Payday Loans in Santa Maria, Texas

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

Company nameAddressZip codePhone number
Security Finance 708 North Broadway, Plainview, TX 79072 +1 (806) 293 - 8381
Consolidated Auto Solutions.com 211 Main St 201, Lake Dallas, TX 75065
Check n Go 291 E Round Grove Rd 180, Lewisville, TX 75067 +1 (972) 459 - 3016
ACE Cash Express 1500 N Central Expy, Plano, TX 75074 +1 (972) 423 - 7889
Gold Star Finance Inc 1115 N 5th St #102, Silsbee, TX 77656
Lendmark Financial Services LLC 2818 S Soncy Rd, Amarillo, TX 79124 +1 (806) 356 - 7674
UnitedHealth Group Credit Union 1311 W President George Bush Hwy, Richardson, TX 75080 +1 (800) 388 - 7000
Amegy Bank 811 S Dill St, East Bernard, TX 77435 +1 (281) 238 - 7171
Texas Car Title & Payday Loan Services, Inc. 11980 Socorro Rd C, San Elizario, TX 79849
Spirit of Texas Bank 14003 S Farm-To-Market Rd 4, Santo, TX 76472 +1 (940) 769 - 3611

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Santa Maria, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Wichita Falls, TX, Payday Loan Companies in Wylie, TX, Short-term Loans in Abilene, TX, Payday Loans in Allen, TX, Payday Loans in Amarillo, TX, Payday Loan Without a Credit Check in Arlington, TX, Payday Loans in Austin, TX and Payday Loans in Baytown, 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 Santa Maria, TX.

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

78592

Are Payday Loans Legal In Santa Maria, 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

Santa Maria, TX payday loan calculator

What You Need to Know About Payday Loans in Santa Maria, Texas

If you live in Santa Maria, Texas, and you need money fast, a payday loan may seem like a good option. Before you decide, it’s important to understand how these loans work and their risks and benefits. This article will explain everything you need to know about payday loans in Santa Maria, Texas.

What is a payday loan?

A payday loan is a short-term loan that is usually due on your next payday. They are designed to provide cash quickly to people who need it. To apply for a payday loan in Santa Maria, Texas, you need to be at least 18 years old, have a steady source of income, and have a valid ID and checking account.

How do payday loans work?

To get a payday loan, you will need to fill out an application online or in person at a payday loan store. You will need to provide personal and financial information, as well as proof of income and a checking account. If you are approved, you will receive the loan amount, minus fees, which can be up to 10% of the loan amount.

On your next payday, the lender will automatically withdraw the loan amount plus fees from your checking account. If you are unable to repay the loan on your next payday, you can request an extension or rollover, but this will usually result in additional fees and interest.

What are the benefits of payday loans?

The main benefit of payday loans is that they can provide cash quickly, often within 24 hours. This can be helpful if you have an unexpected expense, such as a car repair or medical bill. Payday loans also don’t require a credit check, so people with bad credit can still qualify.

What are the risks of payday loans?

The biggest risk of payday loans is their high interest rates and fees. In Texas, the maximum loan amount is $1,800, and lenders can charge up to 10% of the loan amount in fees. This may not seem like a lot, but it can add up quickly. For example, if you take out a $500 loan with a $50 fee and roll it over three times, you will end up paying $650 in fees, in addition to the original loan amount.

Another risk of payday loans is that they can trap you in a cycle of debt. If you can’t repay the loan on your next payday, you may be tempted to roll it over or take out another loan to pay off the first one. This can lead to a cycle of debt that can be difficult to break.

Interesting Facts and Statistics About Payday Loans in Santa Maria, Texas

  • In Texas, payday loans are legal and regulated under the Texas Finance Code.
  • As of 2021, there were over 2,000 payday loan locations in Texas.
  • The average payday loan amount in Texas is $470.
  • In Texas, lenders can charge up to 573% APR for a payday loan.
  • In 2020, the number of payday loan complaints filed with the Texas Office of Consumer Credit Commissioner was 2,905.

Apply Now for a Payday Loan in Santa Maria, Texas

If you need a payday loan in Santa Maria, Texas, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application form and get an instant decision. Please note that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. We are a connector service that can connect you with potential lenders who may be able to offer you a loan that meets your needs.

Remember to borrow responsibly and only take out a payday loan if you can afford to repay it on your next payday. Payday loans should be used as a last resort, and you should explore other options, such as borrowing from family or friends, before applying.

F.A.Q.

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

To apply for a payday loan in Santa Maria, Texas, you will need to provide proof of income and identification, as well as a valid checking or savings account. You can apply online or in person at a payday loan store.

What are the repayment terms for payday loans in Santa Maria, Texas?

Repayment terms for payday loans in Santa Maria, Texas vary by lender, but most require repayment within 14 days. Some lenders may offer extended repayment plans, but this may result in additional fees and interest charges.