum term is 180 days. The interest rate for payday loans in Texas is capped at 10%, and lenders are required to disclose all fees and charges upfront.

The Application Process

To apply for a payday loan in Ross, Texas, you must be at least 18 years old and have a valid government-issued ID, proof of income, and an active checking account. You can apply for a payday loan online or in person at a lending institution.

If you apply for a payday loan, you will need to provide proof of income, such as a pay stub or bank statement, to show that you will be able to repay the loan. You will also need to provide information about your checking account, such as your account number and routing number, so that the lender can deposit and withdraw funds.

The Costs of Payday Loans

Payday loans can be expensive, especially if you are unable to repay the loan on time. In addition to the interest rate, lenders may charge fees for late payments, bounced checks, or loan renewals.

It is important to read the terms and conditions of your payday loan carefully and to understand all of the fees and charges associated with it. If you are unable to repay the loan, you may be subject to additional fees and penalties, and your credit score may be negatively affected.

Alternatives to Payday Loans

If you are considering a payday loan but are concerned about the costs and risks, there are several alternatives you may want to consider:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Installment loans
  • Online peer-to-peer lending platforms
  • Borrowing from friends or family

Before you apply for a payday loan, it is important to explore all of your options and choose the one that is right for you.

Interesting Facts and Statistics

– As of 2020, Texas has the second-highest number of payday loan stores in the United States, with over 3,000.

– The average payday loan in Texas is $470, and the average borrower takes out eight loans per year.

– Payday loans in Texas are more expensive than in other states, with an average APR of 538%.

Apply Now

If you need a payday loan in Ross, Texas, TheGuaranteedLoans can help. We connect borrowers with potential lenders and facilitate the loan application process. To apply for a payday loan, simply fill out our online application form and we will contact you with potential lenders.

Remember, payday loans should be used as a last resort and only when you are confident that you can repay the loan on time. If you are struggling with debt or financial hardship, there are resources available to help you. The National Foundation for Credit Counseling provides free and confidential credit counseling and debt management services.

The Bottom Line

Payday loans can provide quick and easy access to cash when you need it most. However, they can also be expensive and risky, especially if you are unable to repay the loan on time. Before you apply for a payday loan in Ross, Texas, it is important to understand the terms and conditions and to explore all of your alternatives. TheGuaranteedLoans can help you find the right loan for your needs and circumstances.

F.A.Q.

Are there any restrictions on how payday loans can be used in Ross, Texas?

Yes, payday loans in Ross, Texas can only be used for short-term financial needs and cannot be used to pay off existing loans or credit card debt.

Can I renew or extend my payday loan in Ross, Texas?

Yes, you may be able to renew or extend your payday loan in Ross, Texas if you are unable to make the full repayment on the due date. However, this may result in additional fees and interest charges, and should be avoided if possible.