Payday Loans in Smiley, Texas

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

Company nameAddressZip codePhone number
Covington Credit 3413 Broadway Blvd 101B, Garland, TX 75043 +1 (214) 703 - 6738
Security Finance 126 Pinewood Dr, Silsbee, TX 77656 +1 (409) 385 - 5251
Herring Bank 2317 S Belt Line Rd, Grand Prairie, TX 75051 +1 (214) 382 - 9140
Cash America Pawn 6628 Watauga Rd, Watauga, TX 76148 +1 (817) 428 - 7296
Wells Fargo Bank 307 N Esplanade St, Cuero, TX 77954 +1 (361) 275 - 5714
Depot Loans 621 US-87, Dalhart, TX 79022
IBC Bank 1007 N I Rd, Pharr, TX 78577 +1 (956) 688 - 3655
Excel Finance 8312 Burnet Rd 112, Austin, TX 78757 +1 (512) 459 - 1743
Texas Car Title & Payday Loan Services, Inc. 1225 E Broadway Ave, Sweetwater, TX 79556
Pioneer Bank 802 S Robb St, Trinity, TX 75862 +1 (936) 594 - 7575

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smiley, 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 Rowlett, TX, Quick Loan in San Angelo, TX, Payday Loans in San Antonio, TX, Payday Loans in San Juan, TX, Payday Loans in San Marcos, TX, Payday Loans in Schertz, TX, Payday Loans in Sherman, TX and Emergency Loan 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 Smiley, TX.

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

78159

Are Payday Loans Legal In Smiley, 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

Smiley, TX payday loan calculator

Payday Loans in Smiley, Texas: Everything You Need to Know

When unexpected expenses pop up, and you’re short on cash, payday loans can be a lifesaver. These loans provide quick, short-term cash advances for people who are short on money and need to cover bills or emergencies. And when it comes to payday loans in Smiley, Texas, residents have plenty of options.

How Do Payday Loans Work?

Payday loans are a type of short-term loan that’s typically meant to be repaid on your next payday. So when you take out a payday loan, you’re essentially borrowing against your future paycheck. These loans usually have higher interest rates and fees than traditional loans, so it’s essential to understand the terms and conditions before you apply.

In Texas, payday loans are legal, with some regulations in place to protect borrowers. You can borrow up to $1,000 or 25% of your monthly gross income, whichever is less. The maximum loan term is 180 days, and lenders cannot charge more than 10% interest on the loan. Additionally, lenders must be licensed by the state and comply with state regulations.

Requirements for Getting a Payday Loan in Smiley, Texas

Each lender may have its specific requirements, but generally, to qualify for a payday loan in Smiley, Texas, you’ll need:

  • A government-issued ID
  • Proof of income, such as a pay stub
  • Active checking account

Lenders may also consider credit history, but it’s not usually the deciding factor. Most payday lenders focus on your ability to repay the loan on your next payday.

Benefits of Payday Loans in Smiley, Texas

Payday loans offer several benefits to residents of Smiley, Texas. Here are some of the most notable ones:

  • Quick access to cash when you need it most
  • Simplified application process compared to traditional loans
  • No credit check required
  • Flexible loan terms
  • Regulated and licensed lenders ensure the protection of borrowers

Interesting Facts and Statistics about Payday Loans in Smiley, Texas

  • In 2019, Texans took out over 10 million payday loans, totaling more than $7 billion in loan volume.
  • Many payday lenders in Texas are located in low-income neighborhoods, which can contribute to predatory lending practices.
  • A typical borrower in Texas takes out eight payday loans per year, with an average loan amount of $470.
  • One-fourth of payday loan borrowers in Texas are seniors over the age of 55.

Apply Now for a Payday Loan in Smiley, Texas

If you need a payday loan in Smiley, Texas, TheGuaranteedLoans can help connect you with potential lenders. Remember that we are a connector service, not a direct lender, and cannot guarantee loan approval. However, we work with a network of trusted lenders who will review your application and make decisions based on your qualifications. To get started, fill out our simple online application form today!

F.A.Q.

How do I compare payday loan options in Smiley, Texas?

When comparing payday loan options in Smiley, Texas, it is important to consider factors such as the interest rate, fees, repayment terms, and overall cost of the loan. It is also important to research the lender and read reviews from other customers before making a decision.

Can I file a complaint about a payday lender in Smiley, Texas?

Yes, if you have a complaint about a payday lender in Smiley, Texas, you can file a complaint with the Texas Office of Consumer Credit Commissioner. This office is responsible for regulating payday lenders and enforcing consumer protection laws.